Lake Charles, LA Car Insurance – 2025 Cheapest Vehicles to Insure

We compared the cost to insure over 700 vehicles to find the models with cheapest car insurance quotes in Lake Charles, Louisiana.

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  • Lake Charles car insurance cost averages $2,516 per year for a full coverage insurance policy.
  • Vehicles like the Chevrolet Trailblazer, Subaru Crosstrek, Honda CR-V, and Volkswagen Tiguan are the top choices for cheap car insurance in Lake Charles.
  • A few models with the most affordable auto insurance in their segment include the Nissan Titan at $2,354 per year, Subaru Crosstrek at $1,858 per year, Jaguar E-Pace at $2,352 per year, and Acura Integra at $2,236 per year.
  • Auto insurance quotes in Lake Charles can range significantly from as low as $35 per month for minimum liability limits to well over $669 per month for drivers requiring high-risk coverage.

How much does car insurance cost in Lake Charles?

Average car insurance rates in Lake Charles cost $2,516 per year, or about $210 per month. That’s 12.5% more expensive than the overall U.S. overall average rate of $2,221 per year.

The average cost of car insurance in Louisiana is $2,660 per year, so Lake Charles, Louisiana, drivers pay an average of $144 less per year than the overall Louisiana state-wide average rate. When compared to other larger cities in Louisiana, the average cost of auto insurance in Lake Charles is approximately $58 per year less than in Lafayette, $102 per year more than in Shreveport, and $1,094 per year cheaper than in New Orleans.

The age of the driver makes a big difference in the price of auto insurance. The list below illustrates this point by breaking down average car insurance rates in Lake Charles for drivers from 16 to 60.

Average car insurance rates in Lake Charles for drivers age 16 to 60

  • 16 year old – $8,963 per year or $747 per month
  • 17 year old – $8,682 per year or $724 per month
  • 18 year old – $7,781 per year or $648 per month
  • 19 year old – $7,086 per year or $591 per month
  • 20 year old – $5,062 per year or $422 per month
  • 30 year old – $2,682 per year or $224 per month
  • 40 year old – $2,516 per year or $210 per month
  • 50 year old – $2,230 per year or $186 per month
  • 60 year old – $2,088 per year or $174 per month

The chart below shows a summary of auto insurance rates in Lake Charles for 2024 model year vehicles, averaged based on a wide range of driver ages, policy deductibles, and potential risk scenarios.

Average car insurance rates in Lake Charles for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Lake Charles for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Lake Charles includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Lake Charles, LA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,786$482
Safe Driver Age 20$5,062$422
At-fault Accidents Age 40$3,564$297
Low Deductibles Age 40$3,294$275
Safe Driver Age 30$2,682$224
Safe Driver Age 40$2,516$210
Safe Driver Age 50$2,230$186
High Deductibles Age 40$2,118$177
Discount Rate Age 40$2,090$174
Safe Driver Age 60$2,088$174

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

The average cost of car insurance per month in Lake Charles is $210, and ranges from $174 to $482 for the data shown in the chart above.

Car insurance rates can vary considerably and depend on a lot of factors. The potential for large premium differences stresses the need to get multiple auto insurance quotes when shopping online for cheaper auto insurance.

In Lake Charles, which vehicles are cheapest to insure?

The models with the best car insurance rates in Lake Charles tend to be compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Buick Envision, and Toyota Corolla Cross.

Average car insurance quotes for those models cost $2,042 or less per year, or $170 per month, to get full coverage.

Some additional vehicles that rank in the top 20 in our auto insurance price comparison are the Ford Bronco Sport, Volkswagen Tiguan, Honda CR-V, and Buick Envista. Average auto insurance rates are slightly more for those models than the cheapest small SUVs that rank at the top, but they still have an average insurance cost of $2,188 or less per year ($182 per month) in Lake Charles.

The next table breaks down the vehicles with the cheapest overall insurance rates in Lake Charles, sorted by annual and monthly insurance cost.

