Compare Hammond, LA Car Insurance Rates (2021)

Car insurance in Hammond, LA averages $490 a month. Hammond, Louisiana car insurance requirements are 15/30/25, but you might need full coverage insurance if your car is financed. To find cheap Hammond car insurance rates, compare quotes from the top car insurance companies in Hammond, LA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Hammond is 70401
  • Average car insurance rates in Hammond, LA are $5,879/year
  • The cheapest car insurance company in Hammond for teen drivers is USAA

If you need to buy Hammond, Louisiana car insurance, the options can be confusing. Everything you need to know about car insurance in Hammond, LA is right here.

You’ll find Hammond car insurance rates, the cheapest Hammond, LA car insurance companies, and information on Louisiana car insurance laws. You can also compare Hammond, Louisiana car insurance rates to Lafayette car insurance rates, New Orleans car insurance rates, and Baton Rouge car insurance rates.

Ready to find affordable Hammond, LA car insurance today? Enter your ZIP code for fast, free Hammond car insurance quotes.

Cheapest Hammond, LA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Hammond, LA car insurance rates? Every Hammond, Louisiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hammond, Louisiana

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

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Minimum Car Insurance in Hammond, LA

Every driver must carry the minimum car insurance in Hammond, LA. Take a look at the Louisiana car insurance requirements.

Minimum Required Car Insurance Coverage 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

Cheapest Hammond, LA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Hammond, LA. Compare credit history car insurance rates in Hammond from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Hammond, Louisiana

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

Cheapest Hammond, LA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Hammond, LA to rates for a clean record with top companies.

Annual Hammond, Louisiana Car Insurance Rates by Driving Record

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

Cheapest Hammond, LA Car Insurance for Teen Drivers

Teen car insurance in Hammond, LA can be expensive. Take a look at rates from the top car insurance companies in Hammond for teenagers.

Annual Car Insurance Rates for Teen Drivers 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

Cheapest Hammond, LA Car Insurance for Seniors

Take a look at Hammond, LA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Hammond, Louisiana

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

Cheapest Hammond, LA Car Insurance Rates After a DUI

A DUI in Hammond, LA increases car insurance rates. Compare Hammond, Louisiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Hammond, Louisiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,035
GEICO $7,941
Progressive $8,229
State Farm $4,835
USAA $5,641

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Cheapest Hammond, LA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Hammond, LA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Hammond, Louisiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Hammond, LA Car Insurance Rates by ZIP Code

Hammond car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Hammond, LA.

Annual Car Insurance Rates by ZIP Code in Hammond, Louisiana

ZIP Code Average Annual Rates
70401 $5,434
70402 $5,442
70403 $5,612

The Best Cheap Car Insurance Companies in Hammond, LA

Take a look at a side-by-side comparison of the top car insurance companies in Hammond, LA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Hammond, Louisiana

Insurance Company Average Annual Rates
Allstate $6,559
GEICO $5,896
Progressive $7,653
State Farm $4,835
USAA $4,452

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Category Winners: Cheapest Car Insurance in Hammond, Louisiana

Find the cheapest car insurance companies in Hammond, LA for each category right here.

Best Annual Car Insurance Rates by Company in Hammond, Louisiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Hammond, LA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Hammond car insurance rates. Find the cheapest Hammond, LA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Hammond, Louisiana

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

What affects car insurance rates in Hammond, Louisiana?

What factors can have an impact on Hammond, LA car insurance? There are several reasons why Hammond car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Hammond, Louisiana.

Car Theft in Hammond

High levels of vehicle theft can make car insurance more expensive. Hammond, LA car theft statistics from the FBI indicate 117 vehicle thefts a year.

Commute Time in Hammond

The more time you spend in your car the higher the risk of an accident. The average commute length in Hammond, LA is 24.0 minutes according to City-Data.

Traffic in Hammond

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Hammond, LA traffic data from INRIX ranks Hammond as the 783rd-most congested in the world.

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Compare Car Insurance Quotes in Hammond, LA

Ready to find affordable Hammond, Louisiana car insurance today? Enter your ZIP code for fast, free Hammond, LA car insurance quotes.

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