Car Insurance in Houma, Louisiana
Estimated full coverage in Houma runs about $2,345 a year ($196/month) — ▲ +7% versus the Louisiana average, ranking 4th most expensive of the 9 Louisiana cities we cover.
Why car insurance in Houma costs more than the Louisiana average
Insurers price by territory, and Houma's numbers explain most of the gap. With 31,671 residents on 14.5 square miles, the city's density (2,189 people per square mile) is 9.0 times the density where the typical Louisiana resident lives (243). The average commute is 19.7 minutes (Louisiana: 25.7), and 80% of workers drive alone. Together these put our location factor at 1.07× the state baseline for liability and collision, and 1.05× for comprehensive once FEMA weather risk for Terrebonne Parish is included.
| Factor | Houma | Louisiana ref. | Why it matters |
|---|---|---|---|
| Population density | 2,189 / sq mi | 243 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 19.7 min | 25.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 5.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 80.3% | — | Share of workers commuting by car. |
| Public transit to work | 0.4% | — | Transit use lowers how much residents drive. |
| Work from home | 3.7% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 7.9% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 78.7 | 84.4 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Houma
Rates can change from one ZIP code to the next. Across 2 Houma ZIP codes, our full-coverage estimate ranges from $2,190 in 70363 to $2,210 in 70360. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 70360 | 28,574 | 475 | 21.8 min | 6.6% | $2,210 | −6% |
| 70363 | 24,127 | 308 | 23.3 min | 9.6% | $2,190 | −7% |
Minimum car insurance in Houma
Houma drivers follow Louisiana's rules: at least 15/30/25 liability coverage. Louisiana is at-fault (tort). We estimate state-minimum coverage in Houma at $845 a year, and $1,360 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $15,000 per person / $30,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Louisiana does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is included unless the insured rejects it, selects lower limits or chooses economic-only coverage on the state-prescribed form. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of Louisiana's uninsured/underinsured motorist coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Under the "No Pay, No Play" law, uninsured drivers cannot collect the first $15,000 of injury damages or the first $25,000 of property damage, regardless of fault.
Risk factors that shape Houma premiums
Accidents
Louisiana recorded 752 traffic deaths, or 1.36 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Louisiana's vehicle theft rate is 182 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Terrebonne Parish as relatively low for hail, relatively moderate for inland flooding and relatively low for strong wind, and very high for hurricanes.
Traffic & commuting
5.8% of Houma commuters spend an hour or more getting to work, and there are 1.64 vehicles per household. 3.7% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 69.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 92.9 | Comprehensive; dwelling | |
| Hurricane | 98.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 81.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 94.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 35.0 | Comprehensive; dwelling | |
| Winter weather | 56.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Houma by driver profile
A clean-record driver in their 50s pays the least in our Houma model (about $2,160 for full coverage); an 18-year-old on their own policy pays about $6,450, and a DUI pushes a 30-something to $4,340.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,325 | $3,745 | $6,450 | $538 |
| Young adult (22) | $1,350 | $2,180 | $3,755 | $313 |
| Adult in their 30s | $845 | $1,360 | $2,345 | $195 |
| Adult in their 50s | $775 | $1,250 | $2,160 | $180 |
| Senior (72) | $945 | $1,525 | $2,630 | $219 |
| 30s, one at-fault accident | $1,225 | $1,975 | $3,400 | $283 |
| 30s, DUI on record | $1,565 | $2,520 | $4,340 | $362 |
Minimum vs. standard vs. full coverage in Houma
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $845 | $70 | $695–$995 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,360 | $113 | $1,115–$1,605 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,345 | $196 | $1,925–$2,770 |
Estimate your premium in Houma
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Cheap car insurance in Houma: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Houma's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $135 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $165 | You're among the 3.7% of Houma workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $545 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $985 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $515 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Houma
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 5 offices listed below.
- Check complaint records with the Louisiana Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Houma, our estimates differ by up to $20 a year between neighborhoods.
Car insurance agents near Houma, LA
We found 5 insurance offices within about 3 miles of central Houma, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Nicholas Hebert - Allstate
854 Grand Caillou Rd, Houma, LA 70363 -
Janet Henry - State Farm
457 Grand Caillou Road, Houma, LA 70363 -
Freeway Insurance
1246 Grand Caillou Rd, Houma, LA 70363 -
James Langlois - Allstate
1512 Polk St, Ste B, Houma, LA 70360 -
Brian Mustin - Allstate
5328 Highway 311, Houma, LA 70360
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Houma
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,775 | −24% |
| Subaru Outback | Wagon | $1,755 | −25% |
| Tesla Model 3 | Midsize car | $2,440 | +4% |
| Subaru Forester | Small SUV | $1,715 | −27% |
| Honda Civic | Compact car | $2,685 | +14% |
| Toyota Corolla | Compact car | $2,520 | +7% |
| Jeep Wrangler | Midsize SUV | $2,020 | −14% |
| Mazda CX-5 | Small SUV | $1,990 | −15% |
| MINI Cooper | Subcompact car | $1,785 | −24% |
| Tesla Model Y | Midsize SUV | $2,195 | −6% |
Car insurance in nearby Louisiana cities
- Kenner $2,575/yr · 40 mi
- New Orleans $2,410/yr · 47 mi
- Baton Rouge $2,405/yr · 65 mi
- Lafayette $2,345/yr · 90 mi
- Lake Charles $2,265/yr · 156 mi
- Monroe $2,280/yr · 219 mi
- Shreveport $2,300/yr · 270 mi
- Bossier City $2,260/yr · 271 mi
All Louisiana cities and state rules · Homeowners insurance in Houma
Frequently asked questions
How much is car insurance in Houma, LA?
We estimate full coverage in Houma at about $2,345 a year ($196 a month) for a driver in their 30s with a clean record, and about $845 for Louisiana's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Houma more expensive than the Louisiana average?
Our Houma estimate is 7% higher than the statewide figure. The model reflects a population density of 2,189 people per square mile (the typical Louisiana resident lives at about 243) and an average commute of 19.7 minutes versus 25.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Houma?
Drivers in Houma follow Louisiana law: at least 15/30/25 liability coverage.
Which ZIP code in Houma has the cheapest car insurance?
Among Houma's 2 ZIP codes, 70363 has the lowest estimate (about $2,190 a year for full coverage) and 70360 the highest (about $2,210), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Houma?
An 18-year-old with their own full-coverage policy would pay around $6,450 a year in Houma by our estimate ($2,325 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Houma?
Yes. FEMA's National Risk Index rates Terrebonne Parish for hurricane (very high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Houma?
We list 5 insurance offices in and around Houma, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Louisiana Department of Insurance: Consumer's Guide to Auto Insurance
- La. R.S. 22:1295 (uninsured motorist coverage)
- Louisiana OMV: Suspensions (SR-22)
- Louisiana Department of Insurance: Consumer Complaint Form
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Houma and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places