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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Car insurance in other Louisiana cities

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

• Cheapest Car Insurance Quotes in Lafayette, LA

• Cheapest Car Insurance Quotes in Lake Charles, LA

• Cheapest Car Insurance Quotes in Bossier City, LA

• Cheapest Car Insurance Quotes in Kenner, LA

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]

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