Cheapest Auto Insurance Rates in Lake Charles, LA
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,858$155
2Chevrolet Trailblazer$1,890$158
3Kia Soul$1,962$164
4Nissan Kicks$1,982$165
5Honda Passport$2,004$167
6Buick Envision$2,016$168
7Toyota Corolla Cross$2,026$169
8Hyundai Venue$2,042$170
9Mazda CX-5$2,052$171
10Ford Bronco Sport$2,060$172
11Volkswagen Tiguan$2,080$173
12Acura RDX$2,102$175
13Nissan Murano$2,114$176
14Buick Encore$2,136$178
15Subaru Outback$2,142$179
16Honda CR-V$2,144$179
17Buick Envista$2,150$179
18Volkswagen Taos$2,154$180
19Kia Niro$2,166$181
20Toyota GR Corolla$2,186$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lake Charles, LA Zip Codes. Updated June 27, 2025

Top 20 cheapest vehicles to insure in Lake Charles, LA with the Subaru Crosstrek ranking first at $1,858 per year
Top 20 cheapest vehicles to insure in Lake Charles, LA with the Subaru Crosstrek ranking first at $1,858 per year

The above table containing 20 of the cheapest vehicles to insure in Lake Charles is probably not the best way to present a detailed summary of Lake Charles car insurance cost. A more useful way to analyze rates in a practical manner is to organize them by the segment they belong to.

This next section goes into detail about the average cost of car insurance by vehicle segment. This should provide a decent idea of the types of vehicles that have the overall best average auto insurance rates. If you read beyond the chart, the next six sections show the cheapest rates for individual models for each segment.

Cost to insure by automotive segment

If you’re looking around at new or used cars, it’s a good idea to have a basic understanding of which kinds of vehicles have less expensive insurance rates. For instance, maybe you’re curious if compact SUVs are cheaper to insure than compact cars or if full-size pickups are cheaper to insure than midsize pickups.

The next chart displays average car insurance rates by segment in Lake Charles. From a segment comparison perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the least expensive average rates, while exotic models have the most expensive overall car insurance rates.

Car insurance average cost by automotive segment in Lake Charles, LA.
Figure 2: Car insurance average cost by automotive segment in Lake Charles, LA. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Lake Charles Zip Codes.

Car Insurance Rates by Automotive Segment in Lake Charles, LA
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,310$193
Midsize SUV$2,482$207
Compact Car$2,486$207
Minivan$2,490$208
Midsize Pickup$2,540$212
Midsize Car$2,566$214
Compact Luxury SUV$2,728$227
Compact Luxury Car$2,768$231
Large SUV$2,776$231
Half-ton Pickup$2,788$232
Heavy Duty Pickup$2,892$241
Midsize Luxury SUV$2,986$249
Midsize Luxury Car$3,086$257
Sports Car$3,458$288
Large Car$3,618$302
Large Luxury SUV$3,894$325
Large Luxury Car$4,024$335

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Lake Charles, LA Zip Codes. Updated June 27, 2025

Average insurance rates by segment are handy to make a general comparison, but the insurance cost for specific vehicles ranges quite significantly within each of the segments listed above.

For example, in the small luxury car segment, Lake Charles insurance rates range from the Acura Integra at $2,236 per year for full coverage insurance to the BMW M340i at $3,074 per year, a difference of $838 within that segment.

In the large luxury SUV segment, the average insurance cost ranges from the Infiniti QX80 costing $2,820 per year to the Mercedes-Benz G63 AMG at $5,408 per year, a difference of $2,588 within that segment.

In the upcoming sections, we remove some of this variability by analyzing the cost of car insurance in Lake Charles for individual vehicle models.

Cars with the cheapest auto insurance in Lake Charles

Ranking at the top of the list for the lowest-cost Lake Charles auto insurance rates in the sedan or hatchback segment are the Nissan Sentra, Nissan Leaf, Subaru Impreza, Toyota GR Corolla, and Honda Civic. Insurance rates for these models average $193 or less per month.

Not the cheapest cars to insure, but still very reasonable, are cars like the Toyota Corolla, Honda Accord, Chevrolet Malibu, and Toyota Prius, with an average car insurance cost of $2,450 per year or less.

Some additional cars worth mentioning include the Hyundai Sonata, Volkswagen Arteon, Kia Forte, and Hyundai Ioniq 6, which average between $2,450 and $2,602 per year for auto insurance.

Car insurance for this segment in Lake Charles for a good driver can cost as low as $182 per month, depending on your company and location.

The next table ranks the cars with the lowest-cost average insurance rates in Lake Charles, starting with the Toyota GR Corolla at $2,186 per year ($182 per month) and ending with the Mazda 3 at $2,602 per year ($217 per month).

