The best car insurance in Baton Rouge, LA

Meredith Napolitano

By

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

Published November 22, 2021

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The average cost of full coverage car insurance in Baton Rouge is $3,490, which is higher than the state average in Louisiana over $2,906, and much higher than the nationwide average.

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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.

Key Takeaways

  • USAA has the lowest average rate for full coverage car insurance in Baton Rouge

  • A DUI on your driving record will raise your rates more than any other moving violation

  • Louisiana drivers are not required to carry uninsured/underinsured motorist coverage or personal injury protection

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

$1,660

890

State Farm

$2,028

881

Louisiana Farm Bureau

$2,541

--

MetLife

$3,024

886

Louisiana Farm Bureau

$3,060

--

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

70801

$3,546

70802

$3,691

70803

$3,288

70805

$3,795

70806

$3,610

70807

$3,770

70808

$3,183

70809

$3,274

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

USAA

State Farm

Louisiana Farm Bureau

MetLife

Louisiana Farm Bureau

At-fault Accident

$2,532

$2,372

$3,461

$5,321

$3,313

DUI

$2,746

$2,209

$3,570

$7,685

$3,060

Driving with a suspended license

$2,606

$2,209

$3,082

$9,472

$3,060

Driving with an open container

$2,314

$2,209

$3,570

$4,336

$3,060

Driving with expired registration

$2,224

$2,209

$3,082

$4,336

$3,060

Driving without Lights

$2,224

$2,209

$3,082

$4,336

$3,060

Failure to show documents

$2,224

$2,209

$3,082

$4,336

$3,060

Failure to stop at a red light

$2,224

$2,209

$3,082

$4,336

$3,060

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

$3,591

Louisiana Farm Bureau

$4,882

Louisiana Farm Bureau

$6,339

SafeAuto

$6,479

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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 servicemembers 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

Which insurance company has the lowest average rates for drivers with bad credit?

USAA has the lowest rates for coverage for drivers with bad credit in Baton Rouge, but USAA only offers policies to families associated with the U.S. military.

Will my rates go down when I turn 25?

Rates for drivers with a clean record usually drop substantially at age 25 when you enter a less risky age group and have more experience behind the wheel.

Why does my address matter?

Your ZIP code is important when insurance companies are determining the risk of the neighborhood where the car will be driven and parked. Even within the same city, certain ZIP codes will have different rates depending on things like reports of accidents and car thefts nearby.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.