Cheap Auto Insurance Quotes in Baton Rouge, LA (2023)

State Farm, USAA, and Allstate offer the cheapest rates for full-coverage car insurance in Baton Rouge.

John Egan
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John Egan
John Egan
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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.
Courtney Mikulski
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Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
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Reviewed by
Amber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 19, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
John Egan
Written by
John Egan
John Egan
Written by
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.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 19, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

In general, Baton Rouge drivers pay a slight premium for minimum-coverage car insurance compared to other drivers in Louisiana.

Insurify data shows minimum-coverage car insurance in Baton Rouge costs an average of $394 a month, which is 7.7% more than the statewide average of $366. 

Ensuring you’ve got adequate vehicle insurance in Baton Rouge is especially important because even though Louisiana’s capital doesn’t sit along the Gulf of Mexico, it’s one of the U.S. cities most susceptible to storm surge damage caused by hurricanes.[1] Storm surge can swamp homes, businesses, and vehicles.

How much does car insurance cost in Baton Rouge?

Insurance costs vary in Baton Rouge. So it’s important to compare quotes from several insurers to nail down the best coverage for your needs at the best price.

Insurify data scientists analyzed the latest insurance rates in the city to identify the cheapest quotes in the area. The monthly average varies from $174 with Allstate to $647 with Bristol West. Rates differ based on factors such as your driving history, age, vehicle type, and more.[2]

  • State Farm offers the cheapest liability-only insurance in Baton Rouge, averaging $150 a month.

  • State Farm also offers the cheapest full-coverage insurance in Baton Rouge, averaging $198 a month.

  • National General offers the cheapest insurance for new and young drivers in Baton Rouge, averaging $356 a month.

Check Out: Cheapest Car Insurance in Louisiana

Cheapest car insurance in Baton Rouge: State Farm

In Baton Rouge, State Farm offers the cheapest car insurance, with an average monthly quote of $174. The average takes into account both liability-only policies and full-coverage policies. Factors that influence car insurance rates include your driving record, location, age, and gender, as well as the type of car you drive.[2]

The following table provides example average monthly quotes for both full-coverage and liability-only car insurance in Baton Rouge.

Insurance CompanyLiability OnlyFull Coverage
State Farm$150$198
USAA$206$272
Allstate$252$332
GEICO$259$342
Progressive$307$405
The General$307$382
Direct Auto$332$372
Kemper Specialty$339$426
Clearcover$352$437
Bristol West$629$666
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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Average cost of auto insurance in Baton Rouge

Insurify data shows the average cost of liability-only auto insurance in Baton Rouge is $394, while the average cost of full-coverage auto insurance in Baton Rouge is $455. The following table averages quote data for both types of coverage, to generate average quotes by insurer.

Insurance CompanyAverage Monthly Quote
State Farm$174
USAA$239
Allstate$292
GEICO$301
The General$344
Direct Auto$352
Progressive$356
Kemper Specialty$383
Clearcover$394
Bristol West$647
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.

Average car insurance premiums in Baton Rouge by marital status

Generally, married drivers benefit from lower average car insurance premiums for several reasons:

  • In general, married couples who live at the same residence can insure all their vehicles under one policy and get a multi-car discount.

  • Insurers generally take into account both drivers’ records, so someone with a history of accidents can benefit from their spouse’s clean record and get lower rates.

In Baton Rouge, the average cost of car insurance for a single person is $432 and for a married person is $411, according to Insurify data.

How much car insurance do you need in Baton Rouge?

In Baton Rouge and the rest of Louisiana, registered owners of vehicles (except certain commercial vehicles) must carry a minimum amount of liability coverage:

  • $15,000 per person in bodily injury liability coverage

  • $30,000 per accident in bodily injury liability coverage

  • $25,000 in property damage liability coverage[3]

These liability limits are expressed as 15/30/25.

Bodily injury liability coverage kicks in when you’re responsible for bodily injury suffered by others. Property damage liability coverage applies when you’re responsible for financial losses stemming from damage to someone else’s vehicle or property.

