Cheap Terrebonne, LA Auto Insurance Rates for 2021

Terrebonne Parish, Louisiana, acts as a county that encompasses the Houma-Thibodaux metropolitan area. On average, Terrebonne, LA auto insurance costs $440 per month or $5,285 per year. The cheapest Terrebonne, LA auto insurance company is USAA; however, only military personnel can use its services. State Farm provides the next most inexpensive auto insurance quotes in your parish. Hurricanes and severe weather patterns influence insurance rates in this coastal Louisiana region.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Terrebonne Parish acts as a county in Louisiana encompassing the Houma-Thibodaux metropolitan region
  • On average, Terrebonne, LA auto insurance costs $440 per month or $5,285 annually
  • USAA offers the cheapest rates in your parish, followed by State Farm

Terrebonne Parish acts like a county encompassing the town of Houma in Louisiana. On average, Terrebonne, LA auto insurance costs $440 per month or $5,285 annually.

Below, learn about the Louisiana auto insurance requirements and discover the cheapest company for you.

When you’re ready to buy Terrebonne, LA auto insurance, enter your ZIP code into our free quote tool above and start comparison shopping.

What is the cheapest auto insurance company in Terrebonne, LA?

USAA offers the cheapest Terrebonne, LA auto insurance quotes. However, only military personnel and their families can use its services.

State Farm is the next cheapest Terrebonne, LA auto insurance company in your parish and is available to everyone.

Below, compare the monthly average rates from the top insurance providers in your parish from least to most expensive:

  • USAA – $4,138.51
  • State Farm – $4,609.17
  • Allstate – $5,206.66
  • GEICO – $5,266.97
  • Progressive – $7,207.08

Many different factors impact your auto insurance rates, including your age, driving record, and the coverage you require.

To find the right provider for you, compare multiple different providers online.

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What auto insurance coverage is required in Terrebonne, LA?

To legally drive on the roads in Terrebonne Parish, you must carry at least the Louisiana minimum auto insurance limits.

Currently, Louisiana requires the following coverage:

  • $15,000 per person and $30,000 per incident in bodily injury liability coverage
  • $25,000 per incident in property damage liability coverage

Louisiana is an at-fault or tort state. If you cause an accident, your liability insurance pays for the damages to the other driver involved.

What affects auto insurance rates in Terrebonne, LA?

Louisiana auto insurance rates are some of the highest in the country. Houma, the only town located in the Terrebonne Parish, is no exception.

The higher costs are partially due to uninsured motorists in the state, causing premiums to increase.

Otherwise, Houma, LA auto insurance rates are heavily influenced by the Terrebonne, LA weather patterns.

Hurricanes and floods occur annually, increasing the regional insurance rates.

Fortunately, the parish itself experiences minor traffic congestion. INRIX ranks New Orleans as the seventh most congested city in America. However, it is 55 miles away from Terrebonne.

According to City-Data, the average commute time for Terrebonne Parish residents is only 25.2 minutes.

Auto theft rates are also low. In 2017, the Federal Bureau of Investigation (FBI) recorded only 50 car thefts in Houma.

Terrebonne, LA Auto Insurance: The Bottom Line

Terrebonne Parish has some of the higher Louisiana auto insurance rates, primarily because of its annual hurricane season.

Compare Terrebonne to the following major Louisiana cities:

Researching companies and discounts ahead of time helps keep your costs low.

Ask about safe driver discounts, anti-theft device discounts, paperless discounts, and more.

Compare affordable Terrebonne, LA auto insurance rates for free now by entering your ZIP code into our quote tool below.

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