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 AverageU.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.


BATON ROUGE AUTO INSURANCE RATES BY COMPANY
InsurerAverage 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
AgeAverage 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/GenderAverage 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/ViolationAverage 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 TierAverage 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.

116

Rainy Days a Year

68"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Baton Rouge

2
Major Highways
I-10 I-12 I-110
2
Public Transit
CATS Bus

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

McNeary, Inc

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

Not sure about Baton Rouge

Check out these other Louisiana cities:

New Orleans

2

$2,026

The average Baton Rougean's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

324

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

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Recent Questions:

Baton Rouge Car Insurance

Can my ex-husband insure my car in his name or on his policy?

As long as your husband is going to drive the vehicle and park it as his residence, he can insure your car under his name and policy. Because you own it, you would need to be listed as an additional interest in the policy.

Where can I get non owner car insurance in Baton Rouge?

You should be able to get a non owners policy through a local agent in the Baton Rouge area. This will allow you to test drive vehicles if you plan on getting a car and will keep you legally insured when you drive other vehicles too.

Does The Zebra offer quotes in every state?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Our website is live in all 50 states and designed to help shoppers save time by showing multiple options regardless of state to point them to their best option. We also have an in-house agency that is live in 9 states and we are constantly expanding our footprint to provide more options for people in more states.