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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Located in southwest Louisiana, on the bank of the Mississippi River, Baton Rouge is the second-most-populated city in the state. The city’s high population and high rates of lawsuits and accidents may help explain why its car insurance premiums are more expensive than average.
Baton Rouge drivers pay an overall average of $274 per month for car insurance, but State Farm offers the lowest average rates in the city, at just $117 per month, according to Compare.com data.
Here’s everything you need to know to find the cheapest insurance companies in Red Stick.
Baton Rouge drivers pay an average of $191 per month for liability insurance and $358 for full coverage.
Louisiana requires all drivers to have minimum liability limits of 15/30/25.
Louisiana is a fault-based state — also known as a tort state — which can mean higher car insurance rates.
Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Baton Rouge | $191 | $358 | $274 |
| Louisiana | $158 | $319 | $239 |
| National average | $106 | $210 | $158 |
The overall average cost of car insurance for Baton Rouge is $274 per month, according to Compare.com data. For comparison’s sake, Louisiana’s statewide average is $239.
While average rates can give you a general sense of what to expect, car insurance premiums vary greatly based on personal factors, like where you live, your age, gender, driving record, type of insurance, and your credit history.
You can find lower rates in Baton Rouge by comparing multiple companies to find the one that’s right for you. We’ll cover several companies worth considering in the next section.
Compare personalized quotes from the city’s top insurers.
Regardless of Baton Rouge’s average rates, it’s possible to find a better deal by comparing insurers. The table below highlights five insurance companies in Baton Rouge that offer rates below the citywide average, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $117 |
| USAA | $147 |
| Allstate | $190 |
| GEICO | $191 |
| Direct Auto | $208 |
State Farm offers the cheapest rates in the city, with an average monthly premium of $117. But your rate could be different — that’s why comparing quotes from multiple insurers can help you find the company that fits your needs and budget.
With that in mind, let’s look at the three best car insurance companies in Baton Rouge.
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Since insurance needs vary from person to person, there’s no single best auto insurance company for everyone. The company that’s right for you will depend on your personal needs and budget.
We chose the following companies based on a combination of average rates, available discounts, customer ratings and reviews, and coverage options in Baton Rouge.
Average premium: $117 per month
Compare.com Rating: 4.90 out of 5
Quotes available online
Above-average claims satisfaction rating
Many available discounts
Gap insurance not available
Accident forgiveness not available
Low Better Business Bureau (BBB) customer ratings
State Farm offers some of the cheapest car insurance policies of any insurer in Baton Rouge — whether you’re looking for liability-only or full-coverage insurance, you’re a teen or senior driver, or you have a clean or spotty record.
Aside from low rates, State Farm also offers a range of discounts to help you save, including good driver, good student, and safety features discounts. And its Drive Safe & Save program can save you up to 30% off your policy.
Average premium: $147 per month
Compare.com Rating: 4.91 out of 5
Among the lowest rates in Baton Rouge
Save 30% with SafePilot telematics program
Many available discounts
Available to military members only
Gap insurance not available
Limited coverage offerings
USAA offers some of the lowest average rates in the city to military members, veterans, and their families. Members can take advantage of several discounts, including multi-vehicle, bundling, new vehicle, and loyalty. And if you sign up for its telematics program, SafePilot, you won’t have to worry about a rate increase if your driving is less than perfect.
On top of auto insurance, USAA offers a range of banking, mortgage, and other insurance products.
Average premium: $190 per month
Compare.com Rating: 4.93 out of 5
Above-average claims satisfaction rating
Quotes available online
Many available coverages
More expensive than some competitors
Below-average customer satisfaction ratings
Low BBB ratings
Though potentially more expensive than some competitors, Allstate is a great option for rideshare coverage. If you use your car to drive for a ridesharing company like Uber or Lyft, consider Allstate’s Ride for Hire insurance. It covers you when your personal policy or the rideshare company doesn’t.
Allstate also offers a wide range of coverage options, including the standard coverages you’d expect and unique products like pet, retirement, and travel insurance. It also offers specialty car insurance policies, including classic car insurance and car insurance for travel to Mexico.
Compare quotes and find the company that best fits your needs and budget.
The type of auto insurance coverage you choose will affect your car insurance costs. Liability coverage at the state’s minimum limits is the cheapest policy you can buy. It pays for others’ injuries or property damage when you cause an accident but doesn’t provide coverage for your injuries or damages.
