Best Car Insurance in Baton Rouge 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Baton Rouge.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
July 30, 2021Toyota Camry L7081046Kemper$286/mo.$128/mo.
June 2, 2021Chevrolet Cruze LT7080522ClearCover$275/mo.$141/mo.
September 14, 2021Honda Odyssey EXL7081640ClearCover$250/mo.$144/mo.
September 13, 2021Jeep Cherokee Limited7080731Kemper$230/mo.$153/mo.
October 15, 2021BMW 740 Il7080128Progressive$240/mo.$184/mo.
Here’s more information about what impacts the insurance rates in your Baton Rouge.

How much does car insurance cost in Baton Rouge?

Car insurance in Baton Rouge, Louisiana costs single-car drivers an average of $3,579 annually, or about $298 per month. Compared to the state annual average of $3,471, auto insurance in Baton Rouge is $108 higher higher.
Baton Rouge owes its status as Louisiana’s capital to its diverse population, strategic location, and the natural protection it has from the state’s vulnerability to flooding. But even with all that in mind, the Red Stick isn’t immune from Louisiana’s high car insurance rates—which is why comparison shopping is so important when it comes to saving money.
With Jerry, you’ll always have a fully licensed insurance broker on hand (literally!) to help you find great rates quickly and easily. So if you live in Baton Rouge, just give Jerry a tap, and see how easy it is to save money on your insurance.
Here’s everything you need to know about car insurance in Baton Rouge.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Baton Rouge$3,597$2,841$2,754$1,837$6,376$6,176
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Baton RougeNational Average
All Coverage Before Jerry
$3,597$3,223
All Coverage After Jerry
$2,841$2,143
Minimum Coverage Before Jerry
$2,754$3,086
Minimum Coverage After Jerry
$1,837$1,764
Full Coverage Before Jerry
$6,376$3,423
Full Coverage After Jerry
$6,176$2,486
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Choosing a carrier in Baton Rouge

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Louisiana in general carries some of the highest rates in the nation, so insurance in Baton Rouge is already going to be expensive. Diligent comparison shopping is one of the best ways to help you save.
Baton Rouge drivers who sign up with GEICO can save big. Companies like Southern Farm Bureau and USAA, for those who qualify, also offer competitive rates.
Remember, there are personal factors that influence your insurance rates like your age, occupation, and driving history—so be sure to do some comparison shopping with Jerry.
Here’s what drivers pay with some of the most popular insurance providers in Baton Rouge before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$4,491$1,636Compare Prices
Progressive$3,143$785Compare Prices
National General$3,383$776Compare Prices
Allstate$3,122$670Compare Prices
Safeco$3,948$208Compare Prices
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What kind of car insurance you need in Baton Rouge

In Baton Rouge, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Louisiana requires both bodily injury liability and property damage liability insurance to drive. Liability coverage is not meant to cover the policyholder in the event of an at-fault accident. It’s instead designed to protect any other parties involved in the accident.
The liability limits in Louisiana can be broken down as 15/30/25, summarized as follows:
Louisiana also has a “No Pay, No Play” law, which means that if you’re driving without insurance, you may be ineligible to collect insurance pay-outs for an accident where you are not at fault—namely:
  • The first $25,000 in property damages; and
  • The first $15,000 in personal injuries.
There are additional penalties if you’re caught driving without insurance, including, but not limited to fines, license suspension, and vehicle impoundment.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Once you’ve selected your liability insurance, you’ll need to find additional coverage to protect yourself and your car. If you live and drive in Baton Rouge, here are some coverage options that might serve you well on the road:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceMore cars on the road means more possibilities for collisions and subsequent damage to your vehicle. Collision insurance covers the cost of the necessary repairs.
High population densityAccident forgivenessLots of drivers means lots of accidents. Accident forgiveness will prevent your insurance rates from going up after your first at-fault incident.
Uninsured driversUninsured/underinsured motorist coverageOver 11% of Louisiana’s drivers are without the required liability coverage. This coverage option will take the place of the liability insurance the other driver doesn’t have.
Potential water damageComprehensive insuranceLouisiana frequently experiences more extreme weather, including hurricanes and flooding. Comprehensive insurance will cover damage done to your car by these natural disasters and more.
Marshy conditionsRoadside assistanceLouisiana as a whole is susceptible to flooding thanks to its proximity to the Atlantic Ocean and the Mississippi River, in addition to its low, flat elevation. These factors mean marshy soil that can damage roads and be difficult to drive in. Don’t get stuck in the mud without roadside assistance.

What determines your car insurance cost in Baton Rouge

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Baton Rouge, you could be paying as much as $18 more per month than an adult driver. These are average rates for Jerry customers in Baton Rouge broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$5,022$204
21-24$3,752$1,194
25-34$3,486$857
35-44$3,900$648
45-54$3,727$746
55-64$2,556$330
65+$4,200$1,218
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Baton Rouge with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,605$705
Suspension$4,080$1,431
Speeding under 15$3,800$1,229
DUI$3,432$918
Driving on Sus. License$4,536$828
Other$2,649$911
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Where in Baton Rouge you live

It may seem like insurance rates in Baton Rouge should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Baton Rouge, residents of 70815, 70819, 70812, 70816 and 70810 will have the most expensive car insurance rates, while people who live in 70814, 70817, 70805, 70818 and 70806 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Baton Rouge:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 9, 202170802Nissan Murano SLLA64ClearCover$145/mo.$120/mo.
October 10, 202170809Toyota Corolla LELA32National General$229/mo.$162/mo.
October 15, 202170801BMW 740 IlLA28Progressive$240/mo.$184/mo.
September 8, 202170816Dodge Challenger SXTLA47Allstate$278/mo.$226/mo.
April 2, 202170815Chevrolet Trax LSLA30Safeco$329/mo.$290/mo.
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Why is car insurance in Baton Rouge so expensive?

A variety of considerations determine baseline car insurance rates in Baton Rouge. Insurance companies often consider the following:
Several factors contribute to Baton Rouge’s high insurance rates.

Population

Although not as populous or popular as nearby New Orleans, Baton Rouge still has more residents than the majority of the state. As a general rule, urban areas and cities tend to have higher rates because they have more cars on the road and a greater likelihood of accidents. Baton Rouge is no exception.

High crime rate

Baton Rouge is one of the most dangerous cities in America, with a violent and property crime rate that is significantly higher than the national average. This creates added risk for your car, which insurance carriers factor into your coverage costs.

Severe weather

The state of Louisiana experiences extreme storms, particularly hurricanes, which is a huge factor in why the state’s overall average is so high. Although Baton Rouge is more inland than New Orleans, it’s still just as susceptible to severe weather. This raises comprehensive insurance rates.

How can you save money on car insurance in Baton Rouge?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Almost all insurance companies offer discounts on their rates. No matter who you are, there’s bound to be a discount that fits your lifestyle and circumstances or rewards you for responsible behavior.
Here are some common discounts available with insurance carriers in Baton Rouge:
DiscountDescription
Multi-policyEven if you aren’t a homeowner, if your carrier offers other insurance products, like renter’s insurance, pet insurance, or boat insurance, bundling policies can save you money on each.
Safety equipmentIf you’ve added additional safety and anti-theft devices to your car, like better airbags or car alarms, insurance companies may lower your rates.
Safe driverStaying accident free for at least three years can earn you a discount on your auto insurance.
Continuous coverage discountsMany insurance companies offer discounted rates—often 5 to 25%—to policyholders who have been continuously insured for six months or more.
Driver education discountOlder drivers who take an approved defensive driving course to refresh their skills can receive a discount, which is typically up to 10%.
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