The average cost of full coverage car insurance in Baton Rouge is $3,082, which is $551 more expensive than the statewide average in Louisiana, and even more expensive the nationwide average.
However, even in a city with high average rates, there are always ways to save money on car insurance. Policygenius can help you compare quotes from top car insurance companies so you can find your most affordable option.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Baton Rouge, LA
Two different companies can look at the same driver with the same information (age, driving history, ZIP code) and come up with different rates, which is why you need to compare quotes from different companies in order to find your most affordable option.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $138/month | 890 |
State Farm | $159/month | 882 |
Farm Bureau | $209/month | -- |
MetLife | $252/month | -- |
GEICO | $276/month | 874 |
Safeway Insurance | $276/month | -- |
Cheapest car insurance rates by ZIP code in Baton Rouge, LA
Where you live plays a big role in determining your premiums. Your insurance company wants to know where the car will be most of the time. And any reports of car theft or vandalism, accidents and claims, and even average repair costs in your neighborhood will all affect that you’ll pay for coverage.
ZIP code | Average cost |
|---|---|
70808 | $2,788 |
70820 | $2,880 |
70827 | $2,894 |
70809 | $2,899 |
70803 | $2,908 |
70810 | $2,921 |
70836 | $2,996 |
70816 | $3,055 |
70819 | $3,082 |
70801 | $3,089 |
Choosing the right car insurance company in Baton Rouge, LA
Insurance companies look at a multitude of factors when determining your rate, and each company has their own formula to interpret that data into your insurance premiums. Comparing quotes from different companies is really the only way to ensure that you are getting the best possible rate on your car insurance.
Policygenius can show you options from top car insurance companies and help you find a policy that meets your needs, so you can feel confident you’re making the right choice.
Car insurance rates for drivers with driving violations in Baton Rouge, LA
Any recent accidents or moving violations will raise your rates, and multiple serious violations may find it difficult to find coverage at all. The best thing you can do after a violation, whether it’s a speeding ticket or an at-fault accident, is to work to keep your driving record clean so the violations will fall off in a few years.
Violation | State Farm | USAA | Farm Bureau | Safeway Insurance | MetLife | GEICO |
|---|---|---|---|---|---|---|
At-fault accident | $2,236 | $2,532 | $3,424 | $4,316 | $5,321 | $6,210 |
Suspended license | $2,078 | $2,606 | $3,048 | $4,610 | $9,472 | $8,244 |
Open container | $2,078 | $2,314 | $3,535 | $3,732 | $4,336 | $7,076 |
Expired registration | $2,078 | $2,224 | $3,048 | $3,584 | $4,336 | $4,236 |
Driving without lights | $2,078 | $2,224 | $3,048 | $3,584 | $4,336 | $4,236 |
Running a red light | $2,078 | $2,224 | $3,048 | $3,584 | $4,336 | $4,236 |
Following too closely | $2,078 | $2,224 | $3,048 | $3,584 | $4,336 | $4,236 |
Hit and run | $2,078 | $2,878 | $3,535 | $4,610 | $7,685 | $7,834 |
Not-at-fault accident | $1,921 | $1,739 | $2,707 | $3,495 | $3,221 | $3,607 |
Passing a school bus | $2,078 | $2,314 | $3,048 | $3,584 | $4,336 | $4,236 |
Reckless driving | $2,078 | $2,314 | $3,535 | $4,610 | $7,685 | $7,834 |
Cheapest car insurance for drivers with a DUI in Baton Rouge, LA
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $2,078 |
USAA | $2,746 |
Farm Bureau | $3,535 |
Safeway Insurance | $4,610 |
GEICO | $7,076 |
MetLife | $7,685 |
Cheapest car insurance for drivers with a speeding ticket in Baton Rouge, LA
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $2,078 |
USAA | $2,224 |
Farm Bureau | $3,048 |
Safeway Insurance | $3,584 |
GEICO | $7,076 |
MetLife | $7,685 |
Cheapest car insurance for drivers with bad credit in Baton Rouge, LA
Your credit score is available to insurance companies when calculating your rate, and most insurance companies will use it as a factor. The lower your score, the higher your premiums, so if you know you have poor credit, it’s all the more important to shop around and compare coverage before you buy a policy.
Company | Rates for drivers with bad credit |
|---|---|
USAA | $2,772 |
Safeway Insurance | $3,495 |
Farm Bureau | $4,824 |
GEICO | $4,983 |
Progressive | $5,939 |
Buying car insurance in Baton Rouge, LA
All Louisiana drivers are required to have a minimum amount of liability coverage. The minimum amounts required by the state are:
Bodily injury liability coverage per person: $15,000
Bodily injury liability coverage per accident: $30,000
Property damage liability coverage: $25,000
Louisiana is an at-fault state, meaning that the driver determined to be at fault for an accident, along with their insurance company, will be financially responsible for the other party’s repair bills or medical expenses. It is a good idea to carry additional coverage beyond the state minimums, as the minimum amount may not be enough to cover some accidents.
How to get cheap car insurance in Baton Rouge, LA
Taking advantage of available discounts is one of the best ways to insure you’re getting the lowest rates possible on your car insurance. Some of the most common car insurance discounts include:
Bundling discount: Drivers who have car, home, and other insurance policies with the same company can save on all of them
Safe driver discount: For drivers with a clean driving record
Good student discount: For young drivers who maintain a high GPA
Low mileage discount: For drivers with a low annual mileage
Military discount: Both active duty service members and veterans are often eligible for discounts
By comparing rates, you can still find the least expensive insurance for you, even if you don’t qualify for any discounts.
Frequently asked questions
Why does Louisiana have high car insurance costs?
Louisiana has expensive insurance rates for a number of reasons, but one of the biggest contributing factors is the high rate of drivers who are uninsured or carry only the minimum levels of liability coverage. Because of this, many people have to go to court after an accident to get compensated for any damage caused after an accident.
Does Louisiana have high car insurance?
Yes, drivers in Louisiana pay an average of $2,531 per year for car insurance, which is $893 higher per year than the national average cost of coverage.
How many drivers in Louisiana are uninsured?
According to the Insurance Information Institute, 11.7% of drivers in Louisiana were uninsured in 2019. This means that adding uninsured motorist coverage to your insurance policy could help protect you in an accident with an uninsured driver.
How much is car insurance per month in Louisiana?
The monthly cost of car insurance in Louisiana is $211, or $2,531 per year. Drivers in Baton Rouge pay an average of $257 per month, making it even more expensive than the statewide mean.
