Best Baton Rouge, LA Car Insurance in 2025
Car insurance in Baton Rouge, LA averages $566 a month. Baton Rouge, Louisiana car insurance requirements are 15/30/25, but you might need full coverage insurance if your car is financed. To find cheap Baton Rouge car insurance rates, compare quotes from the top car insurance companies in Baton Rouge, LA.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Updated October 2024
- The cheapest car insurance company in Baton Rouge is USAA
- Average car insurance rates in Baton Rouge, LA after a DUI are $7,833/year
- The cheapest ZIP code in Baton Rouge is 70808
If you need to buy Baton Rouge, Louisiana car insurance, the options can be confusing. Everything you need to know about car insurance in Baton Rouge, LA is right here.
You’ll find Baton Rouge car insurance rates, the cheapest Baton Rouge, LA car insurance companies, and information on Louisiana car insurance laws. You can also compare Baton Rouge, Louisiana car insurance rates to Alexandria car insurance rates, Houma car insurance rates, and Kenner car insurance rates.
Ready to find affordable Baton Rouge, LA car insurance today? Enter your ZIP code for fast, free Baton Rouge car insurance quotes.
Cheapest Baton Rouge, LA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Baton Rouge, LA car insurance rates? Every Baton Rouge, Louisiana car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Baton Rouge, Louisiana
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,869 | $4,869 | $5,052 | $5,052 | $10,521 | $13,188 | $5,359 | $5,790 |
| Geico | $4,256 | $4,910 | $5,173 | $6,347 | $15,733 | $16,470 | $4,077 | $3,893 |
| Progressive | $5,171 | $4,792 | $4,342 | $4,726 | $20,706 | $22,953 | $5,849 | $5,872 |
| State Farm | $3,242 | $3,242 | $3,001 | $3,001 | $9,917 | $12,429 | $3,628 | $4,076 |
| USAA | $2,981 | $2,929 | $2,923 | $2,891 | $9,028 | $10,559 | $3,654 | $3,994 |
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Minimum Car Insurance in Baton Rouge, LA
Every driver must carry the minimum car insurance required by the state in Baton Rouge, LA. Take a look at the Louisiana car insurance requirements.
Minimum Required Car Insurance Coverage in Baton Rouge, Louisiana
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Baton Rouge, LA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Baton Rouge, LA. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Baton Rouge from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Baton Rouge, Louisiana
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,901 | $6,185 | $5,425 |
| Geico | $9,055 | $7,854 | $5,914 |
| Progressive | $10,487 | $9,019 | $8,397 |
| State Farm | $7,382 | $4,743 | $3,826 |
| USAA | $6,717 | $4,300 | $3,593 |
Cheapest Baton Rouge, LA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Baton Rouge, LA to rates for a clean record with top companies.
Annual Baton Rouge, Louisiana Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,401 | $8,239 | $7,360 | $6,350 |
| Geico | $5,149 | $8,339 | $10,330 | $6,612 |
| Progressive | $7,738 | $10,418 | $9,998 | $9,052 |
| State Farm | $4,851 | $5,783 | $5,317 | $5,317 |
| USAA | $3,712 | $5,169 | $6,160 | $4,438 |
Cheapest Baton Rouge, LA Car Insurance for Teen Drivers
Teen car insurance in Baton Rouge, LA can be expensive. Take a look at rates from the top car insurance companies in Baton Rouge for teenagers.
Annual Car Insurance Rates for Teen Drivers in Baton Rouge, Louisiana
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,521 | $13,188 |
| Geico | $15,733 | $16,470 |
| Progressive | $20,706 | $22,953 |
| State Farm | $9,917 | $12,429 |
| USAA | $9,028 | $10,559 |
Cheapest Baton Rouge, LA Car Insurance for Seniors
Take a look at Baton Rouge, LA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Baton Rouge, Louisiana
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $5,052 | $5,052 |
| Geico | $5,173 | $6,347 |
| Progressive | $4,342 | $4,726 |
| State Farm | $3,001 | $3,001 |
| USAA | $2,923 | $2,891 |
Cheapest Baton Rouge, LA Car Insurance Rates After a DUI
A DUI in Baton Rouge, LA increases car insurance rates. Compare Baton Rouge, Louisiana car insurance after a DUI by the company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Baton Rouge, Louisiana
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,360 |
| Geico | $10,330 |
| Progressive | $9,998 |
| State Farm | $5,317 |
| USAA | $6,160 |
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Cheapest Baton Rouge, LA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Baton Rouge, LA by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Baton Rouge, Louisiana
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,837 | $6,837 |
| Geico | $7,461 | $7,754 |
| Progressive | $9,301 | $9,301 |
| State Farm | $5,178 | $5,456 |
| USAA | $4,719 | $5,021 |
Cheapest Baton Rouge, LA Car Insurance Rates by ZIP Code
Baton Rouge car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Baton Rouge, LA.
