What's the Cost of Car Insurance in Baton Rouge?


On average, Baton Rouge premiums surpass Louisiana's average by 23%, so understanding premium costs while insuring a vehicle in Baton Rouge is imperative. Let's compare car insurance costs in Baton Rouge versus premiums across the nation.


AUTO INSURANCE RATES: BATON ROUGE VS. STATE/US MEAN
City AverageState AverageNational Average
$2,766$2,245$1,569


Baton Rouge Car Insurance by Driver Age

With payments of $11,405 on average, teenage drivers pay the most in car insurance premiums. Drivers in Baton Rouge see the largest dip in premiums when they hit their 20s, as they save an average of $8,912 from moving out of the teenage age range. When drivers turn 60, they will experience a rate increase related to their age for the first time. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest rates among any age group, with rates of $2,494.


BATON ROUGE CAR INSURANCE COSTS BY DRIVER AGE
AgeAverage Rate
Teenagers$11,405
20s$3,838
30s$2,742
40s$2,698
50s$2,494
60s$2,756
70s$2,629


Baton Rouge Car Insurance by Credit Score


Average car insurance premiums in Baton Rouge for those with Very Poor credit (300-579) are 2.3x higher than for those with Exceptional credit (800-850). Shifting from Very Poor (300-579) to Fair (580-669) brings in the largest drop in premiums, as drivers save an average of $2,006 per year.


BATON ROUGE CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Auto Insurance Rate
Very Poor$5,347
Fair$3,341
Good$2,766
Very Good$2,465
Exceptional$2,306


Baton Rouge Auto Insurance by Gender and Marital Status


Both marital status and gender are among the numerous driver attributes that can affect car insurance costs in Baton Rouge. Rates for those who are widowed are slightly cheaper than rates for those who are single. You can save roughly $110 per year if you're married as opposed to single. Unfortunately for women, their premiums are usually 3% more pricey than for men.


BATON ROUGE CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,841
Male$2,766
Single$2,766
Married$2,654
Divorced$2,766
Widowed$2,727


Baton Rouge Car Insurance for High-Risk Drivers


Knowing which driving mishaps can make your insurance premiums spike will help you make better decisions and save money. $1,328 is the extra cost per year for drivers with a DUI in Baton Rouge, compared to the city average of $2,766. Reckless driving will drive your premiums up as well, with typical rates of $4,198, which are 52% higher than the city average! For individuals in Baton Rouge with at-fault accidents in which damages exceeded $2,000, rates are an average of 6% more than at-fault accidents with damages less than $1,000.


AVERAGE BATON ROUGE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI/DWI$4,094
Reckless Driving$4,198
At-fault Accident (damages less than $1,000)$3,819
At-fault Accident (damages greater than $2,000)$4,057
Speeding Ticket (16-20 mph over speed limit)$3,341


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

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

Car Insurance Companies in Baton Rouge

Find Local Baton Rouge Agents

Alexander & Sanders Insurance, Inc.

4610 Bluebonnet Blvd Ste A Baton Rouge, LA 70809

David Cordell Insurance

7942 Picardy Ave Baton Rouge, LA 70809

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

Cory, Tucker & Larrowe, Inc.

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

Omni Group, LLC

9613 Brookline Ave Baton Rouge, LA 70809

Louisiana Insurance Center, Inc.

5432 Superior Drive Baton Rouge, LA 70816

Juban Insurance Group

4319 Bluebonnet Blvd Baton Rouge, LA 70809

Community Financial Insurance Center, LLC

4212 American Way, Ste A Baton Rouge, LA 70816

McNeary, Inc

4212 American Way Ste B Baton Rouge, LA 70816

Lewis Mohr Real Estate and Insurance Agency, LLC

11051 Coursey Blvd Ste A Baton Rouge, LA 70816

Perkins-McKenzie Ins Agcy Inc

4701 Bluebonnet Blvd. Baton Rouge, LA 70809

Blumberg and Associates

8560 Jefferson Hwy 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

Baton Rouge Insurance Agency

10734 Coursey Blvd. Baton Rouge, LA 70816

Henry Insurance Service, Inc.

9624 Brookline Avenue Baton Rouge, LA 70809

McInnis Insurance Services, Inc.

7814 Office Park Blvd Baton Rouge, LA 70809

Gulf South Insurance Agency, LLC

5714 Superior Dr Baton Rouge, LA 70816

Mid-South Insurance Agency of Baton Rouge, Inc.

4603 Bluebonnet Blvd Baton Rouge, LA 70809

Insurance Network of Louisiana, Inc.

4606 Bluebonnet Blvd. Baton Rouge, LA 70809

First Louisiana Insurance

18221 E. Petroleum Drive 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

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

See How Much You Can Save in Baton Rouge

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Recent Questions:

Baton Rouge Car Insurance

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Jul 08, 2019

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Additional Resources:

Baton Rouge Car Insurance

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