For a 40-year-old driver with a clean record, Houma car insurance averages about $250 a month ($3,005 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 17% below the Louisiana average of $300 a month. Full-coverage averages in Houma run from about $134 to $341 a month across the three major insurers we compared (GEICO, Progressive and Southern Farm Bureau).
Houma is one of the least expensive of the 18 Louisiana cities we publish guides for: about $50 a month less than the Louisiana average and about $181 a month less than New Orleans.
Our data covers three ZIP codes with a Houma mailing address, from about $245 a month in 70364 to $257 in 70363.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Houma ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Houma, LA?
Full coverage in Houma averages $3,005 a year, or about $250 a month, for our benchmark driver. Liability-only coverage at Louisiana’s 15/30/25 minimum averages $878 a year ($73 a month), and 50/100/50 liability with comprehensive and collision averages $2,622 ($219 a month).
- Full coverage (100/300/100, $500 deductibles): $3,005 a year ($250 a month)
- 50/100/50 with $500 deductibles: $2,622 a year ($219 a month)
- Liability only (15/30/25): $878 a year ($73 a month)
- Terrebonne Parish: $2,993 a year ($249 a month) for full coverage
- Louisiana average: $3,600 a year ($300 a month) for full coverage
- ZIP code range: $245 (70364) to $257 (70363) a month for full coverage
Cheap Car Insurance in Houma: Companies Compared
- Full-coverage range: about $134 to $341 a month across the four insurers in our rate data, for the same driver and car.
- Military families: USAA averages about $231 a month, but only for eligible members.
- Liability only (15/30/25): about $44 to $94 a month across the three insurers anyone can buy from.
- State Farm (Nov. 2025 rates)*: about $346 a month for full coverage, from its November 2025 rates.
- Also on our list: Encompass at about $348 a month, Farmers at $370, Safeway at $371, AAA at $383 and Allstate at $707.
- Most expensive among the three major insurers we compared: Progressive, at about $341 a month.
Southern Farm Bureau’s Houma average, about $134 a month, is 55% below GEICO’s ($296), a lead wide enough that we show the range instead of naming a single cheapest insurer. The published 2026 statewide Louisiana rate studies we reviewed most often rank Farm Bureau cheapest for full coverage: three of the six put it first. For liability-only coverage at 15/30/25 limits, averages run from about $44 to $94 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Houma
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 15/30/25 (Yearly): | Minimum Liability 15/30/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Southern Farm Bureau | $527 | $44 | $1,607 | $134 |
| USAA (military families) | $954 | $80 | $2,769 | $231 |
| GEICO | $908 | $76 | $3,548 | $296 |
| Progressive | $1,124 | $94 | $4,097 | $341 |
| State Farm (Nov. 2025 rates)* | $1,301 | $108 | $4,149 | $346 |
| Encompass* | $1,662 | $139 | $4,174 | $348 |
| Farmers* | $2,532 | $211 | $4,438 | $370 |
| Safeway* | $1,562 | $130 | $4,457 | $371 |
| AAA* | $1,118 | $93 | $4,597 | $383 |
| Allstate* | $2,317 | $193 | $8,481 | $707 |
| Houma average | $878 | $73 | $3,005 | $250 |
This table uses Houma ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Houma Car Insurance Rates by ZIP Code
Across the three Houma ZIP codes we price, full coverage for our driver ranges from about $245 a month in 70364 to $257 in 70363, a gap of $144 a year. 70364, on the north side, is the least expensive Houma ZIP code in our data, and 70363, to the south, the most expensive.
Lowest-priced Houma ZIP code
Highest-priced Houma ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Houma’s average.
| ZIP Code: | Minimum Liability 15/30/25 (Yearly): | Minimum Liability 15/30/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 70360 | $882 | $74 | $3,000 | $250 | About average |
| 70363 | $891 | $74 | $3,080 | $257 | +3% |
| 70364 | $861 | $72 | $2,936 | $245 | -2% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Houma?
Raising liability limits from 50/100/50 to 100/300/100 adds about $383 a year on average in our Houma data, with the same $500 deductibles. That’s about $32 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Houma?
