How to find the cheapest car insurance in Baton Rouge

On average, auto insurance in Baton Rouge costs about $150 per month for minimum coverage liability insurance, and about $291 per month for full coverage insurance. In Baton Rouge drivers pay 25% more than the national average.

Jerry is a trusted resource for countless drivers in Baton Rouge seeking the best car insurance quotes. Let’s explore some of the savings that Jerry has uncovered for our customers in Baton Rouge.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Bluefire	$223	28	70805	Kia Forte Lx	State Minimum	No
Progressive	$227	44	70806	Nissan Altima S	State Minimum	No
Bluefire	$252	23	70805	Toyota Highlander Limited	State Minimum	No
Progressive	$246	32	70805	Dodge Grand Caravan Se	State Minimum	No
Progressive	$230	26	70816	Hyundai Elantra Se	State Minimum	No

Last Updated Dec 17, 2024

Best car insurance companies in Baton Rouge

When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone.

Aside from the cost of insurance, you’ll also want to consider factors such as claims handling and customer service when choosing a provider.

To narrow down the best car insurance options for Baton Rouge drivers, Jerry conducted the largest insurance shopping survey in the nation. We asked over 15,000 policyholders from across the country to rate their insurance providers on cost, customer service, ease of shopping and renewal, and claims handling.

Here’s what the survey respondents had to say about the best car insurance companies in Baton Rouge:

Insurance company	Overall rating	Price	Claims experience	Customer service
Geico	4.4	3.4	4	4.3
Allstate	4.3	3.7	N/A	4.3
Progressive	4	3.6	2.5	4.2
State Farm	3.9	2.6	N/A	4.1
USAA	3.8	3.8	N/A	3.6

Best cheap car insurance quotes in Baton Rouge

Before driving in Baton Rouge, remember that Louisiana’s car insurance laws require all drivers to buy liability insurance. Full coverage car insurance, which includes collision and comprehensive insurance in addition to state-mandated liability coverage, is technically optional—but most drivers choose to buy it.

Cheap minimum liability insurance quotes in Baton Rouge

To legally drive in Baton Rouge, Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following:

• $15,000 of bodily injury liability coverage per person
  
• $30,000 of bodily injury liability coverage per accident
  
• $25,000 of property damage liability coverage per accident

These two types of coverage ensure that your insurance company will pay for other drivers’ medical and vehicle repair expenses if you’re at fault in an accident.

Do you need more than minimum coverage in Baton Rouge?

Think of Louisiana’s minimum liability coverage as the start—not the end—of your insurance shopping process in Baton Rouge.

While buying state minimum coverage will keep you in compliance with the law, it won’t do much to protect your wallet in the event of a crash.

Remember, liability insurance covers damages and medical bills that you’re responsible for. The average hospital stay following a car accident costs close to $60,000, while the average car on the road is worth about $48,000.

A single serious accident could saddle you with liability costs well over $100,000—well beyond the liability limits of a minimum coverage policy!

And because Louisiana’s car accident laws allow drivers to file personal injury lawsuits for up to a year after an accident, your liability will extend long past the actual incident.

Cheap full coverage car insurance quotes in Baton Rouge

One major drawback of a liability-only insurance policy is that it won’t protect your vehicle. Only drivers with full-coverage car insurance can submit insurance claims for physical damage to their own cars.

Full coverage isn’t a technical term, but it usually refers to policies that include collision coverage and comprehensive coverage on top of basic liability.

• Collision insurance: pays for damage to your vehicle caused by any kind of crash, from a seven-car pileup to a single-car rollover or a collision with a telephone pole. Collision coverage can even pay if your car’s damaged in an encounter with a gnarly pothole—and since 23.3% of Louisiana’s roads are in poor condition, it’s a worthwhile investment for most drivers in Baton Rouge.
• Comprehensive insurance: pays for damage caused by something other than a collision. This typically includes vandalism, theft, and severe weather.

Full coverage insurance isn’t required by law, but it is required by lenders. If you lease or buy a car in Baton Rouge, you’ll need to carry collision and comprehensive insurance until your lease is up or your loan is paid off.

Check out the table below to see how Jerry helped Baton Rouge drivers balance their coverage needs with their budget!

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
State Minimum	No	Bluefire	$223	28	70805	Kia Forte Lx
State Minimum	No	Progressive	$227	44	70806	Nissan Altima S
State Minimum	No	Bluefire	$252	23	70805	Toyota Highlander Limited
State Minimum	No	Progressive	$246	32	70805	Dodge Grand Caravan Se
State Minimum	No	Progressive	$230	26	70816	Hyundai Elantra Se

Last Updated Dec 17, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Average cost of car insurance in Baton Rouge

A full coverage car insurance policy costs Baton Rouge drivers an average of $1,800 per year or $150 per month. For drivers who stick to only minimum liability coverage, car insurance costs $3,492 per year or $291 per month, on average.

But car insurance averages only tell part of the story—and they’re not always a good guide to finding your best insurance rate.

Every driver is different, and everything from your age and gender to your credit score, driving record, insurance history, and vehicle type could put your rates above or below the average in Baton Rouge.

