Most car insurance companies use location as one of many factors to determine the cost of auto coverage. In Baton Rouge, finding the right car insurance can save you money on your premium today and protect your vehicle and finances in the event of an accident. Compare personalized quotes from different insurers to find the best rates in Baton Rouge for coverage that meets your needs.
Compare the Cheapest Car Insurance Quotes in Baton Rouge, LA
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
- Home
- The Best Cheap Car Insurance in Baton Rouge
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.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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.
Visit these guides to learn more:
Louisiana Minimum Liability Requirements
| Item | Description |
|---|---|
| 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
| Company | State Minimumper year | 50 / 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
| Company | 50 / 100 / 50per year | 100 / 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 |
Compare Auto Insurance Rates
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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.
| Company | Speeding Ticketper year | At-Fault Accidentper year | DUIper 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 Code | State Minimumper year |
|---|---|
| 70810 | $2,268 |
| 70816 | $2,455 |
Insurance Providers That Serve Baton Rouge
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.
Shopping around for car insurance in Baton Rouge could save you $911, which is enough to buy:
304Cups of Coffee
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.