Annual Car Insurance Rates by ZIP Code in Baton Rouge, Louisiana
| ZIP Code | Average Annual Rates |
|---|---|
| 70801 | $6,707 |
| 70802 | $6,632 |
| 70803 | $6,101 |
| 70805 | $6,898 |
| 70806 | $6,396 |
| 70807 | $6,457 |
| 70808 | $5,825 |
| 70809 | $6,147 |
| 70810 | $6,167 |
| 70811 | $6,518 |
| 70812 | $6,856 |
| 70813 | $6,123 |
| 70814 | $6,753 |
| 70815 | $6,515 |
| 70816 | $6,272 |
| 70817 | $6,113 |
| 70819 | $6,426 |
| 70820 | $5,853 |
| 70825 | $6,536 |
| 70827 | $6,355 |
| 70836 | $6,279 |
The Best Cheap Car Insurance Companies in Baton Rouge, LA
Take a look at a side-by-side comparison of the top car insurance companies in Baton Rouge, LA to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Baton Rouge, Louisiana
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,837 |
| Geico | $7,607 |
| Progressive | $9,301 |
| State Farm | $5,317 |
| USAA | $4,870 |
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Category Winners: Cheapest Car Insurance in Baton Rouge, Louisiana
Find the cheapest car insurance companies in Baton Rouge, LA for each category right here.
Best Annual Car Insurance Rates by Company in Baton Rouge, Louisiana
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Baton Rouge, LA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Baton Rouge car insurance rates. Find the cheapest Baton Rouge, LA car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Baton Rouge, Louisiana
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,853 | $6,967 | $7,692 |
| Geico | $6,148 | $7,638 | $9,037 |
| Progressive | $7,454 | $9,207 | $11,243 |
| State Farm | $4,551 | $5,305 | $6,095 |
| USAA | $4,201 | $4,948 | $5,461 |
What affects car insurance rates in Baton Rouge, Louisiana?
What are the factors that affect car insurance rates in Baton Rouge, LA? There are several reasons why Baton Rouge car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Baton Rouge, Louisiana.
Car Theft in Baton Rouge
High levels of vehicle theft can make car insurance more expensive. Baton Rouge, LA car theft statistics from the FBI indicate 950 vehicle thefts a year.
Commute Time in Baton Rouge
The more time you spend in your car the higher the risk of an accident. The average commute length in Baton Rouge, LA is 21.3 minutes according to City-Data.
Traffic in Baton Rouge
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Baton Rouge, LA traffic data from INRIX ranks Baton Rouge as the 211th-most congested in the world.
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Compare Car Insurance Quotes in Baton Rouge, LA
Ready to find affordable Baton Rouge, Louisiana car insurance today? Enter your ZIP code for fast, free Baton Rouge, LA car insurance quotes.
Frequently Asked Questions
How are car insurance rates determined in Baton Rouge, LA?
Car insurance rates in Baton Rouge, LA are determined based on several factors, including your driving record, age, gender, marital status, the type of vehicle you drive, your credit history, and the coverage options you choose. Insurance companies also consider the local crime rate and accident statistics in your area when calculating rates.
What are the minimum car insurance requirements in Baton Rouge, LA?
In Baton Rouge, as in the rest of Louisiana, drivers are required to carry minimum liability insurance coverage to legally operate a vehicle. The minimum car insurance requirements typically include:
- Bodily Injury Liability Coverage: Louisiana state law requires a minimum of $15,000 per person and $30,000 per accident in bodily injury liability coverage. This coverage helps pay for the medical expenses, lost wages, and other damages to other people if you’re at fault in an accident.
- Property Damage Liability Coverage: The minimum requirement for property damage liability coverage in Louisiana is $25,000 per accident. This coverage helps pay for the repair or replacement costs of other people’s property that you damage in an accident.
Can I get discounts on car insurance in Baton Rouge, LA?
Yes, there are several discounts available that can help you save on car insurance in Baton Rouge, LA. Common discounts include safe driver discounts, multi-policy discounts (if you bundle multiple insurance policies with the same company), good student discounts, and discounts for installing safety features in your vehicle.
Are car insurance rates higher in Baton Rouge compared to other cities in Louisiana?
Car insurance rates in Baton Rouge, LA tend to be higher compared to other cities in Louisiana. This is mainly due to factors such as higher population density, increased traffic congestion, and a relatively higher crime rate. However, it’s important to note that rates can vary depending on your specific circumstances and the insurance company you choose.
How can I find the best car insurance rates in Baton Rouge, LA?
To find the best car insurance rates in Baton Rouge, LA, it’s recommended to shop around and compare quotes from multiple insurance companies. Online comparison tools and websites can help simplify this process. Additionally, consider working with an independent insurance agent who can provide personalized assistance and access to multiple insurance carriers.
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