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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.

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2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$631

$53

State Farm

$683

$57

Louisiana Farm Bureau

$755

$63

State Farm

$769

$64

GEICO

$786

$66

GEICO

$808

$67

GEICO

$875

$73

Progressive

$909

$76

Louisiana Farm Bureau

$988

$82

AAA

$1,054

$88

Progressive

$1,093

$91

Progressive

$1,150

$96

AAA

$1,195

$100

Louisiana Farm Bureau

$1,228

$102

AAA

$1,335

$111

State Farm

$1,408

$117

Allstate

$1,469

$122

State Farm

$1,471

$123

Allstate

$1,493

$124

Louisiana Farm Bureau

$1,503

$125

Allstate

$1,585

$132

State Farm

$1,769

$147

Louisiana Farm Bureau

$1,883

$157

GEICO

$2,142

$179

GEICO

$2,182

$182

GEICO

$2,314

$193

Louisiana Farm Bureau

$2,354

$196

Progressive

$2,537

$211

AAA

$2,600

$217

Progressive

$2,945

$245

AAA

$2,945

$245

Progressive

$3,259

$272

AAA

$3,290

$274

Allstate

$3,830

$319

Allstate

$3,870

$323

Allstate

$4,112

$343

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.

Company
Annual Premium
Monthly Premium

State Farm

$631

$53

State Farm

$683

$57

Louisiana Farm Bureau

$755

$63

State Farm

$769

$64

GEICO

$786

$66

GEICO

$808

$67

GEICO

$875

$73

Progressive

$909

$76

Louisiana Farm Bureau

$988

$82

AAA

$1,054

$88

Progressive

$1,093

$91

Progressive

$1,150

$96

AAA

$1,195

$100

Louisiana Farm Bureau

$1,228

$102

AAA

$1,335

$111

State Farm

$1,408

$117

Allstate

$1,469

$122

State Farm

$1,471

$123

Allstate

$1,493

$124

Louisiana Farm Bureau

$1,503

$125

Allstate

$1,585

$132

State Farm

$1,769

$147

Louisiana Farm Bureau

$1,883

$157

GEICO

$2,142

$179

GEICO

$2,182

$182

GEICO

$2,314

$193

Louisiana Farm Bureau

$2,354

$196

Progressive

$2,537

$211

AAA

$2,600

$217

Progressive

$2,945

$245

AAA

$2,945

$245

Progressive

$3,259

$272

AAA

$3,290

$274

Allstate

$3,830

$319

Allstate

$3,870

$323

Allstate

$4,112

$343

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.

