Best Car Insurance Rates in Baton Rouge, Louisiana

On average your neighbors pay $102 a month.

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Compare Auto Insurance in Baton Rouge

Friday, November 2 2018 By Aaron Besson

Like all of Louisiana, Baton Rouge has expensive car insurance. If you’re a Baton Rouge driver, QuoteWizard can help you find a great deal on car insurance. This page covers.

Average Baton Rouge Insurance Rates

How much does car insurance cost in Baton Rouge, LA? Due in part to Louisiana's high number of bodily injury claims, the state pays more for insurance than the rest of the country. Average auto insurance in Louisiana costs $1,231.77 per year. The national average price is $889.01.

Rates can vary based on your zip code, traffic conditions, and crime rates.

Louisiana Average Annual Car Insurance Rates
Coverage Rates
Liability $775.83
Collision $414.36
Comprehensive $215.17
Total Cost Per Year $1,231.77
Price Per Month $102.64
Source: Facts + Statistics: Auto insurance

The graph below shows the average Louisiana auto insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute found that average rates in Baton Rouge increased from $1,110 in 2011 to $1,231 in 2015. This is a jump of $121 dollars, or 10.91 percent.

Louisiana average car insurance rates

QuoteWizard helps consumers compare quotes from national insurance companies and local agents. Comparing quotes helps you find cheap car insurance rates near Baton Rouge, Louisiana. You can save up to 40% on your premium by using QuoteWizard.

Last year, 23,340 people used QuoteWizard to compare auto insurance quotes in Baton Rouge, LA from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Baton Rouge, LA

These are the most popular car insurance companies reported by QuoteWizard users in Baton Rouge, Louisiana. Of those drivers, 4,245 were uninsured when they requested a quote.

  1. GEICO
  2. State Farm
  3. Progressive
  4. Allstate
  5. Liberty Mutual
  6. USAA
  7. AAA
  8. Esurance
  9. Safeco
  10. Farmers

Top 10 Vehicles in Baton Rouge

These are the most popular makes and models owned by Baton Rouge, LA QuoteWizard users.

  1. Honda Accord/EX/LX
  2. Toyota Camry/LE/SE
  3. Nissan Altima 2.5/S
  4. Ford F-150
  5. Chevrolet Silverado C1500
  6. Nissan Sentra S
  7. Ford Mustang
  8. Chevrolet Impala
  9. Chevrolet Tahoe C1500
  10. Nissan Versa S

Minimum Car Insurance Requirements in Baton Rouge, LA

Baton Rouge requires all its drivers to carry minimum liability coverage. The minimum is 15/30/25. This means your policy must include: 

  • $15,000 Individual Bodily Injury Liability (BIL)
    The max amount paid for a person injured in a car accident.
  • $30,000 Total Bodily Injury Liability
    The total amount paid for every person injured in a car accident. 
  • $25,000 Property Damage Liability (PDL)
    The max amount paid for property damage caused by a car accident.

Recommended Coverage Levels

Minimum coverage may seem cheaper in the short term, but one crash can change that. This coverage doesn’t include collision or comprehensive coverage.

After an accident, it’s easy to hit your minimum liability levels – especially if injuries are involved. It’s always a good idea to buy extra liability coverage, and it’s not very expensive.

Given that, we recommend the following coverage: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Baton Rouge Drivers

Insurance is more expensive in areas with lots of bad drivers. How does Baton Rouge fare? QuoteWizard ranked state and city drivers from best to worst. According to our data, Baton Rouge came in as 65th worst drivers in the country. Considering the study assessed 75 cities, 65th place isn’t so bad.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. Areas with riskier driving conditions usually have higher premiums.

Weather

Baton Rouge weather includes harsh hurricanes, severe thunderstorms, and tornadoes. All of these can make for dangerous road conditions. Comprehensive coverage pays for car damages from natural disasters, so your insurance rates can rise due to the weather. 

Road Conditions

TRIP reports that 48 percent of Louisiana’s roads are in poor condition. Driving on bad roads costs LA drivers $641 a year in extra car operating costs.

Traffic Congestion

TomTom found that Baton Rouge has the 106th worst traffic congestion in the world. Also, according to TomTom, Baton Rouge commuters spent an extra 118 hours. That breaks down to an extra 31 minutes on the road a day.

Moving Violations

Citations and at-fault accidents affect your driving record. If you have too many tickets and accidents on your record, you’ll pay quite a bit more for car insurance. In some cases, you might have your policy cancelled due to your high-risk level.

Traffic Tickets

The Louisiana Highway Patrol Police issued 11,045 traffic citations in 2017 thanks to a highway safety grant. This high number of speeding tickets raises the average insurance rate for everyone in the state.

DUI and DWAI Arrests

A DUI will hurt your insurance rates. Our study found that drivers with a DUI pay $830 more for car insurance per year. A DUI in Baton Rouge, depending on how many offenses you have, can include a fine up to $5,000, up to 30 years in prison, and seizure of your vehicle.

SR-22 DUI/DWAI Insurance

Baton Rouge, Louisiana drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for three years.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, East Baton Rouge Parish reported 193 crashes. 

Traffic Fatalities

East Baton Rouge Parish reported 68 fatal crashes in 2017.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Baton Rouge Police reported 996 auto theft arrests in 2017.

Car Insurance Discounts in Baton Rouge

Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Baton Rouge drivers can use. Get a quote and find out which discounts you qualify for.

Looking for ways to get a discount? Baton Rouge drivers have many options:

  1. If you’re 55 or over, see if a senior citizens discount is available 
  2. Have more than one car? Look into a multiple car discount
  3. Make sure your car as up-to-date safety features and anti-theft devices
  4. Bundle your car insurance with your home or renters insurance, you can reduce your premium by up to 20 percent
  5. There are discount rates for active and retired members of the Military, National Guard, or Reserves

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