Baton Rouge, LA Car Insurance

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
$2,855	$2,379	$1,548

Jump to:

• Company
• Age group
• Marital status/gender
• Driving history
• Credit score

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
State Farm	$2,320
Southern Farm Bureau	$2,438
GEICO	$2,731
Allstate	$3,090
Progressive	$3,276

Read our guide to finding the best cheap auto insurance.

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
Teenagers	$14,132
20s	$3,854
30s	$2,831
40s	$2,776
50s	$2,524
60s	$2,813
70s	$2,907

Learn more about the impact of age on auto insurance rates.

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
Female	$3,031
Male	$2,855
Single	$2,746
Married	$2,746
Divorced	$2,855
Widowed	$2,842

Learn more about how gender and marital status have on car insurance rates.

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
DWI/DUI	$4,187
Reckless Driving	$4,057
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

Get more info on how a bad driving history can impact your car insurance costs.

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
Very Poor	$5,535
Fair	$3,575
Good	$2,855
Very Good	$2,602
Exceptional	$2,349

Learn more about the relationship between poor credit and car insurance.

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