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
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Average Cost of Car Insurance in Baton Rouge
Baton Rouge$2,361
Louisiana$3,041
U.S.$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.
Compare Car Insurance Rates in Baton Rouge
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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.
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- CompanyAmountper year
- 1. USAA$1,404
- 2. Southern Farm Bureau$1,451
- 3. State Farm$1,959
- 4. GEICO$2,067
- 5. MetLife$2,130
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 Car Insurance Rates in Baton Rouge
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.
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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
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
Compare Car Insurance Rates in Baton Rouge
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.
- 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
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
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 accidents 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 coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Baton Rouge
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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