How Much Does Car Insurance Cost in Baton Rouge?


Baton Rouge premiums, which are 19% greater than Louisiana's average, are known for being expensive. Therefore being knowledgeable about premiums while insuring a vehicle in Baton Rouge is vital. Who doesn't like saving money? Check out some methods to save on car insurance in Baton Rouge.


AUTO INSURANCE RATES: BATON ROUGE VS. STATE/NATIONAL AVERAGES
City AverageState AverageNational Average
$2,639$2,225$1,427


Baton Rouge Auto Insurance by Accident or Violation History


By knowing which driving mishaps can make your insurance premiums spike, you can make better decisions and save money. A DUI will increase your car insurance premiums more than other driving violations. In general, a DUI in Baton Rouge will cost you 54% more in car insurance premiums versus the city average of $2,639. Reckless driving will bump your premiums up as well, with typical rates of $3,955. In Baton Rouge, individuals who are found at-fault in an accident pay 47% more per year to insure their vehicle.


AVERAGE BATON ROUGE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Premium
DUI$4,062
Reckless Driving$3,955
At-fault Accident (damages less than $1,000)$3,889
At-fault Accident (damages greater than $2,000)$3,889
Speeding Ticket (16-20 mph over speed limit)$3,198


Baton Rouge Auto Insurance by Credit Rating


Average car insurance premiums in Baton Rouge for those with Very Poor credit (300-579) are more than twice the premiums for those with Exceptional credit (800-850). Drivers can save approximately $518 per year when they improve their credit tier from Very Good (740-799) to Exceptional (800-850).


BATON ROUGE CAR INSURANCE COSTS BY CREDIT LEVEL
Credit QualityAverage Car Insurance Rate
Very Poor$4,776
Fair$3,947
Good$3,330
Very Good$2,792
Exceptional$2,274


Baton Rouge Auto Insurance by Gender and Marital Status


In Baton Rouge, both marital status and gender can play a part in your car insurance premiums. 3% is the amount by which men's and women's car insurance premiums deviate. Rates for those who are widowed are slightly cheaper than rates for those who are single. You can save 4% per year if you're married as opposed to single.


BATON ROUGE AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,715
Male$2,639
Single$2,639
Married$2,526
Divorced$2,639
Widowed$2,618


Baton Rouge Car Insurance by Age

With average car insurance payments of $11,082, teenage drivers have the most expensive rates of any age group. The biggest drop in premiums for Baton Rouge drivers happens when they hit their 20s. Once out of the teenage age bracket, they pay $7,435 less in premiums. Premiums continue to trend downward up until drivers hit 60. Drivers in their 50s save money on car insurance, as they have the smallest rates among all age groups, paying only $2,359 a year.


BATON ROUGE AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$11,082
20s$3,647
30s$2,613
40s$2,558
50s$2,359
60s$2,617
70s$2,708


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

116

Rainy Days a Year

68"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Baton Rouge

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

Car Insurance Companies in Baton Rouge

Find Local Baton Rouge Agents

McNeary, Inc

4212 American Way Ste B Baton Rouge, LA 70816

McInnis Insurance Services, Inc.

7814 Office Park Blvd Baton Rouge, LA 70809

First Louisiana Insurance

18221 E. Petroleum Drive Baton Rouge, LA 70809

Cory, Tucker & Larrowe, Inc.

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

Losey Insurance Agency

8550 Anselmo Ln Baton Rouge, LA 70810

Henry Insurance Service, Inc.

9624 Brookline Avenue Baton Rouge, LA 70809

Perkins-McKenzie Ins Agcy Inc

4701 Bluebonnet Blvd. Baton Rouge, LA 70809

Tyner-Jeter Insurance Agency, Inc.

5139 Bluebonnet Blvd Baton Rouge, LA 70809

Omni Group, LLC

9613 Brookline Ave Baton Rouge, LA 70809

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

4041 Essen Lane, Ste 400 Baton Rouge, LA 70809

Insurance Network of Louisiana, Inc.

4606 Bluebonnet Blvd. Baton Rouge, LA 70809

McInnis Insurance Services, Inc.

7814 Office Park Boulevard Baton Rouge, LA 70809

Juban Insurance Group

4319 Bluebonnet Blvd Baton Rouge, LA 70809

Louisiana Insurance Center, Inc.

5432 Superior Drive Baton Rouge, LA 70816

David Cordell Insurance

7942 Picardy Ave Baton Rouge, LA 70809

Bierman Group Insurance

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

FNBB Insurance Agency, Inc.

7813 Office Park Blvd. Baton Rouge, LA 70898

Lewis Mohr Real Estate and Insurance Agency, LLC

11051 Coursey Blvd Ste A Baton Rouge, LA 70816

Community Financial Insurance Center, LLC

4212 American Way, Ste A 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

Blumberg and Associates

8560 Jefferson Hwy Baton Rouge, LA 70809

Alexander & Sanders Insurance, Inc.

4610 Bluebonnet Blvd Ste A Baton Rouge, LA 70809

Gulf South Insurance Agency, LLC

5714 Superior Dr Baton Rouge, LA 70816

See All

Not sure about Baton Rouge

Check out these other Louisiana cities...

New Orleans

$2,026

The average Baton Rougean's annual cost of coverage

40%

Our customer's average savings after comparing insurance

324

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

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Baton Rouge Car Insurance

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