Compare Baton Rouge, LA Car Insurance Rates (2021)

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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 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. 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. 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 senior car insurance rates 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 DUI car insurance by 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 coverage you choose 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 factors can have an impact on Baton Rouge, LA car insurance? 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.

Free Car Insurance Comparison

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