Cheapest Car Insurance Quotes in Hammond

Finding the cheapest car insurance quotes in Hammond shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Hammond Car Insurance

^$ 41

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Hammond

The car insurance rate in Hammond is $1791 for a six-month policy, which is $101 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $516, making it a popular choice for budget-conscious drivers. Rates in Hammond can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Hammond

$1791

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Hammond

1st place: Louisiana Farm Bureau

At $516 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1171 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1555 for six months, making it the third cheapest auto insurance company in Hammond.

Hammond Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hammond, LA is Louisiana Farm Bureau, offering policies at just $516 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1171.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2512 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hammond drivers find the best deals.

Cheap Car Insurance Companies in Hammond, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$516	$88
Southern Farm Bureau	$1171	$195
USAA	$1555	$262
Progressive	$1750	$295
Farm Bureau	$1826	$307
State Farm	$1927	$324
Safeway	$1971	$332
SafeAuto	$2002	$334
Encompass	$2047	$348
Allstate	$2437	$410
AAA	$2512	$427

Key Takeaways

Way's key takeaways about car insurance in Hammond

The auto insurance costs in Hammond fall around $516 for six months.
The cheapest auto insurance company in Hammond is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Hammond at $1269 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Hammond

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Hammond are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Hammond. Their Average 6 Month Premium is $246. Safeway is the most expensive at $769 for the same period.

Cheapest Liability Coverage in Hammond, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$246	$41
Southern Farm Bureau	$409	$70
USAA	$516	$87
Progressive	$529	$89
State Farm	$554	$93
Farm Bureau	$636	$107
AAA	$655	$109
Allstate	$661	$111
SafeAuto	$718	$120
Safeway	$769	$129

Cheapest Full Coverage Car Insurance in Hammond

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Hammond is Louisiana Farm Bureau at $88 per month and $516 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hammond, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$516	$88
Southern Farm Bureau	$1171	$195
USAA	$1555	$262
Progressive	$1750	$295
Farm Bureau	$1826	$307
State Farm	$1927	$324
Safeway	$1971	$332
SafeAuto	$2002	$334
Encompass	$2047	$348
Allstate	$2437	$410
AAA	$2512	$427

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Hammond Instantly!

Average Car Insurance in Hammond by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Hammond, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in Hammond, Louisiana, may be increasing due to several external factors. Louisiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Hammond's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Hammond

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$1058
30s	USAA	$859
40s	USAA	$791
50s	USAA	$756
60s	USAA	$807
70s	USAA	$827

Cheapest Car Insurance Rates for Teen Drivers in Hammond,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the Hammond at $67 per month. At $7461 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$403	$67
State Farm	$3067	$516
USAA	$3274	$546
Safeway	$5005	$851
Allstate	$5566	$928
Progressive	$5780	$973
Farm Bureau	$6549	$1092
AAA	$7461	$1269

Teen Car Insurance Rates in LA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Hammond.

As young drivers face the highest rates in Hammond, USAA offers the cheapest auto insurance rates at $1058 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Hammond, Louisiana Farm Bureau is the cheapest car insurance provider. At $441 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Hammond is State Farm, offering rates of around $9810 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$441	$75
Allstate	$1876	$313
Progressive	$2103	$354
USAA	$2135	$356
Safeway	$2141	$364
Farm Bureau	$4061	$677
AAA	$7127	$1212
State Farm	$9810	$1635

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Hammond.

Car Insurance Rates with An Accident in Hammond

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Hammond, LA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hammond

The cheapest car insurance companies after an at-fault accident in Hammond include Louisiana Farm Bureau and State Farm, offering $321 and $1259, respectively. AAA is an expensive provider with an average six-month premium of $4024.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$321	$53
State Farm	$1259	$212
USAA	$1417	$239
Progressive	$1555	$262
Safeway	$1814	$305
Farm Bureau	$1964	$334
Allstate	$1996	$336
AAA	$4024	$684

Hammond Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hammond LA. For example, the car insurance in Hammond after a DUI increases to $1499 for a six month policy. While the rate increases by $435 for a six-month policy in the case of a speeding ticket.

Hammond auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1737	$289
One Med/PIP claim	$1737	$296
Two Med/PIP claims	$1756	$293
Not-at-fault accident	$1763	$300
One comp claim	$1769	$295
Two comp claims	$1833	$312
Failure to wear a seat belt	$2047	$341
Failure to show documents	$2071	$352
Child safety restraint	$2103	$351
Driving without lights	$2103	$357
Driving with expired registration	$2141	$357
Driving too slowly	$2172	$369
Speeding 11 - 15 MPH over limit	$2172	$363
Speeding 16 - 20 MPH over limit	$2172	$369
Speeding 6 - 10 MPH over limit	$2172	$363
Speeding in school zone	$2172	$369
In 65 MPH zone	$2178	$364
Cell phone violation	$2197	$373
Texting while driving	$2197	$367
Wrong way/wrong lane	$2197	$373
At-fault accident - less than $1000	$2210	$368
Failure to stop at a red light	$2210	$376
Failure to yield	$2210	$368
Following too closely	$2210	$376
Illegal turn	$2210	$368
Improper passing	$2210	$376
Passing school bus	$2229	$371
Speeding 21 - 25 MPH over limit	$2229	$379
Open container	$2292	$382
Operating a vehicle without permission	$2450	$417
At-fault accident - $1000-$2000	$2512	$419
At-fault accident - greater than $2000	$2512	$427
Reckless driving	$3035	$506
Refusal to submit to a chemical test	$3086	$525
DUI	$3236	$540
Racing	$3262	$554
Leaving scene of an accident/hit and run	$3287	$548
Driving with a suspended license	$3300	$561

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Hammond after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Hammond.

The cheapest car insurance premiums in Hammond are offered by Louisiana Farm Bureau at $353 for a six-month policy. However, it can be as expensive as $3722 with companies like AAA.

Hammond car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$353	$58
Southern Farm Bureau	$1454	$247
Progressive	$1776	$299
Farm Bureau	$1964	$334
USAA	$2399	$404
Safeway	$2480	$418
State Farm	$2764	$465
Allstate	$3035	$511
AAA	$3722	$620

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Hammond are offered by Louisiana Farm Bureau at $289. However, it can be as expensive as $3495 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Hammond after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$289	$49
State Farm	$1297	$218
Progressive	$1568	$264
USAA	$1700	$289
Farm Bureau	$1964	$328
Safeway	$2185	$371
Allstate	$2443	$407
AAA	$3495	$595

Car Insurance Price Trends in Hammond, Louisiana

Car insurance rates in Hammond have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Hammond rose by $394 in January compared to $322 of December. In other words, there has been an increase by $72 when you compare January and December.

The average cost of liability insurance in the Hammond rose to $94 in January, compared to $90 in December. This represents an increase of $4 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Hammond?

The car insurance in Hammond is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Hammond?

The cheapest car insurance in Hammond is $88 per month for full coverage.

How much is car insurance in Hammond for teenagers?

Car insurance for teenagers costs $403 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Hammond?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $301 per month to insure your car in Hammond.

Is car insurance expensive in Hammond?

Car insurance can be expensive in Hammond if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Hammond can be affordable.

What is the best car insurance in Hammond, LA?

The best car insurance company in Hammond LA is Louisiana Farm Bureau, offering $516 for a six-month policy.