Best Cheap Auto Insurance in Baton Rouge, Louisiana (2024)
State Farm offers the cheapest car insurance in Baton Rouge, with minimum-coverage policies as low as $78 per month.
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Written byJohn Egan
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Reviewed byDaniel Roccato
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Updated November 20, 2024
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Table of contents
The overall average cost of car insurance in Baton Rouge is $229 per month — much higher than the state average of $190 and a whopping 190% higher than the national average cost of car insurance. In a city where the median household income is just $46,282 per year,[1] saving money on car insurance is critical.
Baton Rouge’s exposure to severe weather and comparatively high number of car accidents — 3,800 total in 2022[2] — contribute to the city’s car insurance rates. The city also has a high rate of fatal accidents involving drunk driving, according to a Consumer Affairs analysis of federal accident data.[3]
However, Baton Rouge drivers can still find affordable coverage by comparing car insurance quotes.
Quick Facts
The average cost of full-coverage car insurance in Baton Rouge is $295 per month.
Some Louisiana residents spend up to a quarter of their income per year on car insurance, according to the state’s commissioner of insurance.
Nearly one-fifth of fatal accidents in Baton Rouge are linked to speeding.[3]
Best car insurance companies in Baton Rouge
The best car insurance company for you might not be the one with the cheapest coverage.
“No matter how low the premium might be, an inexpensive policy does you absolutely no good if the insurance company cannot cover your claim when your car has been involved in an accident,” Jim Donelon, Louisiana’s commissioner of insurance, says in the state’s consumer guide to auto insurance.
Aside from price, you should look at factors such as coverage types, discounts, customer service ratings, and financial strength when choosing a car insurance company.
Here’s a closer look at State Farm, GEICO, and Allstate, three of Baton Rouge’s — and the nation’s — leading insurers.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $111 | $65 | Overall |
| GEICO | 9.0 | $182 | $106 | Senior Drivers |
| Allstate | 8.9 | $181 | $106 | Claims |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer overall: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $133/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
The country’s biggest auto insurer has a Superior A.M. Best rating for financial strength and a generally good reputation. State Farm also grabbed the top ranking in the J.D. Power 2023 U.S. Insurance Shopping Study for the third year in a row. In Baton Rouge, State Farm consistently offers some of the lowest insurance rates.
Pros
High J.D. Power customer satisfaction scores[4]
More than 100 years in business
Cons
Fewer discounts than some other insurers
Gap insurance not available
Best insurer for senior drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $127/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $218/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Senior citizens account for more than 14% of Baton Rouge’s population, according to U.S. Census Bureau data. GEICO, the second-largest auto insurer in the U.S., offers five discounts geared toward drivers age 50 and older, including a five-year good driving discount and a defensive driving discount. Plus, its Prime Time contract gives guaranteed renewal to drivers 50 and older who meet certain requirements. Prime Time is available in Louisiana and 29 other states.
Pros
High J.D. Power customer satisfaction scores[5]
Attractive discounts
Cons
High rates for drivers with DUIs and some other traffic violations
Gap insurance not available
Best insurer for auto insurance claims: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $127/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $217/mo |
4.0
Best choiceBased on 5647 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,072)
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
Linda
November 12, 2024
Verified Review
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate, the country’s fourth-largest car insurance company, stands out for its high score (889 out of 1,000) in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study. It ranks higher than competitors such as State Farm, GEICO, and Liberty Mutual.[5] The rate of accidents in Baton Rouge each year elevates your risk of having to file a claim — and dealing with your insurer’s claims adjusters.
Pros
High J.D. Power score for auto claims satisfaction
Pay-per-mile coverage available
Cons
Below-average J.D. Power score for shopping experience[6]
Below-average J.D. Power score for digital experience
How to get the cheapest car insurance in Baton Rouge
A number of factors go into determining the car insurance rates you’re offered, including your:
Age
Gender
Driving record
Location
Type of car
Amount of coverage
ZIP code
To increase your chances of obtaining the lowest quote possible, follow these strategies:
Compare quotes. Obtain quotes from several car insurance companies and compare them against one another.