Minimum coverage typically results in the lowest rates — but the least amount of coverage, which often isn’t enough protection.
The following table shows the average monthly rates for the five cheapest car insurance companies in Baton Rouge, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $93 |
| USAA | $117 |
| Safeco | $150 |
| Allstate | $151 |
| GEICO | $152 |
State Farm offers the cheapest minimum liability insurance in Baton Rouge, with an average monthly rate of $93, according to Compare.com data.
But if you want more than minimum protection, consider full-coverage insurance policy. We’ll cover it in more detail next.
Full-coverage car insurance combines multiple insurance products to provide more protection. In addition to liability insurance, it can include coverages such as collision, comprehensive, uninsured/underinsured motorist (UM/UIM), personal injury protection (PIP), or medical payments coverage (MedPay).
Purchasing full-coverage insurance provides you with protection for yourself and your vehicle. But because it’s more robust, it’s also more expensive than a liability-only plan.
The table below highlights the cheapest full-coverage insurance premiums in Baton Rouge, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $141 |
| USAA | $178 |
| Allstate | $229 |
| GEICO | $230 |
| Direct Auto | $255 |
State Farm offers the lowest average full-coverage premiums in the city, at $141 per month, according to Compare.com data.
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Your age is one of the top factors insurers look at when calculating your premiums. In general, teens pay the most for car insurance because they have the highest crash rates and pose the most risk to insurers. On the other hand, mature drivers tend to have more experience and fewer accidents which affords them lower insurance rates.
The following table breaks down car insurance rates by age group in Baton Rouge and the cheapest insurers for each, according to Compare.com data.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $519 | State Farm | $357 |
| 20s | $351 | State Farm | $251 |
| 30s | $260 | State Farm | $192 |
| 40s | $234 | State Farm | $179 |
| 50s | $211 | State Farm | $161 |
| 60s | $214 | State Farm | $152 |
| 70s | $215 | State Farm | $146 |
Next, we’ll look at the cheapest auto insurance in Baton Rouge for teens and seniors.
Teenagers pay the highest insurance premiums of any age group. Their crash rate is nearly three times higher than drivers age 20 and older, according to the Insurance Institute for Highway Safety (IIHS). This is due to factors including a lack of experience, distracted driving, and speeding, and it also causes rates for teens to skyrocket..
The citywide average for teens in Baton Rouge is $519, according to Compare.com data. But teens can find cheaper coverage with State Farm, at an average of $357 per month.
As you approach retirement age, you can expect to find some of the cheapest auto insurance rates. That’s because drivers older than 55 are more likely to obey speed limits, follow the rules of the road, and drive fewer miles, according to the Insurance Information Institute (Triple-I).
Baton Rouge drivers in their 60s pay an average of $214 per month for car insurance, according to Compare.com data. State Farm has the cheapest rates for this group, at an average rate of $152 per month.
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Your driving record is another variable that can affect your car insurance rates. Generally, a clean driving record will get you lower premiums than one that includes speeding tickets or other traffic violations. Insurers view these types of violations as risky and will charge you higher rates to offset the risk.
Here’s how different driving records can affect your auto premiums, as well as the cheapest insurer and its average rate for each, according to Compare.com data.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $274 | State Farm | $202 |
| Speeding ticket | $409 | State Farm | $275 |
| At-fault accident | $419 | State Farm | $263 |
| DUI | $475 | State Farm | $331 |
In the next few sections, we’ll take a look at how insurance premiums change if you get a ticket, cause an accident, or drive under the influence (DUI).
Speeding is risky driving behavior that has contributed to approximately one-third of motor vehicle fatalities over the past two decades, according to the National Highway Traffic Safety Administration (NHTSA). That’s why a single speeding ticket can cause insurance rates to go up by 27% nationally, according to Compare.com data.
The citywide average for drivers with a ticket is $409 per month. But State Farm offers the cheapest insurance rates in Baton Rouge after a ticket, at an average of $275 per month.
If you cause an accident, expect a rate increase. In fact, auto insurance rates can go up by 34% nationwide after an at-fault accident, according to Compare.com data. Keep in mind that Louisiana is a fault-based state, which means if you cause an accident, you’re responsible for paying for the other driver’s injuries and damages.
