Car insurance costs an average of $2,361 per year in Baton Rouge. That’s $680 less than the statewide average premium. The most affordable and widely available insurer is Southern Farm Bureau, at $1,451 per month. MoneyGeek studied the cheapest insurers in the city across various driving profiles and coverage amounts. Using the scores while shopping for quality and affordable car insurance can help you find the best insurer for your profile.
Compare the Cheapest Car Insurance Quotes in Baton Rouge, LA
The Cheapest and Best Car Insurance in Baton Rouge
The Cheapest Car Insurance Companies in Baton Rouge
While looking for the cheapest full coverage car insurance in Baton Rouge, the top providers to consider are:
- USAA: $1,404 per year (available only to current and former military personnel)
- Southern Farm Bureau: $1,451 per year
MoneyGeek collected information about car insurance companies in Baton Rouge using a sample 40-year-old male driver with a full coverage policy that includes liability coverage and comprehensive and collision coverage.
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Average Cost of Car Insurance in Baton Rouge
The average annual car insurance rate in Baton Rouge totals $2,361 in 2020 as compared to $3,041 for Louisiana as a whole. This means drivers in Baton Rouge pay 22.3% less than many other drivers in the state but 65.8% more than the national average of $1,424. Researching and comparing rates can help you find the cheapest car insurance in Baton Rouge.
The Best Car Insurance Companies in Baton Rouge
Baton Rouge drivers can use MoneyGeek’s scores of the best companies in the city to find car insurance coverage that combines quality service and affordability. From the research, MoneyGeek discovered that the best auto insurance carriers in the city for most drivers are:
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 83 out of 100
USAA received the highest score in Baton Rouge by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek considered various factors while calculating the scores out of 100, including financial stability, user satisfaction and affordability ratings from J.D. Power.
Personalized Quotes to Get You the Cheapest Car Insurance in Baton Rouge
Getting a personalized quote means the auto insurance company considers factors such as driving history, car type, ZIP code and credit scores. Armed with a personalized quote, you can compare rates to find the best deal. Be sure to check rates regularly as you renew your policy, as rate and circumstance changes could afford you a cheaper quote.
Shopping around for car insurance in Baton Rouge could save you $911, which is enough to buy:
Cheapest Car Insurance in Baton Rouge by Coverage Amount
In Baton Rouge and elsewhere, the coverage amount you choose dictates how much you pay for car insurance, among other factors. If you purchase a minimum liability policy, you will pay an average of $1,085 per year. However, if you choose a full coverage policy with higher limits, you will pay around $2,361 per year, which is $1,276 higher than the state minimum coverage cost.
Louisiana Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Baton Rouge insurance agencies offer both liability and full coverage at 50/100/50. These policies cover $50,000 in injury costs per person, totaling $100,000 per accident and $50,000 in property damage. Liability insurance provides these amounts to the other driver if you are at fault, while full coverage makes these funds available to you as well. At Southern Farm Bureau, the difference between liability and full 50/100/50 coverage is only $202 per year. Some drivers may benefit from opting for full coverage, given the small variation in cost.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- 2.Southern Farm Bureau$701$1,015
- Company50 / 100 / 50per year100 / 300 / 100per year
- 2.Southern Farm Bureau$1,217$1,451
Cheapest Car Insurance in Baton Rouge if You Have Driving Violations
Drivers with violations on their driving record typically pay more than those with none, though options do exist to have some violations expunged — including taking a safe driver course. Drivers with no violations pay annual premiums of $1,451 through Southern Farm Bureau — the cheapest car insurance option in Baton Rouge for those unaffiliated with the military. Drivers with a speeding ticket on their record can expect to pay $185 more per year while those involved in an at-fault accident pay $389 more.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.Southern Farm Bureau$1,636$1,840$1,901
Average Cost of Car Insurance by Postal Code
Believe it or not, the part of Baton Rouge in which you live can also affect your insurance premiums. Drivers living in the 70810 neighborhood pay the lowest average rates at $2,268 per year. Those who reside in the 70816 ZIP code pay the most at $2,455 — a difference of $187 annually.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Baton Rouge
In addition to individual driver needs and history, location-specific factors like the rate of fatal accidents and the percentage of uninsured motorists also contribute to car insurance rates in Baton Rouge. How Baton Rouge ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Baton Rouge are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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