Average cost of car insurance in Baton Rouge by zip code

When it comes to car insurance in Baton Rouge, the cost can significantly differ depending on your zip code. Each zip code within Baton Rouge possesses its own unique risk profile, directly influencing the corresponding insurance rates.

For instance, if you happen to reside in a neighborhood with a higher frequency of auto theft and accidents, your area will be classified as high risk, leading to higher rates.

Essentially, the level of risk associated with your zip code plays a pivotal role in determining whether you’ll pay more or less for coverage.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
70805	$165	$377
70806	$186	$326
70807	$189	$329
70808	$155	$258
70810	$178	$275
70811	$127	$338
70814	$154	$279
70815	$188	$281
70816	$178	$294
70817	$137	$240
70818	$144	$292
70820	$152	$269

Car insurance quotes in Baton Rouge by rating factors

Remember—every driver is different, and every insurance company uses a whole slew of rating factors to calculate your car insurance premium in Baton Rouge.

• Your age and demographics: Teens and other new drivers pay a higher rate for coverage than middle-aged drivers—and so do seniors over age 70. Gender can also affect rates in Louisiana.
• Your credit score: Research shows that drivers with poor credit file more claims. They also pay approximately 97% more than drivers with excellent credit—for the same coverage.
• Your driving record and claims history: Causing an accident, committing a violation, filing a claim, or letting your insurance lapse can all lead to higher premiums.
• Your driving habits: Louisiana drivers commute about 25 minutes per day—close to the national average. If you drive more or less than that, you’ll see your rates reflect the added (or lessened) risk of an accident.
• Your location: City zip codes carry a higher risk of accidents, theft, vandalism—-and insurance claims. That’s why urban drivers pay more, and rates can vary within a single city.

Cheap car insurance quotes in Baton Rouge after driving violations

The occasional speeding ticket might add a surcharge to your insurance policy, but drivers with multiple violations are at risk of earning the “high-risk” label from their insurance company.

Here’s how to navigate car insurance shopping if your Baton Rouge driving record is less than perfect.

Cheapest car insurance in Baton Rouge after DUI

Just one DUI violation in Baton Rouge can rack up thousands of dollars in fines, legal costs, and increased insurance premiums. The average rate increase after a DUI in Louisiana is 64%, but you can expect even higher increases if you’re convicted multiple times.

Drivers with DUIs tend to pay a lot more for car insurance—but you don’t have to resign yourself to unbearable premiums. Some insurers, like Progressive, give a DUI far less weight when calculating premiums, and Jerry can help you find the best rates in Baton Rouge based on your record.

Cheapest car insurance in Baton Rouge after an at-fault accident

Your rates will also go up after an at-fault accident—but not all companies will raise them by the same amount. GEICO has the highest average rate increase after an accident at a whopping 64%, while State Farm and Travelers policyholders tend to see lower rate spikes.

But don’t worry—Jerry has helped many Baton Rouge drivers save on car insurance after accidents.

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Not At Fault	Progressive	$227	44	70806	Nissan Altima S	State Minimum	No
At Fault With No Injury	Progressive	$246	32	70805	Dodge Grand Caravan Se	State Minimum	No
At Fault With No Injury	Progressive	$230	26	70816	Hyundai Elantra Se	State Minimum	No
At Fault With No Injury	National General	$503	52	70806	Volvo Xc60 T6 Premier	State Minimum	Yes
At Fault With No Injury	Progressive	$218	36	70815	Nissan Sentra S	State Minimum	No

Last Updated Dec 17, 2024

Cheapest car insurance in Baton Rouge after other driving violations

Speeding tickets, accidents, and DUIs aren’t the only way to earn the “high-risk” designation from your insurance company. No matter what violations show up on your Baton Rouge driving record, Jerry can help you save.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Failure to Obey Signal	National General	$241	32	70810	Honda Accord Lx	State Minimum	No
Defective Equipment	Progressive	$160	41	70816	Honda Accord Lx	State Minimum	Yes
Defective Equipment	National General	$91	39	70817	Mazda Cx-9 Touring	State Minimum	No
Failure to Obey Signal	Bluefire	$114	35	70807	Chevrolet Camaro Ls	State Minimum	No
Driving Left of Center	Kemper	$250	61	70802	Chevrolet Suburban C1500	50/100	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Baton Rouge by age

Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.

Cheapest car insurance in Baton Rouge for young drivers

Like all new drivers, teenagers pay more for car insurance than drivers with a proven record of safe driving in Baton Rouge.

But for teens, the costs are even higher thanks to statistics that show a higher rate of accidents, crash fatalities, and violations among drivers aged 19 and below.

Those increased rates are even higher for male drivers, who show a higher rate of unsafe behaviors like distracted driving and skipping the seatbelt.

Luckily, young Baton Rouge drivers can save by staying on a family policy, qualifying for good student discounts, and using usage-based insurance tools—and by shopping with Jerry, of course!

Cheapest car insurance in Baton Rouge for senior drivers

Many seniors actually pay less for car insurance than middle-aged drivers. Between ages 55 and 75, you’ll likely see the lowest rates of your whole driving career thanks to decades of experience.