Cheapest Car Insurance in Lake Charles, LA
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,186$182
Nissan LeafCompact$2,202$184
Honda CivicCompact$2,228$186
Nissan SentraCompact$2,306$192
Subaru ImprezaCompact$2,310$193
Toyota PriusCompact$2,350$196
Kia K5Midsize$2,422$202
Honda AccordMidsize$2,428$202
Chevrolet MalibuMidsize$2,440$203
Toyota CorollaCompact$2,450$204
Kia ForteCompact$2,456$205
Volkswagen ArteonMidsize$2,472$206
Nissan VersaCompact$2,480$207
Subaru LegacyMidsize$2,482$207
Hyundai Ioniq 6Midsize$2,502$209
Mitsubishi Mirage G4Compact$2,540$212
Toyota CrownMidsize$2,546$212
Volkswagen JettaCompact$2,546$212
Hyundai SonataMidsize$2,550$213
Mazda 3Compact$2,602$217

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lake Charles, LA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Lake Charles, LA, with the Toyota GR Corolla ranking first at $2,186 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Lake Charles, LA, with the Toyota GR Corolla ranking first at $2,186 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see rates for your vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Lake Charles car insurance quotes from top-rated auto insurance companies in Louisiana.

SUVs with affordable car insurance

Ranking in the top five for the cheapest Lake Charles auto insurance rates in the SUV segment (excluding luxury models) are the Subaru Crosstrek, Kia Soul, Chevrolet Trailblazer, Honda Passport, and Nissan Kicks. Car insurance quotes for these 2024 models average $167 or less per month.

Also ranking well in our comparison are SUVs like the Buick Envision, Ford Bronco Sport, Mazda CX-5, and Hyundai Venue, with an average cost of $2,060 per year or less.

Some additional models that rank well include the Buick Encore, Subaru Ascent, Volkswagen Tiguan, and Kia Niro, which average between $2,060 and $2,190 per year for auto insurance.

Car insurance in Lake Charles for this segment for the average driver starts at an average of $155 per month, depending on your company and location.

When the SUV segment is analyzed by vehicle size, the lowest-cost non-luxury compact SUV to insure in Lake Charles is the Subaru Crosstrek at $1,858 per year. For midsize 2024 models, the Honda Passport has the cheapest rates at $2,004 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,362 per year.

The table below ranks the twenty SUVs with the cheapest average car insurance rates in Lake Charles, starting with the Subaru Crosstrek at $1,858 per year and ending with the Subaru Ascent at $2,190 per year.

Cheapest SUV Insurance in Lake Charles, LA
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,858$155
Chevrolet TrailblazerCompact$1,890$158
Kia SoulCompact$1,962$164
Nissan KicksCompact$1,982$165
Honda PassportMidsize$2,004$167
Buick EnvisionCompact$2,016$168
Toyota Corolla CrossCompact$2,026$169
Hyundai VenueCompact$2,042$170
Mazda CX-5Compact$2,052$171
Ford Bronco SportCompact$2,060$172
Volkswagen TiguanCompact$2,080$173
Nissan MuranoMidsize$2,114$176
Buick EncoreCompact$2,136$178
Subaru OutbackMidsize$2,142$179
Honda CR-VCompact$2,144$179
Buick EnvistaMidsize$2,150$179
Volkswagen TaosCompact$2,154$180
Kia NiroCompact$2,166$181
Honda HR-VCompact$2,188$182
Subaru AscentMidsize$2,190$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lake Charles, LA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Lake Charles, LA, with the Subaru Crosstrek ranking first at $1,858 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Lake Charles, LA, with the Subaru Crosstrek ranking first at $1,858 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Looking for rates for a different SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Lake Charles car insurance quotes from the best auto insurance companies in Louisiana.

Cheap pickups to insure in Lake Charles, Louisiana

The four highest ranking pickups with the most affordable insurance rates in Lake Charles are the Chevrolet Colorado at $2,216 per year, Nissan Titan at $2,354 per year, Nissan Frontier at $2,378 per year, and Ford Ranger at $2,404 per year.

Not the cheapest in the list, but still ranking well, are trucks like the Honda Ridgeline, Toyota Tacoma, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with an average cost of $2,586 per year or less.

From a monthly standpoint, full-coverage insurance on this segment in Lake Charles for a middle-age safe driver can cost as low as $185 per month, depending on the company and where you live.

The comparison table below ranks the twenty pickups with the lowest-cost average car insurance rates in Lake Charles, starting with the Chevrolet Colorado at $185 per month and ending with the Ram Truck at $243 per month.