Increase your deductible. Raising your full-coverage deductible from, say, $250 to $1,000 typically lowers your car insurance costs because you’re taking on more of the up-front risk yourself. However, be sure to never set a deductible above what you can afford should you need to file a claim.
Bundle coverage. Your insurance company might provide a discount if you buy at least two policies from them, such as car insurance and homeowners insurance.
Explore discounts. You may be able to score a discount if you maintain a clean driving record or complete a defensive driving course. You can also inquire with your company to see if they have any discount agreements with certain insurers.
Cheapest liability-only car insurance in Baton Rouge: State Farm
Liability-only car insurance, required in Louisiana and most other states, pays accident claims for damage you cause to another car or injuries you cause to other people. Liability coverage doesn’t pay for damage to your own car or injuries to you or your passengers.
The table below shows average monthly quotes for a liability-only insurance policy in Baton Rouge. State Farm has the cheapest liability car insurance at $78 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $78 |
| USAA | $98 |
| National General | $112 |
| Allstate | $127 |
| GEICO | $127 |
| Direct Auto | $140 |
| Root | $140 |
| Progressive | $151 |
| Clearcover | $194 |
| The General | $211 |
| Liberty Mutual | $222 |
| Safeco | $248 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest full-coverage car insurance in Baton Rouge: State Farm
Full-coverage car insurance combines state-required liability coverage with comprehensive and collision coverage. This breaks down as follows:
Liability coverage pays for injuries you cause to other people or damage you cause to other people’s property in a car accident.
Comprehensive coverage pays claims for non-collision damage to your car, such as damage caused by a fallen tree.
Collision coverage pays for damage to your car caused by an accident with another car or by a run-in with an object like a guardrail or utility pole.
The table below shows the average monthly quotes for full-coverage car insurance from top car insurers in Baton Rouge. Again, State Farm has the cheapest full-coverage rate at $133 a month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $133 |
| USAA | $168 |
| Allstate | $217 |
| GEICO | $218 |
| National General | $222 |
| Root | $239 |
| Progressive | $258 |
| Direct Auto | $259 |
| Clearcover | $311 |
| Liberty Mutual | $333 |
| Safeco | $367 |
| The General | $423 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Baton Rouge, Louisiana
Drivers in and around Baton Rouge, Louisiana have found policies from Safeco, GEICO, National General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Baton Rouge, Louisiana within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Baton Rouge, Louisiana within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Louisiana
Louisiana requires drivers to carry two kinds of liability coverage: bodily injury liability and property damage liability. The necessary amounts are listed in the table below.
Louisiana is also a pure comparative fault state. This means you can recover damages in court even if you were 99% at fault in a car accident. However, damage awards depend on your percentage of fault.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $25,000 per accident |
In addition to meeting the minimum coverage requirements outlined above, you may also want to consider adding the following coverages:
Collision coverage
This pays for damage to your car caused by crashing into a car or object.
Comprehensive coverage
This pays claims for non-collision damage caused to your car.
Medical payments coverage
This pays your medical bills related to an accident, regardless of who caused it.
Uninsured/underinsured motorist coverage
This coverage fills gaps created when another driver lacks car insurance or lacks sufficient car insurance.
Important Information
Louisiana has some of the lowest liability insurance requirements in the country. Keep in mind that buying only the minimum required amount could leave you financially exposed. For example, if you cause an accident and it’ll cost $36,000 to replace the other driver’s car, you could be responsible for the $11,000 above what your minimum coverage will pay.
Cheapest car insurance for drivers with an incident
A number of incidents can put a dent in your car insurance costs. These include at-fault accidents, speeding tickets, driving under the influence (DUI), and other traffic violations.
Depending on the insurer, these incidents can cause your car insurance premiums to increase. An insurer views a motorist with incidents on their record as more likely to get into an accident and file a claim in the future. This makes them potentially more expensive to insurers and, thus, more risky.
