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Cheap Auto Insurance Quotes in Baton Rouge, LA (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Baton Rouge is $367 per month, or $4404 annually.
  • Car insurance in Baton Rouge is $92 more than the average cost of car insurance in Louisiana.
  • The cheapest car insurance provider in Baton Rouge on average is National General, but you should always compare quotes to find your best personal rate.

Car Insurance in Baton Rouge, LA

The average cost of Louisiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Baton Rouge, LA to find you the cheapest quotes in the area.

Quotes by Top Companies

State Farm
$144
Allstate
$201
The General
$291
Progressive
$325

Cheapest Car Insurance in Baton Rouge, LA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in Baton RougeQuotes
State Farm$144 /mo
Allstate$201 /mo
The General$291 /mo
Progressive$325 /mo

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Average Car Insurance Cost

Louisiana Cities
New Orleans$418/mo
Shreveport$263/mo
Metairie$321/mo
Lafayette$331/mo
Baton Rouge$240/mo
Louisiana$315/mo
Baton Rouge
$240
Shreveport
$263
Average for LA
$315
Metairie
$321
Lafayette
$331
New Orleans
$418
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in LA

All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Louisiana are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liablity coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Louisiana state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Louisiana law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Louisiana is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

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

FAQs - Baton Rouge, LA Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Baton Rouge Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Baton Rouge, Louisiana below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Baton Rouge drivers measure up to their fellow motorists across Louisiana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Baton Rouge

#12

City with the Most Speeding Tickets Rank in Louisiana

#31

City with the Most Moving Violations Rank in Louisiana

#6

City with the Most DUIs Rank in Louisiana

#18

City with the Most Suspended Licenses in Louisiana

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Baton Rouge drivers rank 9 in the number of car accidents per driver across all cities in Louisiana.

    • Rank within state: #9
    • Percent of drivers in Baton Rouge with an accident: 10%
    • Drivers in Baton Rouge, LA with an accident in their driving history pay on average 42.14% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Louisiana, Baton Rouge drivers rank 12 in the number of speeding infractions per driver.

    • Rank within state: #12
    • Percent of drivers in Baton Rouge with a speeding ticket: 6.61%
    • Drivers in Baton Rouge, LA with a speeding ticket in their driving history pay on average 37.11% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Baton Rouge drivers rank 6 in the number of DUI’s per driver across all cities in Louisiana.

    • Rank within state: #6
    • Percent of drivers in Baton Rouge with a DUI: 1.47%
    • Drivers in Baton Rouge, LA with a DUI in their driving history pay on average 6.29% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Baton Rouge is the Honda Accord.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Louisiana, Baton Rouge drivers rank 6 in rude driving infractions.

    • Rank within state: #6
    • Percent of drivers in Baton Rouge with a reckless driving violation: 1.18%
    • Drivers in Baton Rouge, LA with a reckless driving violation in their driving history pay on average 28.93% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Baton Rouge drivers rank 4 in clean driving records across all cities in Louisiana.

    • Rank within state: #4
    • Percent of drivers in Baton Rouge with clean record: 83.71%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Baton Rouge drivers rank 4 in failure to yield violations per driver across all cities in Louisiana.

    • Rank within state: #4
    • Percent of drivers in Baton Rouge with a failure to yield violation: 0.29%
    • Drivers in Baton Rouge, LA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Louisiana, Baton Rouge drivers rank 7 in the number of reckless driving offenses per driver.

    • Rank within state: #7
    • Percent of drivers in Baton Rouge with a reckless driving offense: 0%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Baton Rouge drivers rank 9 in hybrid and electric vehicle ownership across all cities in Louisiana.

    • Rank within state: #9
    • Percent of drivers in Baton Rouge with a hybrid/electric vehicle: 0.43%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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