bestauto insuranceBaton Rouge2022Compare the Cheapest Car Insurance Quotes in Baton Rouge, LA
Car insurance costs an average of $2,361 per year in Baton Rouge. That’s $680 less than the statewide average premium. The most affordable and widely available insurer is Southern Farm Bureau, at $1,451 per month. MoneyGeek studied the cheapest insurers in the city across various driving profiles and coverage amounts. Using the scores while shopping for quality and affordable car insurance can help you find the best insurer for your profile.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 7/27/2022
Written By |
Mark Fitzpatrick
On average, Southern Farm Bureau offers the cheapest auto insurance rates in Baton Rouge, including for a state minimum policy or with a ticket. USAA may be best for military families. Considering quality service and affordability, MoneyGeek found GEICO is the best in Baton Rouge. Your profile and coverage needs determine the best insurer for you.
bestauto insuranceBaton Rouge2022The Cheapest and Best Car Insurance in Baton Rouge
Cheapest Overall - Southern Farm Bureau
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Southern Farm Bureau
Best Overall - GEICO
The Cheapest Car Insurance Companies in Baton Rouge
On average, the cheapest full coverage car insurance in Baton Rouge is available from:
- Southern Farm Bureau: $1,451 per year
- State Farm: $1,959 per year
USAA has the cheapest full coverage policy rate at around $1,404 annually but is only for current and former military members in Baton Rouge.
More expensive than Southern Farm Bureau, by about 150%, is AAA at $3,630 per year — it’s the most expensive full coverage policy in Baton Rouge.
A full coverage policy has comprehensive and collision insurance plus liability coverage. How much liability you choose determines the premium.
Cheapest Car Insurance in Baton Rouge
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,404
- 2.Southern Farm Bureau$1,451
- 3.$1,959
- 4.$2,067
- 5.$2,130
MoneyGeek collected averages for car insurance in Baton Rouge using a sample 40-year-old male driver with a full coverage policy, as our methodology explains.
A full coverage policy costs more than minimum coverage because it has liability and additional valuable coverages that protect your car from damage:
- Collision insurance: covers damage from a collision
- Comprehensive insurance: covers non-collision-related damage, vandalism, theft, etc.
Car owners with old vehicles may pay more than their car’s value with full coverage. A liability-only or minimum coverage policy may be better for them and cheaper.
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 for Minimum Coverage
In Baton Rouge and elsewhere, the coverage amount you choose dictates how much you pay for car insurance, among other factors. If you purchase a minimum liability policy, you will pay an average of $1,085 per year. However, if you choose a full coverage policy with higher limits, you will pay around $2,361 per year, which is $1,276 higher than the state minimum coverage cost.
Cheapest Minimum Liability Car Insurance in Baton Rouge
State Minimum
- CompanyState Minimumper year
- 1.$667
- 2.Southern Farm Bureau$701
- 3.$907
- 4.$930
- 5.$1,016
A state minimum policy may be the cheapest and a budget-friendly option in Baton Rouge, but it offers the least protection. In Louisiana, a minimum coverage policy has 15/30/25 liability limits. The low rate and coverage may backfire and cost you more in an at-fault accident.
For example, if you cause medical expenses of $25,000 for the other driver, the policy covers $15,000. You pay the remaining $10,000.
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.
Cheapest Car Insurance in Baton Rouge if You Have Driving Violations
A violation, such as a DUI, ticket or at-fault accident, makes your car insurance rate higher in Baton Rouge. Depending on the violation, the most affordable insurance in Baton Rouge is from:
- Cheapest after a ticket: Southern Farm Bureau, $1,636 average per year
- Cheapest after an at-fault accident: Southern Farm Bureau, $1,840 average per year
- Cheapest after a DUI: Southern Farm Bureau, $1,901 average per year
While not the cheapest, USAA has competitive rates after a DUI or ticket for eligible active military and veterans.
You can lower your rate in Baton Rouge over time by improving your poor record. For now, save by comparing quotes to find the cheapest rate after a violation.
Cheapest Car Insurance in Baton Rouge With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.Southern Farm Bureau$1,636
- 2.$1,763
- 3.$2,102
- 4.$2,572
- 5.$2,698
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.
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.
The Best Car Insurance Companies in Baton Rouge
MoneyGeek evaluated the best auto insurance providers in Baton Rouge based on claims ratings, user satisfaction and average premiums. The top-rated insurance companies in Baton Rouge are:
- State Farm: MoneyGeek score of 83.4 out of 100
- GEICO: MoneyGeek score of 76.8 out of 100
On the lower end of the ranking are AAA, with a MoneyGeek score of 23.6 and Progressive, with a score of 30.8.
1
GEICO
Score:85
GEICO comes in second in MoneyGeek’s analysis of the best auto insurance providers in Baton Rouge. A full coverage policy for a typical 40-year-old driver costs $2,067 per year. GEICO offers several add-on coverages.
More About GEICO
The company’s mechanical breakdown option provides better coverage than the standard dealer extended warranty at a lower price. Cars must be less than 15 months old with no more than 15,000 miles. GEICO also offers mechanical breakdown, accident forgiveness and rental car/travel reimbursement coverages.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:83
State Farm has a 4 out of 5 claims rating and a 4.5 out of 5 customer satisfaction rating. It scores 4 out of 5 for affordability, offering Baton Rouge drivers a full coverage policy for $1,959 annually. State Farm provides rideshare insurance, a unique add-on feature.
More About State Farm
Baton Rouge’s drivers can select four State Farm add-on coverages, including roadside assistance. The company’s rideshare insurance is a valuable option for persons who work for companies like Uber and Lyft. It extends all coverages from your auto policy when the app is on, and you’re available for hire. Once you match with a rider or are transporting someone, all coverages except liability insurance remain in effect.
Read MoneyGeek's State Farm auto Insurance ReviewAverage 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
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.
About the Author