In the sections that follow, you’ll see how each incident type can affect your insurance rates.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Nearly 19% of fatal accidents in Baton Rouge involve speeding, according to Consumer Affairs’ analysis. If you have a speeding ticket on your record, a car insurance company sees you as a riskier client and will charge you accordingly. A speeding ticket can increase your premium for three years or longer.
Baton Rouge drivers with speeding tickets pay an average of $237 for liability only coverage, and $426 for full-coverage car insurance. Below, you can see the monthly rates you can expect to pay with a speeding ticket on your record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $174 | $102 |
| USAA | $221 | $129 |
| Allstate | $286 | $168 |
| GEICO | $288 | $168 |
| National General | $294 | $149 |
| Progressive | $338 | $198 |
| Root | $338 | $198 |
| Direct Auto | $342 | $185 |
| Clearcover | $413 | $258 |
| Liberty Mutual | $472 | $315 |
| Safeco | $491 | $332 |
| The General | $569 | $284 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Whether the accident was your fault or not plays a role in setting your car insurance rates. If you’re found to be at fault, your insurance company might boost your premiums. This depends on your driving record and other factors, as well as the severity of the accident.
An at-fault accident increases the overall average cost of car insurance to $348 per month. The following table provides some insight into how an accident can affect your car insurance rates in Baton Rouge.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $184 | $108 |
| USAA | $235 | $137 |
| Allstate | $303 | $177 |
| GEICO | $305 | $178 |
| National General | $310 | $156 |
| Root | $356 | $209 |
| Progressive | $363 | $212 |
| Direct Auto | $369 | $200 |
| Clearcover | $466 | $291 |
| Liberty Mutual | $494 | $330 |
| Safeco | $508 | $344 |
| The General | $601 | $300 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Insurers generally see a DUI as the most serious of driving incidents, and state laws underscore that perspective. A first conviction for driving under the influence could net you fines of up to $1,000 and jail time of up to six months in Louisiana. Penalties escalate for subsequent convictions.
If you have a DUI on your record, you should expect your rates to increase. Your monthly cost might even double, or the insurance company may drop you altogether. Drivers with a DUI pay, on average, $394 per month for car insurance in Baton Rouge, compared to $229 for those with clean driving records. Car insurance companies view motorists with a DUI as very high-risk drivers, and the monthly rates listed below reflect this.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $224 | $131 |
| USAA | $283 | $165 |
| Root | $361 | $212 |
| Allstate | $366 | $214 |
| GEICO | $367 | $214 |
| National General | $374 | $189 |
| Progressive | $435 | $254 |
| Direct Auto | $436 | $236 |
| Clearcover | $524 | $327 |
| Liberty Mutual | $561 | $374 |
| Safeco | $574 | $388 |
| The General | $713 | $355 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Age plays a role in your insurance rates as well, and senior drivers typically enjoy the lowest rates for car insurance. However, rates generally begin rising once drivers reach their 70s. This is partially because slowed reflexes make senior drivers more likely to be involved in an auto accident but also because seniors are more likely to be severely hurt if they’re in an accident.
Car insurance for senior drivers costs a monthly overall average of $181 in Baton Rouge, according to Insurify data. The following table shows examples of monthly car insurance rates senior drivers might find in Baton Rouge.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $73 | $43 |
| USAA | $104 | $60 |
| Progressive | $125 | $73 |
| National General | $129 | $65 |
| Allstate | $131 | $77 |
| GEICO | $131 | $76 |
| Direct Auto | $153 | $83 |
| Root | $164 | $96 |
| Liberty Mutual | $220 | $146 |
| Clearcover | $231 | $144 |
| Safeco | $264 | $178 |
| The General | $273 | $136 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Car insurance companies tend to charge higher rates for teen drivers due to their inexperience. Research also shows that teen drivers are more likely to get into an accident, become distracted behind the wheel, and drive recklessly.
Fortunately, if you’re the parent of a teen driver, you can take steps to reduce these high insurance costs. Consider these tips to find cheap car insurance and reduce your premium:
Compare quotes. Obtain quotes from several insurance companies so you can compare cost and coverage.
Ask about good student discounts. Many car insurance companies provide discounts for teen drivers who maintain at least a B average.
