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Average Cost of Car Insurance in Baton Rouge

Baton Rouge$2,361
Louisiana$3,041
US$1,424

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 Cheap Car Insurance Companies in Baton Rouge

Not all car insurance is created equally, especially when it comes to price. Drivers in Baton Rouge insured with USAA, for instance, pay average annual premiums of $1,404. Because USAA is only available to drivers affiliated with the military, Southern Farm Bureau — which offers coverage for only $47 more per year — may be the most affordable option for many motorists in Baton Rouge. Those who use AAA, meanwhile, pay average annual rates of $3,630 — a difference of 158.5%. Shopping around to find the best car insurance rates could save you thousands of dollars over the years.

Company
Amountper year
1. USAA
In 2020, USAA ranked #1 in Baton Rouge for the cheapest car insurance for the average driver.
$1,404
2. Southern Farm Bureau
In 2020, Southern Farm Bureau ranked #2 in Baton Rouge for the cheapest car insurance for the average driver.
$1,451
3. State Farm
In 2020, State Farm ranked #3 in Baton Rouge for the cheapest car insurance for the average driver.
$1,959
4. GEICO
In 2020, GEICO ranked #4 in Baton Rouge for the cheapest car insurance for the average driver.
$2,067
5. MetLife
In 2020, MetLife ranked #5 in Baton Rouge for the cheapest car insurance for the average driver.
$2,130
6. Allstate
In 2020, Allstate ranked #6 in Baton Rouge for the cheapest car insurance for the average driver.
$2,206
7. Progressive
In 2020, Progressive ranked #7 in Baton Rouge for the cheapest car insurance for the average driver.
$3,086
8. AAA
In 2020, AAA ranked #8 in Baton Rouge for the cheapest car insurance for the average driver.
$3,630

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.

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Cheapest Car Insurance in Baton Rouge by Coverage Amount

How much car insurance coverage you purchase in Baton Rouge also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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Louisiana Minimum Liability Requirements

ItemDescription
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 by Coverage Type

Liability Only
CompanyState Minimumper year50 / 100 / 50per year
1. USAA$667$907
2. Southern Farm Bureau$701$1,015
3. State Farm$907$1,256
4. GEICO$930$1,364
5. Allstate$1,016$1,451
6. MetLife$1,329$1,693
7. Progressive$1,234$1,822
8. AAA$1,479$2,234
Full Coverage
Company50 / 100 / 50per year100 / 300 / 100per year
1. USAA$1,206$1,404
2. Southern Farm Bureau$1,217$1,451
3. State Farm$1,569$1,959
4. GEICO$1,664$2,067
5. Allstate$1,874$2,206
6. MetLife$2,149$2,130
7. Progressive$2,354$3,086
8. AAA$3,018$3,630
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Cheapest Car Insurance in Baton Rouge If You Have Tickets

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
2. USAA$1,763$2,068$2,067
3. State Farm$2,102$2,245$2,102
4. Allstate$2,572$3,288$2,917
5. MetLife$2,767$3,184$4,776
6. GEICO$2,698$3,060$5,135
7. Progressive$4,195$5,519$4,701
8. AAA$4,976$5,486$5,088

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
70810$2,268
70816$2,455

Factors That Impact Insurance Costs in Baton Rouge

In addition to individual driver needs and history, location-specific factors like the rate of fatal accident 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.

accident2 icon
Most Accidents With Fatalities2nd/300
handcuffs2 icon
Most Car Thefts121st/300
uninsured icon
Most Uninsured Motorists by State20th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall16th/300
umbrella icon
Most Rainy Days106th/300

Shopping around for car insurance in Baton Rouge could save you $911, which is enough to buy:


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304Cups of Coffee
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70Months of Your Favorite Streaming Service

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 overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.