Get multiple home insurance quotes in 70601. Our licensed 70601, LA agents are ready to serve you.

70601 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 70601? There are over 14,233 occupied homes in the 70601 area. With a population size of 34,571, it's not uncommon for residence of Lake Charles, LA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Louisiana is around $1,507 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 70601 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Lake Charles, LA Home Insurance Rate Quotes

70601 Home Insurance Average Premiums

Local 70601 homeowners insurance quotes comparison

$1257 /yr.

Shows Zip Code: 70601 lowest rates with discounts applied on average.

For the 70601, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$1257 /yr.
Average Coverage:$1507 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1807 /yr.

What is the average home insurance cost for a home in 70601?

  • • The average homeowners insurance premium paid annually for a home in 70601 is around $1507 per year.

What does it cost on average per month for home insurance in 70601?

  • • Homeowners in 70601 pay a monthly average cost per month around $126.00.

What kind of discount could I get if I combine my home and auto insurance together in 70601?

  • • Autoowners in 70601 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Lake Charles area, check out other zip codes nearby 70601.
Review average rates in another zip code:
70607 homeowners insurance rates
70601 homeowners insurance rates
70611 homeowners insurance rates
70615 homeowners insurance rates
70605 homeowners insurance rates

Home Replacement Cost Coverage in 70601

Average Building Cost Per Square Foot in 70601: $122

Location: Lake Charles, Louisiana (Calcasieu County)

Average Square Footage in 70601: 1,116 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70601 before you start any project. Lake Charles homeowners pay on average around $122 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 70601 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 70601 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,116 sq. ft. and the average cost to rebuild the home in this area is around $122 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Lake Charles area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1221,116$136,200
Additional Upgrades & Added Features$1531,116$170,250
Major Home Updates or Advancements$1831,116$204,300

It's important to understand that when you estimate your replacement cost of your home in the 70601 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 70601

Farm Bureau Insurance

Address: 2904 Warren Avenue Lake Charles, LA 70601
Phone: (337)478-6714
Website:

Fondel Raymond Jr Insurance

Address: 900 Ryan Street Lake Charles, LA 70601
Phone: (337)433-6363
Website:

Allstate Insurance Company

Address: 313 Alamo Street Lake Charles, LA 70601
Phone: (337)477-7380
Website: www.allstate.com

State Farm Bank

Address: 1105 West Prien Lake Road Suite A Lake Charles, LA 70601
Phone: (337)474-0865
Website: www.statefarm.com

Best Home & Auto Insurance Agencies in 70601

Fondel Raymond Jr Insurance

Address: 900 Ryan St Lake Charles, LA 70601
Phone:
Website:
Info:

Direct General Insurance Agency Inc

Address: 1413 E Prien Lake Rd Lake Charles, LA 70601
Phone:
Website:
Info:

Usagencies

Address: 3303 Ryan St Lake Charles, LA 70601
Phone:
Website: http://www.usagencies.com
Info:

Johnny Janese Ins Agency Inc - State Farm Insurance Agent

Address: 1528 E Prien Lake Rd Lake Charles, LA 70601
Phone:
Website:
Info:

Mid-South Insurance Agency Inc

Address: 1628 Ryan St Lake Charles, LA 70601
Phone:
Website:
Info:

Housing Demographics for 70601

Population Review for 70601 Zip Code

For the city of Lake Charles, the population within 70601 has increased to over 32,868 residents in population size. The current population total is 34,571. We have broken down the population based on race below. In 70601, there are over 16198 in male population and 18373 females.

PopulationValues
Total Population34,571
White Population9764
Black Population22034
Hispanic Population1481
Asian Population269
Hawaiian Population19
Indian Population139
Other Population730
Male Population16198
Female Population18373
Population Estimate32868

Household Data for 70601

The average number of homes in 70601 is around 14,233, there are an average of 2.40 per household. The average house value according to local real estate values is around $136,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,233
Persons Per Household2.40
Average House Value$136,200
Income Per Household$44108
Median Age37.6
Median Age Male36.3
Median Age Female38.9
70601 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code337
CityLake Charles
City Alias NameLAKE CHARLES
CountyCalcasieu
County FIPS019
State FIPS22
Time Zone6
Day Light SavingY
MSA3960
PMSA
CSA324
CBSA29340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLake Charles, LA
MSA_NameLake Charles, LA MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1337
Number Of Employees21184
Business First Quarter Payroll216111
Business Annual Payroll979105
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population199607
CBSA Division Population0
Congressional District03
Congressional LandArea6983.32
Delivery Residential13695
Delivery Business2036
Delivery Total15623
Preferred Last Line KeyY23993
Classification Code
Multi-County
CSA NameLake Charles-DeRidder, LA
CBSA_DIV_Name
City State KeyY23993
Land Area16.118000
Water Area2.354000
City Alias Code
City Mixed CaseLake Charles
City Alias Mixed CaseLake Charles
Box Count0
SFDU11711
MFDU1092
State ANSI22
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number215057
Unique ZIP Name
SSA State County Code19090
Medicare CBSA Code29340
Medicare CBSA NameLake Charles, LA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseCalcasieu

Louisiana Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]