Under state law, knowingly driving a vehicle without insurance, being uninsured when getting into an accident, or lying about having insurance can trigger fines ranging from $500 to $1,000.[3]

In addition, driving without liability insurance may lead to any of the following:

  • Suspension or revocation of your driving privileges

  • Impounding of your vehicle

  • Revocation of your vehicle registration

  • Cancellation of your license plates[3]

People in Louisiana who may demand that you supply proof of insurance include law enforcement officers, judges, state insurance officials, vehicle inspectors, and vehicle registration workers. The state requires proof of insurance in the form of an original, photocopied, or digital insurance card, insurance policy, or policy declarations page.[4]

See More: Cheap Auto Insurance in Louisiana

Louisiana DMV information

The Louisiana Office of Motor Vehicles offers many services to residents. These include:

  • Issuing and renewing driver’s licenses and vehicle registrations

  • Providing license plates

  • Issuing and renewing state IDs

  • Supplying driving records

  • Regulating driving schools

You can do business with the Louisiana Office of Motor Vehicles online or at its offices.

Tips for getting cheap car insurance in Baton Rouge

You can follow several steps to ensure you’re buying the cheapest and best car insurance for your coverage needs in Baton Rouge:

  • Don’t pick a policy based solely on price. Make sure the coverage will meet your needs and protect you if your car is damaged. The Louisiana Department of Insurance advises that drivers shouldn’t buy a “car sight unseen just because it costs the least,” so you shouldn’t buy insurance based on the cheapest price, either.[3]

  • Bundle policies. You may be able to score a lower premium by insuring your car and home with the same company.[5] 

  • Explore discounts. Auto insurers offer a number of discounts for doing things like completing a defensive driving course, logging a low number of miles, or being affiliated with an alumni organization or another group.

  • Boost your deductible. Raising your policy deductible from $500 to $1,000, for example, can reduce your car insurance premium.[6]

  • Consider dropping comprehensive and collision coverage. If your car is older and already paid for, you may not need this coverage. However, auto lenders typically require comprehensive and collision coverage.[7]

  • Shop around. Obtain quotes from several insurance companies before choosing a policy. “Do not buy the first policy you hear about,” says the state’s Department of Insurance.[3]

Check Out: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Baton Rouge

Compared with older drivers, younger drivers typically pay more for car insurance because older drivers generally get into fewer accidents than novice drivers.[2] The following table explores how age influences car insurance costs.

Age GroupAverage Monthly Rate
Teenagers$957
Younger Than 25$601
25–29$426
30s$438
40s$341
50s$337
60s$283
70s$317
80+$239
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.

Learn More: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Baton Rouge

In Baton Rouge, National General offers the cheapest car insurance for young drivers, with an average monthly quote of $356 for a full-coverage policy.

Young drivers can cut car insurance costs in several ways, such as by maintaining a clean driving record, taking a driver’s education course, or earning a good student discount.[8] The following table provides average monthly quotes for young drivers in Baton Rouge.

Insurance CompanyAverage Monthly Quote
National General$356
Safeco$398
Kemper Specialty$482
Clearcover$492
Direct Auto$519
The General$521
Midvale Home & Auto$531
Progressive$533
Bristol West$870
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 middle-aged drivers in Baton Rouge

In Baton Rouge, National General offers the cheapest car insurance for middle-aged drivers, with an average monthly quote of $220 for a full-coverage policy.

Middle-aged drivers can trim their car insurance costs by insuring their car and home with the same company, exploring discounts, or raising their deductible.[8] Here are average monthly quotes for middle-aged residents of Baton Rouge.

Insurance CompanyAverage Monthly Quote
National General$220
Safeco$252
Direct Auto$269
The General$299
Midvale Home & Auto$353
Kemper Specialty$384
Progressive$386
Clearcover$428
Bristol West$556
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 senior drivers in Baton Rouge

Again, National General offers the cheapest car insurance for senior drivers in Baton Rouge, with an average monthly quote of $165 for a full-coverage policy.

Senior drivers may be able to lower their car insurance premiums by completing a defensive driving course, being a consistently good driver, or putting fewer miles on their car.[9] The following table provides average monthly quotes by company for senior drivers in Baton Rouge.

Insurance CompanyAverage Monthly Quote
National General$165
Direct Auto$193
The General$198
Safeco$199
Progressive$271
Clearcover$275
Midvale Home & Auto$324
Kemper Specialty$355
Bristol West$387
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.

