Houma Car Insurance Resources

Houma, LA Car Insurance

Cars Insured in Houma

^ There are an estimated 21,433 vehicles currently insured in Houma. ^[1]

Car Insurance Rates in Houma

^ From 2006 to 2010, Louisiana cities had the 3rd highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Houma

^ There are an estimated 3,058 uninsured motorists driving in Houma. ^[3]

Houma Car Insurance

Car Insurance Liability Requirements in Houma

Minimum Liability Limits in Houma: 15/30/25 ^[4]
- 15 Required coverage up to $15,000 for one individual injured in an accident
- 30 Required coverage up to $30,000 for all persons injured in an accident
- 25 Required coverage up to $25,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Houma

Houma Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage

Car Insurance Verification Laws in Houma

Insurer Verification of Auto Insurance in Houma ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Houma Car Insurance Facts, Estimates & Related Laws

Houma Car Insurance Stats

Number of Auto Insurance Policies in Houma
- Based on historical and current data, 21,433 cars are currently insured in Houma. ^[5]
- Louisiana cities collectively ranked 26th in the nation in auto insurance policies in 2011 with a total of 2,880,946. ^[1]
Uninsured Motorist Rate in Houma
- Based on historical and current data, Houma has an estimated 3,058 uninsured drivers. ^[6]
- Louisiana cities collectively had the 27th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Houma
- Louisiana cities collectively had the 3rd highest auto insurance rates in the nation in 2010. ^[2]

Houma Distracted Driving Laws

Hand-held phone ban? Yes

hand-held phone ban in place for all learner's permit holders, irrespective of age, and all intermediate license holders. ^[7]

Texting-while-driving ban? Yes

Texting-while-driving ban in place for all drivers. ^[7]

Young drivers cell phone ban? Yes

Ban applies to all novice drivers, see footnote for detail4. ^[7]

Bus driver cell phone ban? Yes

Ban applies to school bus drivers. ^[7]

Enforcement of laws:

Primary enforcement in effect. ^[7]
With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Houma Automotive Laws

Minimum Driving Age in Houma ^[9]
- Houma, LA minimum driving age: 15 years.
Driver's License Renewal Cycle in Houma
- Renewal cycle: 4 years ^[7]
Motorcycle Helmet Laws in Houma
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Houma
- Safety belt laws have been in place since 1986 and apply to drivers/passengers 13+ years in all seats. ^[7]
- Child restraint law in place for younger than 1 year or less than 20 pounds in a child safety seat; 1 - 3 years or 20-39 pounds in a forward-facing child safety seat; 4 - 5 years or 40-60 pounds in a child booster seat. ^[7]

Louisiana Car & Driver Facts

Louisiana Auto Registrations

Auto Registrations in LA ^[8]
- Registered Cars: 1,801,488
- Registered Trucks: 2,169,221
- Registered Motorcycles: 68,460
- Total Registrations: 4,052,596
- Rank: Louisiana ranked 23rd in the United States in total auto registrations in 2011.

Louisiana Automotive Facts

Speed Limits in LA
- Rural interstates: 75 mph ^[7]
- Urban interstates: 70 mph ^[7]
- Other roads: 65 mph ^[7]
Louisiana Motor Fuel Consumption
- Louisiana cities collectively ranked 24th in the nation in total motor fuel consumption in 2011. ^[10]

Louisiana Licensed Drivers

Licensed Drivers in LA ^[11]
- Female Drivers: 1,646,556
- Male Drivers: 1,539,671
- Total Drivers: 3,186,227
- Rank: 25th highest in the U.S.

Additional information about Houma, LA

About Houma

Houma (Louisiana) is a city with a population of 33,727 ^[12] that is located in Terrebonne County.

More about Houma auto insurance

For more information about Houma car insurance, or for additional resources regarding Louisiana car insurance overall, visit the Louisiana Department of Insurance.

Did you know?

Only three states (Arizona, Montana, and South Carolina) do not have any ban in place on texting while driving.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)