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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 Average (yearly) Louisiana Average U.S. Average
$2,855 $2,379 $1,548

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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.

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.

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.

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.

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.

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

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

Be Prepared For

Driving in Baton Rouge

Major Highways
I-10 I-12 I-110
Public Transit

Baton Rouge Car Insurance Companies Near Me

Find Local Baton Rouge Agents

Losey Insurance Agency

8550 Anselmo Ln, Baton Rouge, LA 70810

Wright & Percy Insurance Agency a division of BancorpSouth Insurance Services, Inc.

4041 Essen Lane, Ste 400, Baton Rouge, LA 70809

David Cordell Insurance

7942 Picardy Ave Suite D, Baton Rouge, LA 70809

Tyner-Jeter Insurance Agency, Inc.

5139 Bluebonnet Blvd, Baton Rouge, LA 70809

McInnis Insurance Services, Inc.

7814 Office Park Boulevard, Baton Rouge, LA 70809

Gulf South Insurance Agency, LLC

5714 Superior Dr, Baton Rouge, LA 70816

Blumberg and Associates

8560 Jefferson Hwy, Baton Rouge, LA 70809

FNBB Insurance Agency, Inc.

7813 Office Park Blvd., Baton Rouge, LA 70898

Bierman Group Insurance

5536 Superior Dr., Ste. D, Baton Rouge, LA 70816

Perkins-McKenzie Ins Agcy Inc

4701 Bluebonnet Blvd. Suite B, Baton Rouge, LA 70809

McInnis Insurance Services, Inc.

7814 Office Park Blvd, Baton Rouge, LA 70809

Community Financial Insurance Center, LLC

4212 American Way, Ste A, Baton Rouge, LA 70816

Lewis Mohr Real Estate and Insurance Agency, LLC

11051 Coursey Blvd Ste A, Baton Rouge, LA 70816

Alexander & Sanders Insurance, Inc.

4610 Bluebonnet Blvd Ste A, Baton Rouge, LA 70809

Juban Insurance Group

4319 Bluebonnet Blvd, Baton Rouge, LA 70809

Cory, Tucker & Larrowe, Inc.

4980 Bluebonnet Blvd., Suite C, Baton Rouge, LA 70809

Henry Insurance Service, Inc.

9624 Brookline Avenue, Baton Rouge, LA 70809

First Louisiana Insurance

18221 E. Petroleum Drive, Baton Rouge, LA 70809

Louisiana Insurance Center, Inc.

5432 Superior Drive Suite A, Baton Rouge, LA 70816

Omni Group, LLC

9613 Brookline Ave, Baton Rouge, LA 70809

McNeary, Inc

4212 American Way Ste B, Baton Rouge, LA 70816

Mid-South Insurance Agency of Baton Rouge, Inc.

4603 Bluebonnet Blvd, Baton Rouge, LA 70809

Baton Rouge Insurance Agency

10734 Coursey Blvd., Baton Rouge, LA 70816

Insurance Network of Louisiana, Inc.

4606 Bluebonnet Blvd., Baton Rouge, LA 70809


The average Baton Rougean's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 324 cups of coffee or $810 in savings

See How Much You Can Save in Baton Rouge

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.