How credit scores affect cheap car insurance in Baton Rouge

Most states, including Louisiana, allow the use of credit-based insurance scores to set car insurance rates.[10] These scores are based on your credit history, as reflected on your credit reports, and not on your traditional credit score.[11]

Car insurers use credit-based insurance scores to predict the likelihood that you’ll file a claim. Research shows that people with a solid credit history tend to do a good job of managing their finances, suggesting that they’re not as inclined to file claims. On the other hand, insurers view people with a spotty credit history as more likely to file claims.[11]

Overall, a credit score from 580 to 669 is considered fair, a score from 670 to 739 is good, a score from 740 to 799 is very good, and a score of 800 or more is considered excellent. Credit scores normally range from 300 to 850.[12]

The table below shows the average monthly quote for a full-coverage policy for drivers in Baton Rouge in the excellent, good, fair, and poor credit tiers.

Credit TierAverage Monthly Quote
Excellent$388
Good$456
Fair$501
Poor$777
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.

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Baton Rouge

Your driving behavior influences how much you pay for car insurance. For instance, you may pay more if you have a record of car accidents or serious traffic violations.[2]

Cheapest car insurance with an accident in Baton Rouge: State Farm

Having at-fault accidents on your record shows insurers that you’re a risky driver, and it affects your car insurance premium.[2] As this table shows, an at-fault accident on your record can lead to a steep increase in your car insurance premium. State Farm offers the cheapest car insurance on average for drivers with at-fault accidents, at $284 a month.

The following table provides insight into how an at-fault accident can affect insurance rates in Baton Rouge.

Insurance CompanyClean RecordAt-Fault AccidentDifference
State Farm$198$284$86
USAA$272$390$118
Allstate$332$476$144
GEICO$342$491$149
Direct Auto$372$533$161
The General$382$547$165
Progressive$405$581$176
Kemper Specialty$426$611$185
Clearcover$437$626$189
Bristol West$666$955$289
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 with a DUI in Baton Rouge: State Farm

Having a DUI conviction on your driving record can be costly and may even cause your insurance company to not renew your policy.[13] In Baton Rouge, someone with a DUI may see their monthly premium rise anywhere from $196 to $659. The table below shows how a DUI can increase insurance costs for Baton Rouge drivers.

Insurance CompanyClean RecordDUIDifference
State Farm$198$394$196
USAA$272$542$270
Allstate$332$661$329
Geico$342$681$339
Direct Auto$372$740$368
The General$382$759$377
Progressive$405$806$401
Kemper Specialty$426$848$422
Clearcover$437$869$432
Bristol West$666$1,325$659
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 with a speeding ticket in Baton Rouge: State Farm

A speeding ticket can be a fast way to bump up your car insurance premium in Baton Rouge — anywhere from $68 to $228 a month. For drivers with a speeding ticket on their records, State Farm offers the cheapest quotes on average, at $266 a month. The following table provides insight into the effect a speeding ticket can have on insurance costs for Baton Rouge drivers.

Insurance CompanyClean RecordSpeeding TicketDifference
State Farm$198$266$68
USAA$272$366$94
Allstate$332$446$114
GEICO$342$460$118
Direct Auto$372$500$128
The General$382$512$130
Progressive$405$544$139
Kemper Specialty$426$572$146
Clearcover$437$586$149
Bristol West$666$894$228
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.

Car insurance in other Louisiana cities

Here’s a look at car insurance quotes in some other Louisiana cities:

Baton Rouge driving conditions

Based on one measure, Baton Rouge benefits from a relative lack of traffic congestion.

Baton Rouge drivers wasted 28 hours in traffic in 2022, according to mobility data provider INRIX.[14] While that might sound like a lot of time, Baton Rouge ranked 308th in the world for time wasted in traffic. By comparison, Chicago landed at No. 2 worldwide, Boston at No. 4, New York City at No. 5, and New Orleans at No. 34.

TomTom, which provides traffic technology, paints a different picture of traffic conditions in Baton Rouge, though.

In 2021, Baton Rouge drivers wasted 62 hours in traffic, according to TomTom. That puts it at No. 4 in the United States[15] and No. 112 globally[16] for the worst traffic congestion — behind cities like New York City, Los Angeles, and Miami, but ahead of San Francisco, Chicago, and New Orleans.