But around your mid-70s, your rates will start to go up because of increased rates of driver error and a much higher risk of accident fatalities. Even good drivers tend to see higher risks on the road when they reach this age.

Cheap car insurance quotes in Baton Rouge based on insurance history

Insurance companies don’t just look for a clean driving record when reviewing applicants—they also want to see a continuous coverage history with no breaks or gaps.

Whether you forgot to renew your policy, stopped paying your bill, or just spent a few years relying on public transportation, any car insurance lapse will lead to higher rates down the road.

Cheap car insurance quotes in Baton Rouge for drivers with poor credit

All major car insurance companies will run a soft credit check and use something called a “credit-based insurance score” when evaluating your application and setting your rates.

Drivers with good credit (700 or above) pay less, on average, than drivers with poor credit. Bad credit doesn’t just suggest a history of unpaid bills; studies actually show that drivers with poor credit tend to file more insurance claims.

Here’s how drivers with low credit scores saved with Jerry

Credit Range	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
550-659	Bluefire	$223	28	70805	Kia Forte Lx	State Minimum	No
<550	Progressive	$227	44	70806	Nissan Altima S	State Minimum	No
550-659	Bluefire	$252	23	70805	Toyota Highlander Limited	State Minimum	No
550-659	Progressive	$246	32	70805	Dodge Grand Caravan Se	State Minimum	No
550-659	Progressive	$230	26	70816	Hyundai Elantra Se	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Baton Rouge for popular cars

We’ll keep it simple: the more your vehicle costs to repair, the more it costs to insure.
This means that you’ll pay a higher rate if you drive:

• A brand-new vehicle
• A luxury car
• A sports car
• A hybrid or electric vehicle
• Any vehicle with hard-to-source components

If you drive one of Baton Rouge’s most popular models, you’ll likely see more moderate insurance rates, thanks to the wide availability of parts and lower cost of repairs.

Matthew Boudreaux, Public Information Director at the Louisiana Department of Motor Vehicles, says that the humble Honda Accord is the most popular car in the Pelican State, followed by the Toyota Camry and Nissan Altima.

Other popular choices in Baton Rouge and throughout the state of Louisiana include Ford F-150, Chevy Silverado, or GMC Sierra 1500.

Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Nissan Altima S	Progressive	$227	44	70806	State Minimum	No
Honda Accord Ex-L	Bluefire	$715	21	70815	State Minimum	Yes
Honda Accord Lx	National General	$241	32	70810	State Minimum	No
Honda Accord Se	Progressive	$152	26	70817	State Minimum	Yes
Nissan Altima 3.5Se	Progressive	$52	56	70814	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest car insurance in Baton Rouge for new vs. old car

In general, new cars cost more to insure than older models. That’s because new cars have a higher value and are more likely to come with brand-new tech that’s costly to repair or replace.

Our research indicates that in Baton Rouge, the monthly insurance cost for a car older than 10 years is approximately $209. However, the average cost rises to around $163 per month for insuring a car less than four years old.

How to lower car insurance costs in Baton Rouge

1. Shop around and compare quotes

Paying for car insurance is no cakewalk in Baton Rouge. Each insurance company uses different rules to determine your premium, and these rules are subject to frequent changes.

To ensure you have the cheapest car insurance possible, experts advise comparing quotes from at least three different companies and reviewing rates every six months.

Luckily, Jerry makes this process easy! In just 45 seconds, Jerry gathers quotes from a vast network of over 55 leading insurance providers, helping you discover the best auto insurance coverage at the best price. What’s more, Jerry offers this invaluable service free of charge!

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:

• Good driver discounts. If you have a clean driving record with no accidents or traffic violations in Baton Rouge, insurers may offer discounts as a reward for your safe driving habits.
  
• Telematics discounts. Some insurance companies provide discounts to policyholders who use telematics. These devices monitor driving behavior, such as speed, mileage, and braking patterns, and can lead to discounts for safe driving practices.
  
• Good student discounts. Some insurance companies offer discounts to students who maintain good grades.

3. Increase your deductible for comprehensive and collision coverage

In a pinch, raising your full coverage deductible in Baton Rouge could shave a small amount off of your usual costs.

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Learn more: 11 Ways to lower car insurance

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Why is car insurance in Baton Rouge so expensive?

Auto insurance rates are on the rise everywhere—but Louisiana is one of the most expensive states in the country for car insurance. Here are a few reasons why insurance in Baton Rouge can be costly:

• Higher motor vehicle fatality rates: In 2021, the Department of Transportation reported 887 fatal crashes in Louisiana resulting in 972 deaths. That’s 21 deaths per 100,000 residents—over twice the national average.
  
• More drivers per capita: Louisiana has a higher-than-average number of licensed drivers, leading to a higher risk of accidents.
  
• More expensive medical care: According to a 2022 report from Forbes Advisor, Louisiana has the second-highest healthcare costs of any state. Steep medical bills lead to higher liability insurance costs in Baton Rouge.

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