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Compare multiple home insurance rates for your home in Lake Charles just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 16,192 neighbors looking to save on their home insurance policy in the local 70605 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 70605. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Louisiana rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Lake Charles, LA home insurance rates today!
For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Lake Charles, LA
70605 Home Insurance Average Premiums
$1284 /yr.
Shows Zip Code: 70605 lowest rates with discounts applied on average.
For the 70605, 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) | $1284 /yr. |
| Average Coverage: | $1534 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1834 /yr. |
What is the average home insurance cost for a home in 70605?
- • The average homeowners insurance premium paid annually for a home in 70605 is around $1534 per year.
What does it cost on average per month for home insurance in 70605?
- • Homeowners in 70605 pay a monthly average cost per month around $128.00.
What kind of discount could I get if I combine my home and auto insurance together in 70605?
- • Autoowners in 70605 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.
You can easily shop and compare home insurance rates within Lake Charles, check out other zip codes nearby 70605.
To review average rates in another zip code, click on a zip code below:
70615 | 70607 | 70601 | 70611 | 70605 |
Home Replacement Cost Coverage in 70605
Average Building Cost Per Square Foot in 70605: $122
Location: Lake Charles, Louisiana (Calcasieu County)Average Square Footage in 70605: 2,046 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 70605 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 70605 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 70605 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,046 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $122 | 2,046 | $249,600 |
| Additional Upgrades & Added Features | $153 | 2,046 | $312,000 |
| Major Home Updates or Advancements | $183 | 2,046 | $374,400 |
It's important to understand that when you estimate your replacement cost of your home in the 70605 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 70605
Allstate Insurance - Scott Raley
Address: 4415 Lake Street Suite B Lake Charles, LA 70605Phone: (337)474-3500
Website:
ICT Group Llc
Address: 405 E St Peter P.O. Box 3751 Lake Charles, LA 70605Phone: (337)478-6730
Website: progressive.com
Allstate Insurance - J. Patrick Hight
Address: 3405 Lake Street Lake Charles, LA 70605Phone: (337)474-2020
Website:
Allstate Insurance - Susan Morris
Address: 1936 Southwood Dr Ste B Lake Charles, LA 70605Phone: (337)480-0099
Website:
Dennis Frank Newman Sr
Address: 303 S Lake Ct Lake Charles, LA 70605Phone: (713)961-2848
Website:
Best Home & Auto Insurance Agencies in 70605
Jim Mitchell Ins Agy Inc - State Farm Insurance Agent
Address: 830 University Dr Lake Charles, LA 70605Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Dale Bernard Ins Agcy Inc
Address: 4344 Lake St Lake Charles, LA 70605Phone:
Website:
Info:
ABC Insurance Agencies
Address: 3429 Ryan St Lake Charles, LA 70605Phone:
Website:
Info:
Clarke Insurance Inc
Address: 4840 Lake St Lake Charles, LA 70605Phone:
Website: http://www.clarkeinsurance.net
Info:
Allstate Insurance - Susan Morris
Address: 1936 Southwood Dr Lake Charles, LA 70605Phone:
Website:
Info:
Housing Demographics for 70605
Population Review for 70605 Zip Code
For the city of Lake Charles, the population within 70605 has increased to over 41,458 residents in population size. The current population total is 39,903. We have broken down the population based on race below. In 70605, there are over 19415 in male population and 20488 females.
| Population | Values |
|---|---|
| Total Population | 39,903 |
| White Population | 30053 |
| Black Population | 4257 |
| Hispanic Population | 2545 |
| Asian Population | 1913 |
| Hawaiian Population | 57 |
| Indian Population | 198 |
| Other Population | 938 |
| Male Population | 19415 |
| Female Population | 20488 |
| Population Estimate | 41458 |
Household Data for 70605
The average number of homes in 70605 is around 16,192, there are an average of 2.45 per household. The average house value according to local real estate values is around $249,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 16,192 |
| Persons Per Household | 2.45 |
| Average House Value | $249,600 |
| Income Per Household | $81404 |
| Median Age | 38.0 |
| Median Age Male | 36.9 |
| Median Age Female | 39.2 |
| 70605 Details | Values |
|---|---|
| State | LA |
| State Full Name | Louisiana |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 337 |
| City | Lake Charles |
| City Alias Name | LAKE CHARLES |
| County | Calcasieu |
| County FIPS | 019 |
| State FIPS | 22 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 3960 |
| PMSA | |
| CSA | 324 |
| CBSA | 29340 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Lake Charles, LA |
| MSA_Name | Lake Charles, LA MSA |
| PMSA_Name | |
| Region | South |
| Division | West South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 891 |
| Number Of Employees | 11178 |
| Business First Quarter Payroll | 105709 |
| Business Annual Payroll | 472756 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 199607 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 6983.32 |
| Delivery Residential | 16922 |
| Delivery Business | 922 |
| Delivery Total | 17650 |
| Preferred Last Line Key | Y23993 |
| Classification Code | |
| Multi-County | |
| CSA Name | Lake Charles-DeRidder, LA |
| CBSA_DIV_Name | |
| City State Key | Y23993 |
| Land Area | 42.962000 |
| Water Area | 5.365000 |
| City Alias Code | |
| City Mixed Case | Lake Charles |
| City Alias Mixed Case | Lake Charles |
| Box Count | 0 |
| SFDU | 11206 |
| MFDU | 2946 |
| State ANSI | 22 |
| County ANSI | 019 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 215057 |
| Unique ZIP Name | |
| SSA State County Code | 19090 |
| Medicare CBSA Code | 29340 |
| Medicare CBSA Name | Lake Charles, LA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 4 |
| County Mixed Case | Calcasieu |
Louisiana Homeowners Insurance News & Information
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How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025
According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common. In a recent AOL.com article, Paul Burns commented on how he had […]
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5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025
Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]
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Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025
According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year. The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]