Enroll them in a driver training course. Some insurers offer discounts for teen drivers who have undergone driver training.
Keep them on your coverage. Adding a teen to your coverage is almost always cheaper than having them get coverage of their own.
Car insurance for teen drivers averages $342 per month for liability-only coverage in Baton Rouge, while the full-coverage average is $615 for teens. The following table provides examples of monthly premium costs for teen drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $254 | $149 |
| USAA | $314 | $183 |
| GEICO | $390 | $227 |
| Root | $402 | $236 |
| Allstate | $429 | $251 |
| National General | $480 | $242 |
| Progressive | $503 | $294 |
| Direct Auto | $524 | $283 |
| Clearcover | $632 | $394 |
| Liberty Mutual | $636 | $424 |
| The General | $753 | $375 |
| Safeco | $778 | $526 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Baton Rouge car insurance quotes by credit tier
In Louisiana, it’s legal for a car insurance company to review your credit report or obtain a credit-based insurance score before setting your rates.
Insurers rely on credit-based insurance scores to help determine how likely you are to file a claim. This is because drivers with excellent or good credit tend to file fewer claims than drivers with fair or poor credit.
The average credit score in Louisiana is fair (669), according to consumer credit bureau Equifax.[7] The table below shows how your credit affects the rates you’ll pay in Baton Rouge.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Baton Rouge?
Yes. Car insurance in Baton Rouge is more expensive than the state and national averages of $190 and $154 respectively.
The driving records of Baton Rouge motorists appear to contribute to the higher-than-average car insurance costs. Statistics show Baton Rouge drivers have some of the country’s highest rates of traffic fatalities, deadly DUI crashes, and speeding.[3]
The city’s proximity to the Gulf of Mexico and the severe storms that brew there likely also contribute to the city’s higher car insurance costs.
More cities in Louisiana
Car insurance in Baton Rouge falls in the middle when compared to other large Louisiana cities. Rates are lower than those paid in New Orleans, Metairie, and Lafayette and higher than in Monroe and Shreveport.
City ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Lafayette | $240 | $146 |
| Metairie | $263 | $170 |
| New Orleans | $288 | $172 |
| Shreveport | $230 | $119 |
| Slidell | $249 | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Baton Rouge car insurance FAQs
If you’re shopping for car insurance in Baton Rouge, this additional information may help as you research your coverage options.
How much is car insurance in Baton Rouge?
The average cost for car insurance in Baton Rouge is $229 per month. Costs are high in Baton Rouge because of the potential for weather-related events and the number of poor drivers in the area.
What is the cheapest car insurance company in Baton Rouge?
Baton Rouge drivers will find the lowest rates from $State Farm, with an average liability-only cost of $78 per month. $USAA and $National General also offer cheap rates in the city, with monthly liability averages of $98 and $112, respectively.
What are the best car insurance companies in Baton Rouge?
State Farm, GEICO, and Allstate rank as the top insurers in Baton Rouge. Not only do these insurers offer some of the lowest car insurance rates available, but all three boast a high Insurify Quality (IQ) Score, with State Farm at 9.3, GEICO at 9.0, and Allstate at 8.9. These insurers have also earned high marks for their financial stability, discounts offered, and customer service.
Why does Louisiana have such high car insurance?
Insurance rates are high in Louisiana for several reasons. Like Florida, Louisiana has the potential for hurricanes and this affects its rates. In addition, cities like Baton Rouge have a high number of incident claims for speeding and at-fault accidents.
What type of car insurance is required in Louisiana?
In Louisiana, you’re required to carry minimum liability coverage amounting to $15,000 per person and $30,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Louisiana
Sources
- U.S. Census Bureau. "Baton Rouge Quick Facts."
- Louisiana State University Center for Analytics & Research in Transportation Safety. "Accident Data."
- Consumer Affairs. "Worst drivers in America."
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds."
- J.D. Power. "Auto Insurance Shopping and Switch Rates Reach New Highs as Premiums Surge, J.D. Power Finds."
- Equifax. "What is the Average Credit Score by State?."
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John Egan
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
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