Baton Rouge, LA Auto Insurance (2024)
The average Baton Rouge, LA auto insurance rates are $566 per month. The minimum auto insurance in Baton Rouge is at least 15/30/25 in coverage to comply with Louisiana auto insurance laws. To find the best cheap auto insurance in Baton Rouge, Louisiana, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Baton Rouge is USAA
- The most expensive auto insurance company in Baton Rouge for teen drivers is Progressive
- The average commute length in Baton Rouge is 21.3 minutes
Baton Rouge, Louisiana auto insurance requirements are 15/30/25 according to Louisiana auto insurance laws. Finding cheap auto insurance in Baton Rouge can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Baton Rouge, Louisiana, including driving record, credit, commute time, and more.
Compare auto insurance in Baton Rouge to other Louisiana cities, including Kenner auto insurance rates, Lafayette auto insurance rates, and Baton Rouge auto insurance rates to see how Baton Rouge, Louisiana auto insurance rates stack up.
Before you buy Baton Rouge, Louisiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Baton Rouge, Louisiana auto insurance quotes.
Minimum Auto Insurance in Baton Rouge, Louisiana
Baton Rouge, Louisiana auto insurance laws require that you have at least the Louisiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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 |
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Cheap Baton Rouge, Louisiana Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Baton Rouge, Louisiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Baton Rouge, Louisiana Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Baton Rouge, Louisiana is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Baton Rouge, Louisiana Auto Insurance for Seniors
What are senior auto insurance rates in Baton Rouge, Louisiana? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Baton Rouge, Louisiana Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Baton Rouge, Louisiana compared to the annual auto insurance rates with a clean record in Baton Rouge, Louisiana.
| 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 |
Cheap Baton Rouge, Louisiana Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Baton Rouge, Louisiana is not easy. Compare the annual rates for DUI auto insurance in Baton Rouge, Louisiana to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,360 |
| Geico | $10,330 |
| Progressive | $9,998 |
| State Farm | $5,317 |
| USAA | $6,160 |
Cheap Baton Rouge, Louisiana Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Baton Rouge, Louisiana annual auto insurance rates by credit history compare.
| 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 |
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Cheap Baton Rouge, Louisiana Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Baton Rouge, Louisiana can vary. Compare the annual cost of auto insurance by ZIP code in Baton Rouge, Louisiana to see how car insurance rates are affected by location.
| 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 |
Cheap Baton Rouge, Louisiana Auto Insurance Rates By Commute
Commute length and annual mileage affect Baton Rouge, Louisiana auto insurance. Find the cheapest annual Baton Rouge, Louisiana auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Baton Rouge, Louisiana Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Baton Rouge, Louisiana? Check out the comparison of annual Baton Rouge, Louisiana auto insurance rates by coverage level.
| 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 |
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Best By Category: Cheapest Auto Insurance in Baton Rouge, Louisiana
Compare the cheapest auto insurance companies in Baton Rouge, Louisiana in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Baton Rouge, Louisiana Auto Insurance Companies
What auto insurance companies in Baton Rouge, Louisiana are the cheapest? Compare the top Baton Rouge, Louisiana auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,837 |
| Geico | $7,607 |
| Progressive | $9,301 |
| State Farm | $5,317 |
| USAA | $4,870 |
What affects auto insurance rates in Baton Rouge, Louisiana?
There are a lot of reasons why auto insurance rates in Baton Rouge, Louisiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Baton Rouge, Louisiana. Many local factors may affect your Baton Rouge auto insurance rates.
Baton Rouge Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Baton Rouge, Louisiana auto theft statistics, there have been 950 auto thefts in the city.
Baton Rouge Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Baton Rouge, Louisiana commute length is 21.3 minutes according to City-Data.
Baton Rouge Traffic
How does Baton Rouge, Louisiana rank for traffic? According to Inrix Baton Rouge, Louisiana is the 211th most congested worldwide.
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Compare Baton Rouge, Louisiana Auto Insurance Quotes
Before you buy Baton Rouge, Louisiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Baton Rouge, Louisiana auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Baton Rouge, LA?
Yes, auto insurance is mandatory in Baton Rouge, LA, as it is in the rest of Louisiana. All drivers are required to carry minimum liability insurance coverage to legally operate a motor vehicle in the state.
What are the minimum auto insurance requirements in Baton Rouge, LA?
The minimum auto insurance requirements in Baton Rouge, LA, and throughout Louisiana are as follows:
- $15,000 bodily injury liability coverage per person
- $30,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Can I choose additional coverage beyond the minimum requirements?
Yes, while you are required to meet the minimum coverage requirements, you have the option to purchase additional coverage to enhance your protection. This may include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and other optional coverages offered by insurance providers.
What factors can affect auto insurance rates in Baton Rouge, LA?
Several factors can affect auto insurance rates in Baton Rouge, LA, including:
- Driving record: A clean driving record with no accidents or traffic violations generally leads to lower premiums, while a history of accidents or violations may result in higher rates.
- Age and gender: Younger and less experienced drivers typically have higher rates, and males may be considered higher risk compared to females in certain age groups.
- Vehicle type: The make, model, year, and value of your vehicle can influence your insurance rates.
- Location: Factors such as the crime rate and frequency of accidents in your area can impact your premiums.
- Coverage options: The coverage limits, deductible amounts, and additional coverages you choose will affect the cost of your insurance.
Are there any specific insurance requirements for flood coverage in Baton Rouge, LA?
Baton Rouge is located in an area prone to flooding. While auto insurance policies generally do not cover flood damage to vehicles, you may have the option to purchase separate flood insurance to protect your vehicle from flood-related damage. It’s advisable to discuss this with your insurance provider to understand the available options and coverage.
Can I qualify for any discounts on auto insurance in Baton Rouge, LA?
Yes, insurance providers often offer various discounts that can help reduce your auto insurance premiums in Baton Rouge, LA. Some common discounts include good student discounts, safe driver discounts, multi-policy discounts (bundling auto insurance with other policies), and anti-theft device discounts. It’s recommended to inquire with insurance providers about available discounts and eligibility criteria.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.