Find Car Insurance in Houma, LA

What You Should Know About Car Insurance in Houma, Louisiana

Tucked down in bayou country, Houma feels like a world of its own—quiet, scenic, and full of character. It’s the kind of place where neighbors wave, seafood is a staple, and weekends might include a swamp tour or a visit to a local festival. The culture here runs deep, with Cajun and Creole traditions shaping everything from the music to the food. Life moves a little slower, but that’s part of the charm.

Driving around Houma is generally relaxed, but like most of Louisiana, you’re dealing with unpredictable weather, narrow backroads, and a higher-than-average number of uninsured drivers. That’s why car insurance really matters here—not just to meet state requirements, but to make sure you’re covered when the unexpected hits. Whether it’s a sudden downpour or a fender bender, the right policy can make a big difference.

If you call Houma home, it is vital that you have the best auto insurance that protects your vehicle and your loved ones.

How Much Does Car Insurance Cost in Houma, Louisiana?

Drivers in Houma can expect to pay around $698 a year for liability and about $2,556 for full coverage—which is more affordable than the Louisiana state car insurance averages of $1,020 for minimum coverage and $3,294 for full coverage.

That price break is likely due to Houma being a smaller town, with a population of around 31,700. Less traffic and fewer claims compared to bigger cities like New Orleans can make a real difference in what you pay for insurance. Still, it’s smart to carry solid coverage, especially in a state like Louisiana where severe weather and uninsured drivers are common.

At InsureOne, our expert agents offer multiple quotes for liability insurance policies that meet your needs and fit your budget.

Why Is Car Insurance So Expensive in Louisiana?

Although Houma is reasonably priced in comparison to the rest of the state, Louisiana as a whole is considered one of the most expensive places for car insurance. A big reason is the high number of uninsured drivers—if you get into an accident, there’s a good chance the other driver won’t be covered, which drives up costs for everyone else.

On top of that, the state sees frequent hurricanes and flooding, leading to more claims and more risk for insurers. Louisiana also has a legal system known for high settlement payouts, especially in accident cases, so insurance companies factor that into their rates. Even with towns like Houma helping balance things out, the overall risk across the state keeps premiums higher than average.

Affordable Car Insurance Rates Comparison by City in Louisiana

Not all Louisiana drivers pay the same. Look below to see a quick comparison of average monthly premiums in cities across the state.

City	Full Coverage Insurance	Liability Insurance Coverage
Houma	$213	$58
Baton Rouge	$273	$76
Lafayette	$243	$71
New Orleans	$327	$85
Lake Charles	$241	$67

How Bundling Your Car and Homeowners Insurance Can Save You Money in Houma

Whether you’re looking to cover your home on Bayou Gardens Boulevard or get coverage for your car, bundling both your homeowners insurance and car with the same provider can lead to real savings.

Not only can you simplify your coverage and billing, but you could also save up to 25% on your total premiums. In a smaller town like Houma, where rates are already more manageable than many parts of Louisiana, bundling your policies helps you stretch those savings even further—without cutting corners on coverage.

You can also bundle other types of insurance, including:

• Renters insurance
• Motorcycle insurance
• Boat or RV insurance
• Flood insurance
• Umbrella policies for extra liability protection

Bundling isn’t just convenient—it’s one of the easiest ways to save.

What Types of Car Insurance Discounts Are Available in Houma?

Living in Houma comes with perks—and that includes potential savings on your car insurance. In addition to bundling your home and auto policies, InsureOne offers several other discounts that can help lower your monthly premium. If you drive less than average, you might qualify for a low mileage discount.

Safe drivers with a clean record can save even more, and veterans are eligible for additional savings as well. Choosing paperless billing or having an anti-theft device installed in your vehicle are other easy ways to cut costs without changing your coverage.

Notable Car Insurance Laws in Houma

Driving in Louisiana—and anywhere, for that matter—means it’s smart to brush up on the local laws, especially when it comes to insurance. One to know is the “No Pay, No Play” law: if you’re uninsured and get into an accident, you could be barred from collecting the first $15,000 in injury damages and $25,000 in property damage, even if the other driver was at fault.

You’re also required to carry proof of insurance at all times. Digital proof is accepted, but not having it during a traffic stop could lead to fines or even a suspended registration. And thanks to Louisiana’s direct action law, you can sometimes sue the other driver’s insurer directly—something most states don’t allow. Knowing these rules can help you avoid costly surprises on the road.

What Are the Mandatory Car Insurance Requirements in Houma?

To drive legally in Louisiana, you need a minimum of 15/30/25 in liability coverage—$15,000 for bodily injury per person, $30,000 per accident, and $25,000 for property damage.

• $15,000 for bodily injury liability per person
• $30,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

What Is the Penalty for Driving Without Insurance in Houma?

Driving without insurance in Houma can hit your wallet hard. Fines typically range from $500 to $1,000, and you could also face suspension of your registration and license plates. In some cases, your vehicle might even get impounded, leaving you responsible for towing and storage fees.

If your coverage lapses, there are additional penalties too—$125 if it’s been 2–30 days, $275 for 31–90 days, and $525 if it’s been longer than 90 days. Bottom line: staying insured isn’t just the law—it’s the smarter (and more affordable) choice.

What Factors Go into My Car Insurance Cost in Houma?

Several things can impact how much you pay for car insurance in Houma. Your driving record is a big one—tickets or accidents can raise your rates, while a clean record can lower them. Where you live in Houma also matters; areas with higher theft or accident rates may come with slightly higher premiums.

Other key factors include your age, vehicle type, credit score, and even how many miles you drive each year. Insurers also look at whether you park in a garage or on the street, and if your car has safety or anti-theft features. All these details help determine your risk level—and ultimately, your monthly rate.

Typical Driving Conditions in Houma

Driving around Houma is usually pretty relaxed, especially compared to the traffic in larger cities like Baton Rouge or New Orleans. Major roads like Highway 311, Tunnel Boulevard, and West Park Avenue are commonly used for commuting and running errands. Traffic can get a bit heavier around Southland Mall or during school drop-off and pickup times, but for the most part, getting around is straightforward.

That said, Houma is low-lying and near the coast, so flooding during heavy rains or hurricane season is a real concern—especially in areas near the bayous or along Grand Caillou Road. Potholes and construction are also common, especially after storms. Most locals drive their own vehicles, and with limited public transportation, having reliable coverage is just part of life here.

How Many Car Accidents Happen in Houma Per Year?

There were an estimated 2,895 vehicle accidents in Terrebonne Parish (home to Houma) in 2024. Here is a comparison of annual Houma fatal accidents to other cities in Louisiana:

City	Annual Average Number of Fatal Car Crashes
Houma	15
Baton Rouge	63
Caddo	38
Shreveport	38
Lake Charles	29

How Many Uninsured/Underinsured Motorists Are in Houma?

About 1 in 8 drivers in Louisiana doesn’t have insurance—a major concern for anyone on the road. Back in 2019, the state ranked 26th in the nation for the number of uninsured or underinsured motorists. That means if you’re in an accident, there’s a real chance the other driver won’t be able to pay.

That’s why UM/UIM coverage is so important—it helps cover your costs when the other person can’t. With so many drivers lacking proper coverage, having the right protection can save you from a financial nightmare.