Company
Annual Premium
Monthly Premium

State Farm

$731

$61

State Farm

$731

$61

State Farm

$792

$66

State Farm

$792

$66

State Farm

$804

$67

State Farm

$872

$73

Louisiana Farm Bureau

$888

$74

State Farm

$891

$74

State Farm

$891

$74

State Farm

$980

$82

Louisiana Farm Bureau

$992

$83

GEICO

$998

$83

GEICO

$1,056

$88

Louisiana Farm Bureau

$1,079

$90

Louisiana Farm Bureau

$1,161

$97

Progressive

$1,178

$98

GEICO

$1,269

$106

Louisiana Farm Bureau

$1,297

$108

GEICO

$1,332

$111

GEICO

$1,386

$115

Progressive

$1,390

$116

Louisiana Farm Bureau

$1,410

$118

Progressive

$1,425

$119

Louisiana Farm Bureau

$1,444

$120

Progressive

$1,562

$130

State Farm

$1,610

$134

State Farm

$1,610

$134

Louisiana Farm Bureau

$1,612

$134

AAA

$1,612

$134

Progressive

$1,623

$135

Allstate

$1,651

$138

GEICO

$1,659

$138

AAA

$1,660

$138

Allstate

$1,678

$140

State Farm

$1,689

$141

State Farm

$1,689

$141

Progressive

$1,708

$142

GEICO

$1,723

$144

Louisiana Farm Bureau

$1,753

$146

State Farm

$1,757

$146

Louisiana Farm Bureau

$1,760

$147

AAA

$1,825

$152

Progressive

$1,829

$152

AAA

$1,833

$153

Allstate

$1,842

$153

State Farm

$1,848

$154

Allstate

$1,874

$156

AAA

$1,881

$157

Allstate

$1,904

$159

Allstate

$1,926

$160

Allstate

$1,937

$161

Progressive

$1,938

$161

GEICO

$1,956

$163

Louisiana Farm Bureau

$1,972

$164

State Farm

$2,026

$169

State Farm

$2,026

$169

AAA

$2,041

$170

Allstate

$2,054

$171

AAA

$2,076

$173

AAA

$2,103

$175

Louisiana Farm Bureau

$2,125

$177

Louisiana Farm Bureau

$2,206

$184

State Farm

$2,212

$184

Progressive

$2,229

$186

AAA

$2,321

$193

Allstate

$2,321

$193

GEICO

$2,471

$206

Louisiana Farm Bureau

$2,472

$206

Louisiana Farm Bureau

$2,668

$222

GEICO

$2,728

$227

Louisiana Farm Bureau

$2,760

$230

GEICO

$2,929

$244

Louisiana Farm Bureau

$3,095

$258

Progressive

$3,291

$274

Louisiana Farm Bureau

$3,340

$278

GEICO

$3,427

$286

GEICO

$3,600

$300

GEICO

$3,816

$318

Progressive

$3,840

$320

AAA

$3,846

$321

AAA

$3,956

$330

Progressive

$4,035

$336

Progressive

$4,179

$348

Allstate

$4,291

$358

AAA

$4,341

$362

AAA

$4,355

$363

AAA

$4,481

$373

GEICO

$4,498

$375

Progressive

$4,551

$379

Allstate

$4,604

$384

Allstate

$4,611

$384

GEICO

$4,636

$386

Progressive

$4,675

$390

Allstate

$4,700

$392

Allstate

$4,808

$401

Progressive

$4,845

$404

AAA

$4,868

$406

Allstate

$4,886

$407

AAA

$4,917

$410

AAA

$5,007

$417

Allstate

$5,052

$421

Allstate

$5,164

$430

GEICO

$5,304

$442

Progressive

$5,405

$450

AAA

$5,495

$458

Allstate

$5,599

$467

Progressive

$5,870

$489

GEICO

$6,538

$545

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$2,811

$4,165

State Farm

$3,102

$4,597

State Farm

$3,135

$4,532

State Farm

$3,229

$5,430

State Farm

$3,338

$4,947

State Farm

$3,468

$5,841

State Farm

$3,520

$5,089

State Farm

$3,708

$6,233

State Farm

$3,864

$5,585

State Farm

$3,921

$7,359

State Farm

$3,926

$6,612

State Farm

$4,141

$6,857

State Farm

$4,430

$8,328

State Farm

$4,797

$7,943

State Farm

$4,797

$9,031

GEICO

$4,961

$4,523

State Farm

$5,019

$9,435

State Farm

$5,048

$10,707

GEICO

$5,059

$6,585

GEICO

$5,072

$5,067

Allstate

$5,188

$6,086

Allstate

$5,344

$6,277

State Farm

$5,497

$10,287

GEICO

$5,665

$6,893

GEICO

$5,914

$6,077

GEICO

$5,924

$5,401

Progressive

$5,938

$7,331

GEICO

$6,055

$6,363

GEICO

$6,062

$6,057

Allstate

$6,247

$7,742

State Farm

$6,248

$11,692

State Farm

$6,284

$13,300

Progressive

$6,289

$7,691

GEICO

$6,356

$5,795

Allstate

$6,433

$7,982

GEICO

$6,439

$6,433

Progressive

$6,536

$8,070

Allstate

$6,600

$7,742

Allstate

$6,600

$7,742

Progressive

$6,770

$8,280

Allstate

$6,796

$7,982

Allstate

$6,796

$7,982

GEICO

$6,907

$10,576

Allstate

$6,930

$8,039

Progressive

$7,005

$10,171

Progressive

$7,008

$10,712

Progressive

$7,024

$9,528

GEICO

$7,214

$19,734

Progressive

$7,245

$8,860

GEICO

$7,266

$10,262

Progressive

$7,309

$9,023

Progressive

$7,410

$11,538

Allstate

$7,508

$8,729

GEICO

$7,537

$9,811

GEICO

$7,642

$18,276

GEICO

$7,700

$9,369

Allstate

$7,778

$9,021

Allstate

$7,856

$10,278

Allstate

$8,542

$9,930

Allstate

$8,574

$11,244

Progressive

$8,643

$37,613

Allstate

$8,921

$11,026

Progressive

$8,940

$16,168

Allstate

$9,011

$11,136

GEICO

$9,071

$29,568

GEICO

$9,189

$25,136

Progressive

$9,207

$40,532

Progressive

$9,235

$14,117

Progressive

$9,272

$40,207

Allstate

$9,437

$12,828

Progressive

$9,585

$17,890

GEICO

$9,710

$23,221

GEICO

$9,766

$28,574

Progressive

$9,819

$42,911

Progressive

$9,855

$15,346

Progressive

$9,936

$43,240

Allstate

$10,294

$13,258

Progressive

$10,505

$46,247

Allstate

$10,506

$13,530

Allstate

$10,724

$14,645

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.

Company
Annual Premium
Monthly Premium

USAA

$538

$45

State Farm

$631

$53

USAA

$639

$53

USAA

$661

$55

State Farm

$683

$57

Louisiana Farm Bureau

$755

$63

State Farm

$769

$64

GEICO

$786

$66

GEICO

$808

$67

GEICO

$875

$73

Progressive

$909

$76

Louisiana Farm Bureau

$988

$82

AAA

$1,054

$88

Progressive

$1,093

$91

Progressive

$1,150

$96

USAA

$1,158

$96

AAA

$1,195

$100

Louisiana Farm Bureau

$1,228

$102

USAA

$1,301

$108

AAA

$1,335

$111

State Farm

$1,408

$117

USAA

$1,449

$121

Allstate

$1,469

$122

State Farm

$1,471

$123

Allstate

$1,493

$124

Louisiana Farm Bureau

$1,503

$125

Allstate

$1,585

$132

State Farm

$1,769

$147

Louisiana Farm Bureau

$1,883

$157

GEICO

$2,142

$179

GEICO

$2,182

$182

GEICO

$2,314

$193

Louisiana Farm Bureau

$2,354

$196

Progressive

$2,537

$211

AAA

$2,600

$217

Progressive

$2,945

$245

AAA

$2,945

$245

Progressive

$3,259

$272

AAA

$3,290

$274

Allstate

$3,830

$319

Allstate

$3,870

$323

Allstate

$4,112

$343

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

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USAA

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.

State Farm

pros

Cheapest rates out of eight providers

Fourth-highest marks in service quality

Offers common coverages like emergency roadside service

cons

Offers limited unique coverages

Claims processing is somewhat average

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

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.

State Farm

pros

Scored above-average in customer service

Offers the most affordable quotes out of eight companies

cons

Claims management ratings are worse than average

Only basic coverages available

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

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.

State Farm

pros

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

cons

Pay-in-full discount not available

Worse-than-average claims handling

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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