Citywide, Baton Rouge drivers pay an average rate of $419 per month after an at-fault accident. But State Farm offers this group the cheapest average rates, at $263 per month.
Drunk driving causes thousands of deaths each year. Approximately 32% of all traffic crash fatalities in the U.S. involve drunk drivers, according to NHTSA. That huge risk makes national average rates go up by 50% after a DUI, according to Compare.com data.
Baton Rouge drivers with a DUI on their record pay an average of $475 per month for car insurance. State Farm offers these drivers the lowest rate, at $331 per month.
You can find affordable rates with a less-than-perfect driving record.
Louisiana requires all drivers to purchase liability coverage with at least the following minimum limits:
$15,000 in bodily injury liability per person
$30,000 in bodily injury liability per accident
$25,000 in property damage liability coverage
Liability insurance protects you if you, a member of your family, or another driver you’ve permitted to drive your vehicle causes an accident and injures someone or damages their car.
Baton Rouge drivers should note that Louisiana has the “No Pay, No Play” law that prevents uninsured drivers from collecting the first $25,000 in property damages and the first $15,000 in personal injuries, regardless of who’s responsible for the accident.
Experts recommend buying higher limits than the minimum coverage, so consider increasing your limits and adding coverage such as MedPay, UM/UIM, collision, or comprehensive.
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You don’t have to accept high insurance rates when there are plenty of ways to lower your costs. If you’re looking for ways to cut your insurance bill in Baton Rouge, consider the following tips:
Increase your deductible. Your deductible is the amount you pay out of pocket before your insurance takes over. Paying a higher deductible is one way to reduce your monthly premiums. But before you raise your deductible, make sure you’re able to afford it if you have to file a claim.
Maintain good credit. Many insurers can use your credit information when calculating your insurance premiums. Maintaining good credit can help to reduce your rates.
Bundle insurance. Some companies offer discounts when you purchase two or more types of insurance — for instance, if you buy your homeowners and auto insurance or if you insure more than one vehicle with the same insurance company.
Compare quotes. Rates between insurance companies can vary. Compare quotes from at least three insurance companies before deciding which one is right for you.
Get personalized rates from Baton Rouge’s top insurers.
If you want to learn more about auto insurance in Baton Rouge, check out the following answers to some of our most commonly asked questions.
State Farm offers the cheapest car insurance in Baton Rouge, with an average monthly premium of $117, according to our analysis. But you should shop around for the best rates because State Farm may not be the cheapest option for you.
Baton Rouge drivers pay an average of $274 per month for car insurance, according to our data. That breaks down to $191 per month for liability coverage and $358 per month for full coverage.
Louisiana drivers must have bodily injury liability coverage of at least $15,000 per person and $30,000 per accident, as well as $25,000 in property damage coverage.
If the authorities catch you driving without insurance in Louisiana, you could face fines of $500 to $1,000. The state may suspend your driving privileges, impound your vehicle, revoke your registration, or cancel your license plate. If you get into an accident while uninsured, the state may suspend your license and revoke your registration for 180 days.
You can lower your car insurance costs in Louisiana in several ways. Consider increasing your deductible, bundling your home and auto insurance, looking for discounts, maintaining good credit, and comparing quotes from multiple insurance companies.
Sources:
City of Baton Rouge, "About Baton Rouge" accessed September 29, 2024
World Population Review, Louisiana Cities by Population (2024), ” accessed September 29, 2024.
Insurance Information Institute, “What determines the price of an auto insurance policy?” accessed September 29, 2024.
J.D. Power, “2023 U.S. Auto Claims Satisfaction Study,” accessed September 29, 2024.
Better Business Bureau, “State Farm Insurance Company” accessed September 29, 2024.
J.D. Power “2024 U.S. Auto Insurance Study,” accessed September 29, 2024.
Better Business Bureau, “Allstate Insurance,” accessed September 29, 2024.
Insurance Information Institute, “Risk factors for teen drivers,” accessed September 29, 2024.
Insurance Institute for Highway Safety, “Fatality Facts 2022 Teenagers,” accessed September 29, 2024.
Insurance Information Institute, “Do auto insurance premiums go up after a claim,” accessed September 29, 2024.
National Highway Traffic Safety Administration, “Speeding,” accessed September 29, 2024.
Louisiana Department of Insurance “Consumer’s Guide to Auto Insurance,” accessed September 29, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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