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Cheapest car insurance in Baton Rouge, Louisiana (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Baton Rouge, Louisiana.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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 26% 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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$146
Lydia, 39
Zip: 70810
Jeep Wrangler Sport
• State Minimum Liability
• Comp / Collision
Safeco
$210
Nancy, 36
Zip: 70816
Ford Expedition XLT
• State Minimum Liability
Nationwide
$94
Gabriel, 38
Zip: 70815
Mazda CX-9 Touring
• 30,000/60,000 Liability
Allstate
$308
Leila, 46
Zip: 70802
Toyota Camry L
• State Minimum Liability
• Comp / Collision
Mercury
$65
William, 40
Zip: 70820
Nissan Altima 2.5
• 30,000/60,000 Liability
coverageLast Updated Apr 12, 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 companyOverall ratingPriceClaims experienceCustomer 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
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

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: 
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.
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Lydia (39 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70810)
$146
per month
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Lela (60 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70802)
$175
per month
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Ida (29 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70816)
$171
per month
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Clearcover
Troy (26 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70816)
carJeep Grand Cherokee Overland
$137
per month
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Zachary (60 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70806)
$190
per month

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!
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$146
Lydia, 39
Zip: 70810
Jeep Wrangler Sport
• State Minimum Liability
• Comp / Collision
Allstate
$308
Leila, 46
Zip: 70802
Toyota Camry L
• 30,000/60,000 Liability
• Comp / Collision
Nationwide
$173
Marian, 38
Zip: 70815
Mazda CX-9 Touring
• State Minimum Liability
• Comp / Collision
National General
$317
Gertrude, 59
Zip: 70806
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
Clearcover
$213
Trevor, 26
Zip: 70816
Jeep Grand Cherokee Overland
coverageLast Updated Apr 16, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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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 CodeAverage State Minimum Coverage RateAverage 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. 

How do different factors impact your car insurance costs in Baton Rouge?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Louisiana currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Baton Rouge:

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.
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Ann (60 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70802)
$108
per month
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Lulu (39 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70817)
carNissan Maxima S
$276
per month
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Warren (29 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70807)
$497
per month

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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$366
Dale, 27
Zip: 70802
Toyota RAV4
• State Minimum Liability
At Fault With No Injury
Nationwide
$94
Tony, 38
Zip: 70815
Mazda CX-9 Touring
• 30,000/60,000 Liability
Not At Fault
Allstate
$308
Joe, 46
Zip: 70802
Toyota Camry L
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Bristol West
$283
Polly, 60
Zip: 70806
Nissan Sentra S
• State Minimum Liability
coverageLast Updated Apr 14, 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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$115
Shawn, 31
Zip: 70810
Honda Accord LX
• State Minimum Liability
Defective Equipment
Nationwide
$94
Tony, 38
Zip: 70815
Mazda CX-9 Touring
• 30,000/60,000 Liability
Failure to Obey Signal
Allstate
$196
Lucy, 31
Zip: 70810
Honda Accord LX
• State Minimum Liability
Driving on Sus. License
Kemper
$299
Richard, 28
Zip: 70808
Dodge Charger SXT
• 25,000/50,000 Liability
• Comp / Collision
Failure to Obey Signal
Bristol West
$362
Bessie, 35
Zip: 70807
Chevrolet Camaro LS
• State Minimum Liability
coverageLast Updated Apr 16, 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! 
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Jerome (23 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70817)
$306
per month
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Eleanor (24 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70811)
$266
per month
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Anne (24 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70820)
$295
per month
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Clearcover
Jessie (24 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70816)
$319
per month

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. 
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Emma (69 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70806)
carFord F250 Super Duty
$167
per month
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Eric (65 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70802)
$149
per month
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Clearcover
Gilbert (71 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70802)
$123
per month
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Jonathan (67 years old)
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70811)
$126
per month

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. 
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Adelaide (39 years old)
Currently Insured
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70810)
$146
per month
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Frank (36 years old)
Currently Insured
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70816)
carFord Expedition XLT
$210
per month
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Jose (38 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationBaton Rouge, LA
(Zip Code: 70815)
carMazda CX-9 Touring
$94
per month
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Erik (46 years old)
Currently Insured
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70802)
$308
per month
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Clearcover
Vera (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationBaton Rouge, LA
(Zip Code: 70816)
carJeep Grand Cherokee Overland
$137
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$146
Adelaide, 39
Zip: 70810
Jeep Wrangler Sport
• State Minimum Liability
• Comp / Collision
660 - 750
Nationwide
$94
Tony, 38
Zip: 70815
Mazda CX-9 Touring
• 30,000/60,000 Liability
660 - 750
National General
$151
Elijah, 32
Zip: 70802
Ford F150 Super Cab
• State Minimum Liability
550 - 659
Allstate
$175
Edward, 60
Zip: 70802
Chevrolet Suburban C1500
• State Minimum Liability
< 550
Clearcover
$372
David, 34
Zip: 70819
KIA Optima LX
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 14, 2024

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. 

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.

FAQ

Based on thousands of Baton Rouge drivers Jerry has worked with, car insurance in Baton Rougecosts an average of $150 per month for state-minimum coverage and $291 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Bristol West, Kemper, and National General One Choice receive good ratings from Baton Rouge drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
In Baton Rouge, Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following: 
People living in Baton Rouge pay on average $150 per month – or $1,800 per year – on state-minimum liability coverage. Full coverage in Baton Rouge costs on average $291 per month or $3,492 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.