Auto theft statistics in Baton Rouge

As of mid-October 2022, Baton Rouge witnessed a 39.5% rise in motor vehicle thefts compared to 2021, according to the Baton Rouge Police Department.[17]

This rise matches the statewide motor vehicle theft trend. In 2019, there were 233 thefts per 100,000 people in Louisiana and 266 in 2020.[18]

Find local Baton Rouge agents

  • Henry Insurance Service, Inc.

    9624 Brookline Avenue,
    Baton Rouge, LA 70809
  • Insurance & Financial Services

    3466 Drusilla Lane,
    Baton Rouge, LA 70809
  • Louisiana Insurance Center, Inc.

    5432 Superior Drive,
    Baton Rouge, LA 70816
  • First Louisiana Insurance

    18221 E Petroleum Dr,
    Baton Rouge, LA 70809-6129
  • Blumberg and Associates, Inc.

    8560 Jefferson Hwy.,
    Baton Rouge, LA 70809
  • Hays Insurance Group

    11715 Bricksome Ave.,
    Suite B8, Baton Rouge, LA 70816
  • McInnis Insurance Services, Inc.

    7814 Office Park Boulevard,
    Suite 200, Baton Rouge, LA 70809
  • Cordell Insurance llc

    8064 Summa Ave,
    Baton Rouge, LA 70809
  • Losey Insurance and Financial Services

    8550 Anselmo Ln,
    Baton Rouge, LA 70810
  • Coastal Louisiana Insurance

    1669 Lobdell Avenue,
    Baton Rouge, LA 70806
View more

Baton Rouge car insurance FAQs

Here are some answers to commonly asked questions about car insurance in Baton Rouge, Louisiana.

  • Minimum-coverage car insurance in Baton Rouge costs an average of $394 a month.

  • Louisiana law requires registered owners of vehicles (except some commercial vehicles) to carry at least:

    • $15,000 per person in liability coverage for bodily injury

    • $30,000 per accident in liability coverage for bodily injury

    • $25,000 in liability coverage for property damage[3]

  • The legal consequences of driving without insurance in Baton Rouge include fines ranging from $500 to $1,000, along with suspension or revocation of your driving privileges and other penalties.[3]

  • Insurify data shows that, based on yearly premiums, the three cheapest car insurance companies in Baton Rouge are:

    • State Farm: $2,088

    • USAA: $2,868

    • Allstate: $3,504

  • Based on our data, State Farm, USAA, and Allstate offer the cheapest car insurance premiums for Baton Rouge drivers. However, the best car insurance company for you will depend on coverage options and rates that meet your insurance needs and fit into your budget. Compare and shop quotes from multiple car insurance companies to find the best one in Baton Rouge that checks all your boxes.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Core Logic. "Hurricane Report 2022." Accessed January 13, 2023
  2. III. "What determines the price of an auto insurance policy?." Accessed January 13, 2023
  3. Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance." Accessed January 13, 2023
  4. Louisiana State Legislature. "RS 32:862 Proof of Compliance." Accessed January 13, 2023
  5. NAIC. "Bundling." Accessed January 13, 2023
  6. III. "Nine ways to lower your auto insurance costs." Accessed January 13, 2023
  7. III. "What is covered by collision and comprehensive auto insurance?." Accessed January 13, 2023
  8. III. "How to save money on car insurance." Accessed January 13, 2023
  9. III. "Senior driving safety and insurance tips." Accessed January 13, 2023
  10. Experian. "How Much Does Credit Score Affect Auto Insurance Rates?." Accessed January 13, 2023
  11. III. "Credit and insurance scores." Accessed January 13, 2023
  12. Equifax. "What is a Good Credit Score?." Accessed January 13, 2023
  13. III. "Do auto insurance premiums go up after a claim?." Accessed January 13, 2023
  14. INRIX Global Traffic Rankings. "Global Traffic Scorecard." Accessed January 13, 2023
  15. TomTom. "United States of America traffic report." Accessed January 13, 2023
  16. TomTom. "Baton Rouge traffic report." Accessed January 13, 2023
  17. Baton Rouge Police Department. "2022 BRPD Statistical Analysis through 10/11." Accessed January 13, 2023
  18. Federal Bureau of Investigation Crime Data Explorer. "Louisiana." Accessed January 13, 2023
John Egan
Written by
John Egan
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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.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.