Hammond, LA Auto Insurance (2024)
The average Hammond, LA auto insurance rates are $490 per month. The minimum auto insurance in Hammond is at least 15/30/25 in coverage to comply with Louisiana auto insurance laws. To find the best cheap auto insurance in Hammond, Louisiana, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Hammond for teen drivers is Progressive
- The cheapest auto insurance company in Hammond is USAA
- Average auto insurance rates in Hammond, LA for senior drivers are $3,671 per year
Hammond, Louisiana auto insurance requirements are 15/30/25 according to Louisiana auto insurance laws. Finding cheap auto insurance in Hammond can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hammond, Louisiana, including driving record, credit, commute time, and more.
Compare auto insurance in Hammond to other Louisiana cities, including Houma auto insurance rates, Shreveport auto insurance rates, and Kenner auto insurance rates to see how Hammond, Louisiana auto insurance rates stack up.
Before you buy Hammond, Louisiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hammond, Louisiana auto insurance quotes.
Minimum Auto Insurance in Hammond, Louisiana
Hammond, Louisiana auto insurance laws require that you have at least the Louisiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hammond, Louisiana.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Hammond, Louisiana Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Hammond, Louisiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,661 | $4,661 | $4,808 | $4,808 | $10,101 | $12,727 | $5,141 | $5,565 |
| Geico | $3,303 | $3,801 | $3,950 | $4,815 | $12,191 | $12,846 | $3,180 | $3,082 |
| Progressive | $4,308 | $4,027 | $3,606 | $3,896 | $16,815 | $18,692 | $4,906 | $4,970 |
| State Farm | $3,001 | $3,001 | $2,762 | $2,762 | $8,896 | $11,155 | $3,347 | $3,753 |
| USAA | $2,731 | $2,685 | $2,666 | $2,642 | $8,227 | $9,642 | $3,352 | $3,669 |
Cheap Hammond, Louisiana Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Hammond, Louisiana is a challenge. Take a look at the annual teen auto insurance rates in Hammond, Louisiana.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,101 | $12,727 |
| Geico | $12,191 | $12,846 |
| Progressive | $16,815 | $18,692 |
| State Farm | $8,896 | $11,155 |
| USAA | $8,227 | $9,642 |
Cheap Hammond, Louisiana Auto Insurance for Seniors
What are senior auto insurance rates in Hammond, Louisiana? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,808 | $4,808 |
| Geico | $3,950 | $4,815 |
| Progressive | $3,606 | $3,896 |
| State Farm | $2,762 | $2,762 |
| USAA | $2,666 | $2,642 |
Cheap Hammond, Louisiana Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hammond, Louisiana compared to the annual auto insurance rates with a clean record in Hammond, Louisiana.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,218 | $7,880 | $7,035 | $6,102 |
| Geico | $4,015 | $6,470 | $7,941 | $5,158 |
| Progressive | $6,381 | $8,535 | $8,229 | $7,465 |
| State Farm | $4,430 | $5,240 | $4,835 | $4,835 |
| USAA | $3,394 | $4,718 | $5,641 | $4,053 |
Cheap Hammond, Louisiana Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Hammond, Louisiana is not easy. Compare the annual rates for DUI auto insurance in Hammond, Louisiana to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,035 |
| Geico | $7,941 |
| Progressive | $8,229 |
| State Farm | $4,835 |
| USAA | $5,641 |
Cheap Hammond, Louisiana Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Hammond, Louisiana annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,580 | $5,923 | $5,173 |
| Geico | $7,013 | $6,086 | $4,588 |
| Progressive | $8,665 | $7,409 | $6,884 |
| State Farm | $6,699 | $4,316 | $3,489 |
| USAA | $6,144 | $3,929 | $3,282 |
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Cheap Hammond, Louisiana Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Hammond, Louisiana can vary. Compare the annual cost of auto insurance by ZIP code in Hammond, Louisiana to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 70401 | $5,434 |
| 70402 | $5,442 |
| 70403 | $5,612 |
Cheap Hammond, Louisiana Auto Insurance Rates By Commute
Commute length and annual mileage affect Hammond, Louisiana auto insurance. Find the cheapest annual Hammond, Louisiana auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,559 | $6,559 |
| Geico | $5,779 | $6,013 |
| Progressive | $7,653 | $7,653 |
| State Farm | $4,711 | $4,959 |
| USAA | $4,314 | $4,590 |
Cheap Hammond, Louisiana Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Hammond, Louisiana? Check out the comparison of annual Hammond, Louisiana auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,679 | $6,675 | $7,322 |
| Geico | $4,854 | $5,916 | $6,918 |
| Progressive | $6,281 | $7,583 | $9,093 |
| State Farm | $4,168 | $4,823 | $5,513 |
| USAA | $3,856 | $4,521 | $4,978 |
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Best By Category: Cheapest Auto Insurance in Hammond, Louisiana
Compare the cheapest auto insurance companies in Hammond, Louisiana in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Hammond, Louisiana Auto Insurance Companies
What auto insurance companies in Hammond, Louisiana are the cheapest? Compare the top Hammond, Louisiana auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,559 |
| Geico | $5,896 |
| Progressive | $7,653 |
| State Farm | $4,835 |
| USAA | $4,452 |
What affects auto insurance rates in Hammond, Louisiana?
There are a lot of reasons why auto insurance rates in Hammond, Louisiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hammond, Louisiana. Many local factors may affect your Hammond auto insurance rates.
Hammond Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Hammond, Louisiana auto theft statistics, there have been 117 auto thefts in the city.
Hammond Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hammond, Louisiana commute length is 24.0 minutes according to City-Data.
Hammond Traffic
How does Hammond, Louisiana rank for traffic? According to Inrix Hammond, Louisiana is the 783rd most congested worldwide.
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Compare Hammond, Louisiana Auto Insurance Quotes
Before you buy Hammond, Louisiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hammond, Louisiana auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Hammond, Louisiana?
To comply with Louisiana auto insurance laws, the minimum auto insurance coverage required in Hammond, Louisiana is 15/30/25. This means you must have at least $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
How are auto insurance rates in Hammond, Louisiana affected by age, gender, and marital status?
Auto insurance rates in Hammond, Louisiana can be influenced by factors such as age, gender, and marital status. Younger drivers, especially teenagers, typically have higher insurance rates compared to older, more experienced drivers. Additionally, male drivers may have higher rates than female drivers, and unmarried individuals may face higher premiums compared to married individuals.
Is it possible to find cheap auto insurance for teen drivers in Hammond, Louisiana?
Finding cheap auto insurance for teen drivers in Hammond, Louisiana can be challenging due to their lack of driving experience. However, it’s important to compare quotes from multiple insurance companies to find the best rates. Teenagers can also consider taking defensive driving courses or being added to their parents’ policy to potentially lower their premiums.
What are the average auto insurance rates for seniors in Hammond, Louisiana?
The average auto insurance rates for seniors in Hammond, Louisiana can vary based on factors such as driving history, vehicle type, and coverage needs. Generally, seniors with a clean driving record and a lower risk profile may qualify for lower insurance rates compared to drivers with accidents or violations on their record.
How does credit history affect auto insurance rates in Hammond, Louisiana?
Credit history can have a significant impact on auto insurance rates in Hammond, Louisiana. Insurance companies often consider credit scores when determining premiums because they believe there is a correlation between creditworthiness and the likelihood of filing a claim. Individuals with good credit scores may be eligible for lower auto insurance rates, while those with poor credit may face higher premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.