Car Insurance in Baton Rouge (2020)

Car insurance in Baton Rouge, Louisiana has average rates of $179/mo. The minimum liability coverage in LA is 15/30/25. Compare quotes below for free.

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UPDATED: May 13, 2020

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Here's what you need to know...
  • The average cost of car insurance coverage in Baton Rouge is $2,148 per year
  • The state of Louisiana has minimum requirements for car insurance coverage
  • Residents of Baton Rouge can do things to lower their car insurance premiums, such as choosing a higher deductible


Baton Rouge residents may struggle to find cheap rates for car insurance. Drivers in Baton Rouge are expected to purchase liability coverage like in every other state in the country.

The difference here is that these people will probably be charged a hefty amount for their coverage.

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Car Insurance Requirements for Baton Rouge

In Baton Rouge, in order to register their vehicles, drivers have to purchase bodily injury liability coverage in the amount of $25,000.

Because at-fault drivers will have been found liable for provoking the car accident, they will need to pay the injured driver’s and passengers’ medical bills.

If a driver has purchased the minimum car insurance, $25,000 is the most that can be designated toward the medical expenses for one person injured in the car crash.

They will also need to purchase $50,000 of bodily injury coverage that will be allocated to the entire accident. At the most, two people can file claims for their bodily injuries for $25,000 each.

The at-fault driver will also need to be able to pay all of the repair bills for all property that has been damaged in the car collision.

They must have purchased $25,000 of bodily injury liability coverage for this purpose. It will cover car repairs and any damage that occurred to the city’s property.

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Proof of Car Insurance While in Baton Rouge

Baton Rouge drivers should have their car insurance card with them whenever they drive because they will need to present some proof of insurance if they break any of the city’s driving laws.

Police officers will ask for this proof when they ask for the driver’s license, so it is just as important as having a driver’s license when people operate their vehicles.

Without this proof:

  1. The officer will give the driver a violation notice.
  2. The officer will also remove the vehicle’s license plates.
  3. The vehicle will be impounded.

After the three consequences listed above have taken place, these Baton Rouge drivers must present their certificates of insurance within three days if they want to avoid having to re-register their vehicles.

Cancellation Policies in Baton Rouge

Baton Rouge drivers aren’t allowed to cancel their auto insurance without notifying the Office of Motor Vehicles (OMV). But the auto insurance company may cancel the policy.

If this happens, these drivers have certain obligations. They must present proof that they have purchased another insurance policy within 10 days.

If the drivers are no longer in possession of the vehicle, they must demonstrate this to the OMV to avoid the penalties. The penalties will be an increasing amount in fees to reinstate their driver’s licenses.

If they miss the ten-day deadline, they will need to pay:

  • $50 to reinstate their licenses between eleven and thirty days
  • $125 to reinstate between thirty-one and ninety days
  • $225 to reinstate after ninety-one days

It also may be the case that drivers will cancel their policies because they have found better rates or sold their old cars.

They must notify the OMV before the policy can be canceled. They will need to give their license plates to their local OMV as well as turn in a Statement of Non-Use.

Completing these actions will keep them from being confronted with the repercussions outlined above.

Deductible Amounts for Car Insurance in Baton Rouge

When people purchase Baton Rouge car insurance, they will pay premiums.

These premiums can be paid once per year but if people need to, they can also break up their payments throughout the year.

This isn’t the end of what will be required of policyholders.

Baton Rouge car insurance also contains a car insurance deductible.

The deductible is what the policyholder will need to pay before the auto insurance company begins to take over the payments as the policyholder files claims with the company.

The policyholder can decide how high this deductible will be.

They commonly have these choices:

  • A $100 deductible
  • A $250 deductible
  • A $500 deductible
  • A $1,000 deductible

Most of the time, when people discuss auto insurance and which deductible to choose, they discuss a high deductible.

Typically, people choose a high deductible because they are looking for a way to lower their auto insurance rates. But there are also reasons to choose a low deductible.

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Car Insurance Suggestions in Baton Rouge

Policyholders should consider lowering their deductibles for multiple reasons.

First, a low deductible will protect policyholders if they can’t afford $1,000 for repairs in case of an accident. Often, these individuals are considered high-risk.

People who fall under the high-risk driver category include:

  • those who aren’t earning a high enough salary to afford high-cost repairs
  • anyone who has insufficient funds in their bank accounts
  • drivers who have high expenses each month

Second, a low deductible may be a wise choice for those who spend more time on the road.

These people have a higher risk of either causing a collision or being a part of a collision caused by another driver.

If Baton Rouge drivers choose to have high deductibles in order to lower their auto insurance premiums, when they file a claim with their insurance companies for vehicle repairs, they will need to pay.

High-Risk Car Insurance in Baton Rouge

Some people don’t have a choice as to the price of their deductibles.

People who are considered to be high-risk such as those who have DUIs on their driving records will have their deductibles set for them.

If a vehicle is financed, the financing company will be the one to require the amount of the deductible in a lot of cases.

The same can be true for those who are leasing their vehicles.

Although these people don’t have a choice of deductibles, they do have a choice of car insurance companies.

If they are forced to have a deductible that causes agencies to quote high rates, they can compare car insurance quotes from more than one Baton Rouge car insurance company.

Car Insurance Rates for Baton Rouge

Baton Rouge drivers can expect to pay an average car insurance rate of $2,148. This rate is actually lower than the state average, which is $2,453 per year.

The reason the Louisiana car insurance rate is so high is because, in order for a lawsuit to qualify for a jury trial, the plaintiff’s claims must amount to at least $50,000.

Most of the time, this is not the case.

When the claim is less than $50,000, the case will be heard by a judge who will decide which side prevails.

According to the National Association of Insurance Commissioners, these judges tend to favor the public who votes for them rather than the insurance companies.

As a result, those who file claims often prevail in Baton Rouge. The auto insurance companies make up their losses by raising everyone’s premiums.

Comparing quotes with our free comparison tool will help Baton Rouge drivers find the least expensive car insurance possible.

If they have limited funds available and need a low deductible, they need to do everything they can to keep their premiums low.

Our zip code search will give you a list of quotes from multiple companies. Try our the FREE tool below today!

References:

  1. https://www.expresslane.org/Pages/default.aspx
  2. http://www.investopedia.com/terms/i/insurance-premium.asp
  3. http://auto.howstuffworks.com/buying-selling/car-insurance3.htm
  4. http://money.usnews.com/money/personal-finance/articles/2013/10/04/decoding-the-mysteries-of-high-risk-car-insurance
  5. http://www.naic.org/index_about.htm

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