Cheapest and Best Car Insurance in Baton Rouge, LA (2023)

Although the cheapest insurer for you depends on your driver profile and needs, drivers from Baton Rouge should consider State Farm when shopping for auto insurance. This provider offers the best and cheapest policies for minimum and full coverage, with top-notch customer service at a fair price. It’s also the least expensive pick for teens and drivers with offenses. On the other hand, USAA is the most affordable option for military members and veterans.

In Baton Rouge, the following companies offer the least expensive minimum coverage policy:

• State Farm: $631 per year
• Louisiana Farm Bureau: $755 per year

Allstate has the most expensive premiums that average $1,469 per year. Location is one of the most important factors in determining insurance rates. As of October 2022, the cheapest auto insurance in Louisiana is Louisiana Farm Bureau — its policies cost roughly $484 per year and are noticeably cheaper than State Farm quotes in Baton Rouge.

Louisiana minimum liability coverage limits include coverage for bodily injury and property damage with the following amounts:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Liability-only insurance covers the cost of damages to the other driver plus any of their passengers in an accident. If you are at fault in an accident and have minimum coverage in Louisiana, your insurance company would cover medical expenses for each individual up to $15,000, with a maximum of $30,000 per incident (regardless of the number of injured passengers). Other costs would be out of pocket.

Baton Rouge drivers can find the cheapest full coverage policies from:

• State Farm: $1,408 per year
• Louisiana Farm Bureau: $1,503 per year

At roughly $3,830 per year, Allstate has the priciest rates in the city. Compared to the cheapest full coverage car insurance in Louisiana — which Louisiana Farm Bureau offers at $1,015 per year — the most affordable rates in Baton Rouge cost $360 more as of October 2022.

You can increase the limits of liability-only insurance by including comprehensive and collision insurance, also known as full coverage.

• Collision Insurance: Covers damages to your vehicle resulting from an accident, such as a crash with another car or object.
• Comprehensive Insurance: Helps pay for damages to your car caused by non-accident events like theft or severe weather.

Having a full coverage policy may not be necessary for older vehicles, as paying hundreds of dollars more per year may not be worth it.

Drivers with an offense on their record will find that State Farm offers the most affordable auto insurance premiums:

• Speeding ticket: State Farm ($1,610 per year)
• At-fault accident: State Farm ($1,757 per year)
• DUI: State Farm ($1,610 per year)

Allstate has the most expensive quotes for drivers with a speeding ticket ($4,700 per year) and for those with an at-fault accident on their record ($4,291 per year). For drivers with a DUI, GEICO has the priciest annual premiums, costing roughly $5,304. Driving offenses can significantly raise insurance rates — the lowest company rates for drivers with poor records are often much more expensive than premiums for drivers with no violations.

Premiums usually go up for more severe offenses, as well. In Baton Rouge, the cheapest car insurance we found after an at-fault accident is $147 more per year than after a speeding ticket. Different options are available to help you select the cheapest car insurance with a poor driving record.

The most affordable car insurance companies for teen drivers on a family policy in Baton Rouge are:

• State Farm: $5,048 per year for female teens; $6,284 per year for male teens
• GEICO: $9,071 per year for female teens; $9,766 per year for male teens

Progressive charges the most expensive rates on a family policy for female teens at roughly $9,437 per year, while an Allstate policy costs $10,724 per year for male teens.

With State Farm, male teen drivers pay $1,236 more than their female counterparts. Rates for male teenagers are generally more expensive because they are considered riskier to insure. You can expect rates to drop when they reach early adulthood.

Rates for teen drivers tend to be more expensive if they purchase their own policy. In Baton Rouge, the average rate for a teen male is $10,892 per year, whereas adding them to a family policy costs $6,125 per year. That’s a whopping $4,767 difference. You can save thousands of dollars by comparing the best and cheapest car insurance for teens.

Drivers with a military background can find cheap military car insurance with the following carriers:

• USAA: $1,158 per year
• State Farm: $1,408 per year

These rates reflect a full coverage policy. The cost of annual minimum coverage car insurance is $538 with USAA and $631 with State Farm.

Obtaining car insurance quotes online can be time-consuming, especially when you need to input lots of personal information. MoneyGeek's car insurance calculator streamlines the process for you and generates estimates according to your age, vehicle type, driving record and desired coverage level.

Affordability, service quality, coverage and related factors can influence how you choose the best auto insurance. We highlighted the best provider based on what you might need:

• Best overall: State Farm (MoneyGeek score 76 out of 100)
• Best for service: State Farm (MoneyGeek score 58 out of 100)
• Best cheap: State Farm (MoneyGeek score 78 out of 100)

MoneyGeek scores vary depending on how we adjusted the weighting of factors, like service, in each category. As a clear winner in all categories, it’s no surprise that State Farm is also the best car insurance company in Louisiana. Military personnel might find a great auto insurance policy with USAA. The company earned a MoneyGeek score of 85 out of 100.

We incorporated service quality and affordability to determine the best auto insurance companies in Baton Rouge:

• State Farm: MoneyGeek score 76 out of 100 ($1,408 per year)
• GEICO: MoneyGeek score 66 out of 100 ($2,142 per year)

State Farm won against eight companies because it has the most affordable premiums and scored above average in customer satisfaction.

We encourage drivers with a military background to consider USAA for auto insurance. It has a MoneyGeek score of 85 out of 100 and the most affordable rates for military members and veterans in Baton Rouge, costing $1,158 per year.

The top auto insurance companies for customer satisfaction, irrespective of cost, are:

• State Farm: MoneyGeek score 58 out of 100 ($1,408 per year)
• GEICO: MoneyGeek score 57 out of 100 ($2,142 per year)

Out of the providers for which there was sufficient data to rank, State Farm landed the top spot in service quality but has relatively average coverage offerings. It also has the cheapest rates out of eight competitors.

If you’re looking for the best balance of quality and affordability for a minimum coverage policy, we found that the best companies are:

• State Farm: MoneyGeek score 78 out of 100 ($631 per year)
• GEICO: MoneyGeek score 70 out of 100 ($786 per year)

Although minimum coverage insurance has the least expensive rates, it also offers the least amount of protection. You’re only covered for liability costs and not for damages to your own vehicle.

Location is one of many factors that can influence your auto insurance premiums. The average cost of a full coverage policy in Baton Rouge is $1,958 per year. This rate is $149 more expensive than the average cost of car insurance in Louisiana, and $693 pricier than the national average cost of car insurance as of October 2022.

These premiums reflect a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident plus $100,000 in property damage liability per accident.