Cheapest Pickup Insurance in Lake Charles, LA
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,216$185
Nissan TitanFull-size$2,354$196
Nissan FrontierMidsize$2,378$198
Ford RangerMidsize$2,404$200
Ford MaverickMidsize$2,440$203
Honda RidgelineMidsize$2,494$208
Hyundai Santa CruzMidsize$2,538$212
Toyota TacomaMidsize$2,548$212
GMC Sierra 2500 HDHeavy Duty$2,560$213
GMC CanyonMidsize$2,586$216
Jeep GladiatorMidsize$2,650$221
GMC Sierra 3500Heavy Duty$2,666$222
Chevrolet Silverado HD 3500Heavy Duty$2,688$224
Chevrolet Silverado HD 2500Heavy Duty$2,764$230
GMC SierraFull-size$2,778$232
Nissan Titan XDHeavy Duty$2,780$232
Chevrolet SilveradoFull-size$2,782$232
Ford F150Full-size$2,816$235
GMC Hummer EV PickupFull-size$2,888$241
Ram TruckFull-size$2,910$243

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lake Charles, LA Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Lake Charles, LA, with the Chevrolet Colorado ranking first at $2,216 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Lake Charles, LA, with the Chevrolet Colorado ranking first at $2,216 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your pickup in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Lake Charles car insurance quotes from top-rated companies in Louisiana.

Most affordable sports cars to insure in Lake Charles

The Mazda MX-5 Miata ranks #1 as the cheapest sports car to insure in Lake Charles, followed closely by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model has an average cost of $2,328 per year for full-coverage insurance.

Rounding out the top 10 are cars like the BMW M2, Subaru BRZ, Nissan Z, and Lexus RC F, with average annual insurance rates of $3,010 per year or less.

From a monthly standpoint, auto insurance rates in Lake Charles on this segment for a middle-age safe driver can cost as low as $194 per month, depending on where you live and the company you use. The table below ranks the sports cars with the lowest-cost average auto insurance rates in Lake Charles, starting with the Mazda MX-5 Miata at $2,328 per year ($194 per month) and ending with the Porsche Taycan at $4,260 per year ($355 per month).

Cheapest Sports Car Insurance in Lake Charles, LA
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,328$194
Toyota GR86Sports Car$2,650$221
Ford MustangSports Car$2,766$231
BMW Z4Sports Car$2,778$232
Subaru WRXSports Car$2,822$235
Toyota GR SupraSports Car$2,826$236
BMW M2Sports Car$2,908$242
Nissan ZSports Car$2,914$243
Lexus RC FSports Car$2,972$248
Subaru BRZSports Car$3,010$251
BMW M3Sports Car$3,178$265
Porsche 718Sports Car$3,238$270
Chevrolet CamaroSports Car$3,272$273
Chevrolet CorvetteSports Car$3,486$291
Porsche 911Sports Car$3,604$300
BMW M4Sports Car$3,756$313
Lexus LC 500Sports Car$3,774$315
Jaguar F-TypeSports Car$3,970$331
Mercedes-Benz AMG GT53Sports Car$4,164$347
Porsche TaycanSports Car$4,260$355

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lake Charles, LA Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Lake Charles, LA, with the Mazda MX-5 Miata ranking first at $2,328 per year.
Ranking of the cheapest sports cars to insure in Lake Charles, LA, with the Mazda MX-5 Miata ranking first at $2,328 per year.

Don’t see your sports car? Not a problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Louisiana.

Luxury cars with cheap insurance

The #1 ranking in Lake Charles for the lowest-cost average insurance in the luxury sedan segment is the Acura Integra, costing $2,236 per year. Second place is the BMW 330i at $2,560 per year, the third most affordable is the Mercedes-Benz CLA250, costing an average of $2,588 per year, and the fourth cheapest is the Lexus IS 300, costing an average of $2,594 per year.

Additional models that rank well in our comparison are the Mercedes-Benz AMG CLA35, Lexus ES 350, Lexus RC 300, and Cadillac CT4, with average annual insurance rates of $2,644 per year or less.

Auto insurance rates in Lake Charles for this segment for a middle-age safe driver can cost as low as $186 per month, depending on where you live and the company you use. The next table ranks the twenty cars with the most affordable average auto insurance rates in Lake Charles, starting with the Acura Integra at $186 per month and ending with the Audi S3 at $235 per month.