Not for our benchmark driver. Comparing the same insurers in the same Houma ZIP codes, full coverage averaged $3,052 a year nine months earlier and $3,005 in rates as of Aug. 31, 2026, a 1.5% drop. Progressive cut its Houma average 3.0% and USAA 2.1%, while GEICO’s and Southern Farm Bureau’s averages were unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/25 limits fell 4.5%, led by USAA, which cut its liability-only average 13.6%.
What Keeps Car Insurance Costs Down in Houma
Terrebonne Parish averages about $249 a month for full coverage, the 19th-least expensive of the 61 Louisiana parishes we price.
Thibodaux, in Lafourche Parish, averages about $231 a month and Raceland $244. Where you live is one of the factors Louisiana insurers use, so neighboring cities can be priced differently.
How Houma Car Insurance Compares With Other Louisiana Cities
More Louisiana cities and towns are in the Louisiana rates by city table, and you can compare states on our car insurance rates by state page.
Bayou Cane, whose only ZIP code in our data, 70360, is also one of Houma’s, averages $250 a month, and LaPlace, about 35 miles northeast, $355.
What Car Insurance Is Required in Houma?
Drivers in Houma follow Louisiana’s rules. Every vehicle must be covered by at least:
- Bodily injury liability of $15,000 per person and $30,000 per crash
- Property damage liability of $25,000 per crash
Our Louisiana requirements guide covers uninsured motorist coverage, the 2025 law changes and what happens if you drive uninsured.
How to Lower Your Car Insurance Rate in Houma
- Get quotes from GEICO, Progressive and Southern Farm Bureau. They’re the three insurers anyone can buy from in our Houma data. Ask each about discounts: the Department of Insurance lists discounts for insuring more than one car, usage-based (telematics) programs, good grades, defensive-driving courses and safety features.
- Quote several insurers. Among the three major insurers we compared in Houma, the lowest and highest averages are about $207 a month apart for the same driver and car.
- Never drive uninsured. Since Aug. 1, 2025, Louisiana’s “no pay, no play” law keeps an uninsured driver from recovering the first $100,000 of injury and the first $100,000 of property damages, even when someone else causes the crash, under R.S. 32:866.
- Compare at every renewal. Over the past nine months, Progressive has cut its Houma average 3.0% and USAA 2.1%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Louisiana, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Houma Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 12 full-coverage premiums from four insurers across three Houma ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Louisiana averages come from four insurers, one of them USAA, which sells only to military families. Southern Farm Bureau prices well below the other three in every parish we price, so the averages move a lot depending on which insurers are included. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Louisiana’s 15/30/25 minimum, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s latest Louisiana rates are from November 2025, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Louisiana rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Louisiana law and the Louisiana Department of Insurance. We refresh these figures when new rate data is released.
Houma Car Insurance FAQ
For our benchmark driver, full coverage in Houma averages about $250 a month ($3,005 a year) and liability-only coverage about $73 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 17% below the Louisiana average of $300 a month.
It depends on the coverage. For full coverage, averages in Houma run from about $134 to $341 a month across the three major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage, averages run from about $44 to $94 a month. Of the six published 2026 statewide Louisiana rate studies we reviewed, three rank Farm Bureau cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Houma, for our benchmark driver. Houma full coverage averages about $250 a month and New Orleans about $431, a difference of about $181 a month.
In our data, 70364 has the lowest full-coverage average in Houma, at about $245 a month, and 70363 the highest, at about $257. The ZIP code table on this page lists all three.
In our Houma data, full coverage (100/300/100 with $500 deductibles) averages about $250 a month and liability-only coverage at 15/30/25 limits about $73, a difference of about $177 a month ($2,127 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Louisiana law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Houma full coverage fell 1.5% over the past nine months, from about $3,052 to $3,005 a year. Progressive cut its Houma average 3.0% and USAA 2.1%. Liability-only coverage at 15/30/25 limits fell 4.5%.
For our benchmark driver, full coverage in Houma averages about $250 a month. Nearby, Bayou Cane averages about $250, LaPlace about $355 and Kenner about $368. Bayou Cane is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
