Auto Insurance Quotes in Houma LA - [Mom Prepared] (2025)

Auto insurance is a necessary expense for many families, especially those with multiple vehicles and drivers of various ages. In Houma, LA, the Smith family is no exception. John and Sarah Smith are a married couple raising three children, each at different driving ages. With four vehicles in their household, the Smiths understand the importance of having the right auto insurance coverage to protect their family and assets.

The Smith family owns a 2015 Honda Accord, a 2017 Ford Explorer, a 2010 Toyota Camry, and a 2019 GMC Sierra. Each vehicle serves a specific purpose for the family, from daily commuting to road trips and hauling equipment. Let’s take a closer look at the coverage and monthly payments for each vehicle:

1. 2015 Honda Accord: This is John’s primary vehicle for commuting to work. The Smiths have full coverage on the Accord, including liability, collision, and comprehensive coverage. The monthly premium for this vehicle is $150.

2. 2017 Ford Explorer: Sarah uses the Explorer to drive the kids to school and run errands. The Smiths have full coverage on the Explorer as well, with a monthly premium of $180.

3. 2010 Toyota Camry: This is the oldest vehicle in the Smith family’s fleet, but it’s still reliable for short trips around town. They have liability coverage on the Camry, with a monthly premium of $80.

4. 2019 GMC Sierra: John uses the Sierra for hauling equipment for his side business. The Smiths have full coverage on the Sierra, with a monthly premium of $200.

In addition to their vehicles and coverage, the Smith family has had their fair share of driving infractions over the years. Some of the infractions include speeding tickets, at-fault accidents, and a DUI. These infractions have resulted in increased auto insurance rates for the Smiths, with their premiums going up by an average of 20% for each infraction.

Speeding tickets are one of the most common driving infractions that can impact auto insurance rates. Depending on the severity of the speeding ticket and the driver’s history, rates can increase by as much as 15% to 30%. At-fault accidents are another common driving infraction that can raise auto insurance rates significantly. The Smiths experienced a 25% increase in their premiums after Sarah was involved in a minor fender bender.

A DUI is one of the most serious driving infractions that can have a major impact on auto insurance rates. John’s DUI resulted in a 50% increase in their premiums, as he was considered a high-risk driver. It’s important for drivers to be aware of the consequences of driving infractions and to drive responsibly to avoid costly rate hikes.

As residents of Houma, LA, the Smith family has some common questions about auto insurance in their specific locale. Here are 12 common questions along with the answers:

1. What type of auto insurance coverage is required in Houma, LA?

In Houma, LA, drivers are required to have liability insurance, which covers damages to other vehicles and property in the event of an accident.

2. What is the minimum liability coverage required in Houma, LA?

The minimum liability coverage required in Houma, LA is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $25,000 for property damage.

3. Are there any additional coverage options recommended for drivers in Houma, LA?

Drivers in Houma, LA are recommended to have uninsured/underinsured motorist coverage, which protects against drivers who are uninsured or underinsured.

4. How can I lower my auto insurance premiums in Houma, LA?

Drivers in Houma, LA can lower their auto insurance premiums by maintaining a clean driving record, bundling policies, and taking advantage of discounts offered by insurance companies.

5. What factors can impact my auto insurance rates in Houma, LA?

Factors that can impact auto insurance rates in Houma, LA include age, driving history, type of vehicle, and location.

6. Can I add my teenage driver to my auto insurance policy in Houma, LA?

Yes, teenage drivers can be added to auto insurance policies in Houma, LA. However, their rates may be higher due to their lack of driving experience.

7. Do auto insurance rates increase with age in Houma, LA?

Auto insurance rates can increase with age in Houma, LA, as older drivers may be considered higher risk due to health issues or decreased reaction time.

8. What should I do if I’m involved in an accident in Houma, LA?

If you’re involved in an accident in Houma, LA, you should exchange insurance information with the other driver, take photos of the scene, and report the accident to your insurance company.

9. Are there any local auto insurance companies in Houma, LA?

There are several local auto insurance companies in Houma, LA, including State Farm, Allstate, and Farmers Insurance.

10. Can I file a claim online with my auto insurance company in Houma, LA?

Yes, many auto insurance companies in Houma, LA allow policyholders to file claims online for convenience.

11. What is the average cost of auto insurance in Houma, LA?

The average cost of auto insurance in Houma, LA varies depending on factors such as age, driving history, and type of vehicle. It’s recommended to shop around for quotes to find the best rate.

12. How often should I review my auto insurance policy in Houma, LA?

It’s recommended to review your auto insurance policy in Houma, LA annually to ensure you have adequate coverage and are taking advantage of any discounts available.