Cheapest Luxury Car Insurance in Lake Charles, LA
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,236$186
BMW 330iCompact$2,560$213
Mercedes-Benz CLA250Midsize$2,588$216
Lexus IS 300Midsize$2,594$216
Acura TLXCompact$2,602$217
Cadillac CT4Compact$2,626$219
Lexus ES 350Midsize$2,626$219
Genesis G70Compact$2,632$219
Mercedes-Benz AMG CLA35Midsize$2,638$220
Lexus RC 300Midsize$2,644$220
Lexus IS 350Compact$2,654$221
Jaguar XFMidsize$2,660$222
Cadillac CT5Midsize$2,712$226
Lexus ES 250Midsize$2,722$227
Lexus RC 350Compact$2,728$227
BMW 330eCompact$2,732$228
BMW 228iCompact$2,736$228
BMW 230iCompact$2,758$230
Lexus ES 300hMidsize$2,760$230
Audi S3Compact$2,820$235

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lake Charles, LA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Lake Charles, LA, with the Acura Integra ranking first at $2,236 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Lake Charles, LA, with the Acura Integra ranking first at $2,236 per year.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Lake Charles car insurance quotes from top-rated auto insurance companies in Louisiana.

Cheap luxury SUVs to insure in Lake Charles, LA

Ranking at the top for the lowest-cost Lake Charles car insurance rates in the luxury SUV segment are the Cadillac XT4, Cadillac XT5, Acura RDX, Jaguar E-Pace, and Lexus NX 250. Insurance rates for these models average $2,374 or less per year, or around $198 per month.

Some other luxury SUVs that have affordable average insurance rates include the Mercedes-Benz GLB 250, Lexus NX 450h, Lexus NX 350h, and Lexus UX 250h, with average annual insurance rates of $2,424 per year or less.

Additional 2024 models that made the list include the Mercedes-Benz GLA250, Land Rover Evoque, Mercedes-Benz AMG GLB35, Infiniti QX60, and Infiniti QX50, which average between $2,424 and $2,524 per year for auto insurance in Lake Charles.

As a cost per month, auto insurance rates in this segment for a good driver will start around $175 per month, depending on your location and insurance company.

The next table ranks the twenty SUVs with the most affordable car insurance rates in Lake Charles, starting with the Acura RDX at $2,102 per year ($175 per month) and ending with the Lexus RX 350 at $2,524 per year ($210 per month).

Cheapest Luxury SUV Insurance in Lake Charles, LA
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,102$175
Lexus NX 250Compact$2,226$186
Cadillac XT4Compact$2,270$189
Jaguar E-PaceMidsize$2,352$196
Lexus NX 350hCompact$2,372$198
Cadillac XT5Midsize$2,374$198
Lincoln CorsairCompact$2,404$200
Mercedes-Benz GLB 250Compact$2,408$201
Lexus UX 250hCompact$2,410$201
Lexus NX 450hCompact$2,424$202
Infiniti QX50Midsize$2,444$204
Mercedes-Benz GLA250Compact$2,452$204
Mercedes-Benz GLA35 AMGCompact$2,460$205
Cadillac XT6Midsize$2,462$205
Infiniti QX60Midsize$2,474$206
Mercedes-Benz AMG GLB35Midsize$2,478$207
Land Rover EvoqueCompact$2,510$209
Acura MDXMidsize$2,514$210
Lexus NX 350Compact$2,522$210
Lexus RX 350Midsize$2,524$210

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lake Charles, LA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Lake Charles, LA, with the Acura RDX ranking first at $2,102 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Lake Charles, LA, with the Acura RDX ranking first at $2,102 per year.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Looking for rates for a different model? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Lake Charles car insurance quotes from top-rated companies in Louisiana.

Helpful tips to save on car insurance

Smart drivers in Lake Charles should always be looking to reduce the monthly expense for auto insurance So glance at the money-saving ideas in the list below and maybe you’ll find a way to save a few bucks when buying auto insurance.

  • Keep your claim-free discount. Most car insurance companies give a discounted rate for not having any claims. Car insurance should only be used for significant claims, not for small claims.
  • Remove unneeded coverage on older cars. Dropping comprehensive and collision coverage from vehicles that are older can reduce the cost of auto insurance considerably.
  • Obey the law to get lower rates. If you want to get affordable auto insurance in Lake Charles, it pays to avoid traffic citations. Just one or two minor driving offenses could raise insurance policy rates by at least $670 per year.
  • Check your credit score. Having a credit score over 800 may save $395 per year over a rating of 670-739. Conversely, a subpar credit score could cost up to $458 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Policy discounts equal cheaper auto insurance rates. Discounts may be available if the insureds are loyal customers, drive a vehicle with safety or anti-theft features, are good students, are accident-free, are homeowners, or many other discounts which could save the average Lake Charles driver as much as $426 per year on their insurance cost.
  • Buy vehicles with low cost insurance. Vehicle type is a big factor in the cost of insurance. For example, a Kia Soul costs $1,524 less per year to insure in Lake Charles than a Chevrolet Corvette. Lower performance vehicles cost less to insure.