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.
Cheapest and Best Car Insurance in Baton Rouge
Cheapest Minimum Liability Car Insurance in Baton Rouge
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.
Cheapest Full Coverage Car Insurance in Baton Rouge
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.
Cheapest Car Insurance in Baton Rouge After a Driving Offense
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.
Cheapest Car Insurance in Baton Rouge for Teens and Their Families
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.
Cheapest Car Insurance in Baton Rouge for Military Drivers
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.
How to Compare Cheap Baton Rouge Car Insurance Quotes Online
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.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Baton Rouge: Summary
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.
Best Overall Car Insurance in Baton Rouge
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.
Cheapest rates out of eight providers
Fourth-highest marks in service quality
Offers common coverages like emergency roadside service
Offers limited unique coverages
Claims processing is somewhat average
State Farm has strong scores in customer service and affordability, which means that you don’t need to sacrifice service quality for cheaper rates. Its monthly premiums in Baton Rouge cost approximately $117. The provider offers coverage for emergency roadside service, plus car rental and travel expenses. Aside from these add-ons, State Farm doesn’t offer other coverages that most drivers can use.
If you’re renting a car and get into an at-fault accident, State Farm can cover meal, lodging and transportation expenses up to $500. Policyholders can also customize with emergency roadside service to anticipate possible breakdowns or accidents. This add-on pays for some mechanical labor, towing and the delivery of gas, tires, oil or a new battery. You’re even covered for locksmith labor for up to one hour if you get locked out of your vehicle.
Best Car Insurance in Baton Rouge for Customer Service
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.
Scored above-average in customer service
Offers the most affordable quotes out of eight companies
Claims management ratings are worse than average
Only basic coverages available
You can anticipate exceptional service quality with State Farm. According to a 2022 J.D. Power study on customer satisfaction, State Farm earned sixth place out of 16 companies in the southeast region. One disadvantage is that it offers few add-on coverages beyond emergency roadside assistance and car rental and travel expenses.
Car rental and travel expenses coverage can offset costs if you’re found at fault in an accident while driving a rented vehicle. It pays for meals, accommodation and transportation expenses up to $500. It also includes repayment of a $500 deductible. Consider purchasing this add-on if you travel frequently and prefer to pay extra for peace of mind. With emergency roadside assistance, policyholders are covered for towing, delivery of tires or gas and locksmith services. This supplementary coverage offers access to help with one phone call.
Best Cheap Car Insurance Companies in Baton Rouge
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.
Cheapest option out of eight providers, with policies that cost $631 per year
Landed fourth place in customer satisfaction
Discounts including Anti-Theft Device, Passive Restraint and Drive Safe & Save
Pay-in-full discount not available
Worse-than-average claims handling
State Farm policyholders don’t have to spend more to get excellent customer service. State Farm also provides several discounts that virtually all Baton Rouge drivers can use, which can further reduce premiums.
In addition to the usual discounts — such as bundling multiple policies or insuring more than one vehicle with State Farm — another useful discount is Drive Safe & Save, which offers an initial 5% discount that can increase to 30% based on your driving behavior. Baton Rouge drivers with a qualifying anti-theft device may also lower their rates. With the Passive Restraint discount, drivers with a passive restraint system that meets federal safety standards, such as airbags, can also get a discount.
Average Cost of Car Insurance in Baton Rouge
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.
About Mark Fitzpatrick
- J.D. Power. "2022 U.S. Auto Insurance Study." Accessed February 8, 2023.