How much does car insurance cost in Baton Rouge?
The typical Baton Rouge driver pays $2,855 per year for car insurance. That's greater than than the average across Louisiana ($2,379) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Baton Rouge.
BATON ROUGE CAR INSURANCE RATES
|Baton Rouge Average (yearly)||Louisiana Average||U.S. Average|
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Baton Rouge car insurance rates by insurer
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, State Farm offers Baton Rouge's cheapest rates. Reference below the top options for affordable insurance in Baton Rouge. Don't forget to get car insurance quotes based on your unique driving profile.
BATON ROUGE AUTO INSURANCE RATES BY COMPANY
|Insurer||Average Yearly Rate|
|Southern Farm Bureau||$2,438|
Car insurance rates by age bracket in Baton Rouge
The age bracket that pays the least for auto insurance in Baton Rouge consists of drivers in their 50s, who pay an average of $2,524. Those in their 40s don't pay significantly more ($2,776).
Teenage drivers pay Baton Rouge's most expensive insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Baton Rouge is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Baton Rouge is $10,277, the largest such difference between any two age groups.
BATON ROUGE AUTO INSURANCE COSTS BY AGE
|Age||Average Yearly Rate|
Baton Rouge auto insurance premiums by gender and marital status
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Baton Rouge pay $109 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Baton Rouge, single drivers pay more than those who are widowed.
Gender is another factor that can influence auto insurance rates. In Baton Rouge, female drivers pay more for auto insurance than do male drivers: $176 per year, to be precise.
INSURANCE RATES IN BATON ROUGE BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Baton Rouge auto insurance premiums by accident and citation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Baton Rouge, a reckless driving citation results in an average insurance rate increase of $1,203 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,332 increase and a speeding ticket triggers a $550 rate hike.
BATON ROUGE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Incident/Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$4,199|
|At-fault Accident (damages greater than $2,000)||$4,231|
|Speeding Ticket (16-20 mph over speed limit)||$3,405|
Baton Rouge car insurance rates by credit tier
It's no secret credit score is closely correlated with auto insurance rates. In fact, Baton Rouge drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 58% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Baton Rouge, improving your credit to "Fair" could help you earn a $1,960 decrease in annual car insurance rates.
BATON ROUGE CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|
What drives up car insurance rates in Baton Rouge?
Where you live in Baton Rouge affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Baton Rouge is no exception to the rule. From ZIP code 70820 to 70805, premiums rise by 8 percent—that’s $149.
Expensive Baton Rouge ZIP codes: 70819, 70814, 70802, 70812, 70805
Cheap Baton Rouge ZIP codes: 70820, 70803, 70808, 70810, 70817
Baton Rouge Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Baton Rouge, you can expect 116 rainy days with an annual rainfall of 68 inches. Baton Rouge is also known to experience thunderstorms and occasional hurricanes.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Baton Rouge Agents
First Louisiana Insurance
18221 E. Petroleum Drive, Baton Rouge, LA 70809
Louisiana Insurance Center, Inc.
5432 Superior Drive Suite A, Baton Rouge, LA 70816
Baton Rouge Insurance Agency
10734 Coursey Blvd., Baton Rouge, LA 70816
Omni Group, LLC
9613 Brookline Ave, Baton Rouge, LA 70809
Alexander & Sanders Insurance, Inc.
4610 Bluebonnet Blvd Ste A, Baton Rouge, LA 70809
Mid-South Insurance Agency of Baton Rouge, Inc.
4603 Bluebonnet Blvd, Baton Rouge, LA 70809
FNBB Insurance Agency, Inc.
7813 Office Park Blvd., Baton Rouge, LA 70898
Wright & Percy Insurance Agency a division of BancorpSouth Insurance Services, Inc.
4041 Essen Lane, Ste 400, Baton Rouge, LA 70809
Blumberg and Associates
8560 Jefferson Hwy, Baton Rouge, LA 70809
Henry Insurance Service, Inc.
9624 Brookline Avenue, Baton Rouge, LA 70809
Community Financial Insurance Center, LLC
4212 American Way, Ste A, Baton Rouge, LA 70816
McInnis Insurance Services, Inc.
7814 Office Park Blvd, Baton Rouge, LA 70809
Bierman Group Insurance
5536 Superior Dr., Ste. D, Baton Rouge, LA 70816
Juban Insurance Group
4319 Bluebonnet Blvd, Baton Rouge, LA 70809
Perkins-McKenzie Ins Agcy Inc
4701 Bluebonnet Blvd. Suite B, Baton Rouge, LA 70809
Insurance Network of Louisiana, Inc.
4606 Bluebonnet Blvd., Baton Rouge, LA 70809
David Cordell Insurance
7942 Picardy Ave Suite D, Baton Rouge, LA 70809
Lewis Mohr Real Estate and Insurance Agency, LLC
11051 Coursey Blvd Ste A, Baton Rouge, LA 70816
Cory, Tucker & Larrowe, Inc.
4980 Bluebonnet Blvd., Suite C, Baton Rouge, LA 70809
Gulf South Insurance Agency, LLC
5714 Superior Dr, Baton Rouge, LA 70816
4212 American Way Ste B, Baton Rouge, LA 70816
Tyner-Jeter Insurance Agency, Inc.
5139 Bluebonnet Blvd, Baton Rouge, LA 70809
McInnis Insurance Services, Inc.
7814 Office Park Boulevard, Baton Rouge, LA 70809
Losey Insurance Agency
8550 Anselmo Ln, Baton Rouge, LA 70810
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