What drives up car insurance rates in Baton Rouge?
Car Insurance in Baton Rouge
Premiums in Louisiana, which are 56% greater than the national average, are known for being pricey. Premiums run even higher in the city, so in Baton Rouge, it is especially critical to cut costs while insuring a vehicle. Going over some ways to save on Baton Rouge car insurance can save you money.
- City Average: $2,639
- State Average: $2,225
- National Average: $1,427
Baton Rouge Car Insurance by Gender and Marital Status
Quite a few driver attributes, including gender and marital status, can have an effect on car insurance premiums in Baton Rouge. Females have premiums that are approximately 3% more pricey than those for males. Rates for those who are widowed are slightly cheaper than rates for those who are single. Married individuals save around 4% per year compared to those who are single or divorced.
- Female: $2,715
- Male: $2,639
- Single: $2,639
- Married: $2,526
- Divorced: $2,639
- Widowed: $2,618
Baton Rouge Car Insurance by Accident or Violation History
By knowing which driving mishaps can make the cost of car insurance premiums spike, you can make better decisions and save money. Being at-fault in an accident costs drivers an additional 47% per year in premiums compared to the city average. In Baton Rouge, drivers with a DUI need to spend 54% more than the city average to insure their vehicle. Reckless driving will also push your rates up, with average rates of $3,955, which are 50% higher than the city average.
- DUI: $4,062
- Reckless Driving: $3,955
- At-fault Accident (damages less than $1000): $3,889
- At-fault Accident (damages greater than $2000): $3,889
- Speeding Ticket (16-20 mph over speed limit): $3,198
Baton Rouge Car Insurance by Credit Rating
The discrepancy between average car insurance premiums in Baton Rouge for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $2,502 per year. Drivers can save around 19% per year when they raise their credit tier from Very Good (740-799) to Exceptional (800-850).
- Very Poor: $4,776
- Fair: $3,947
- Good: $3,330
- Very Good: $2,792
- Exceptional: $2,274
Baton Rouge Car Insurance by Age
Drivers in their 50s save money on insurance premiums, as they have the lowest rates among all age groups, paying only $2,359 each year. Car insurance premiums are highest for teenage drivers, with payments that average $11,082 per year. The greatest dip in premiums between any age group is from the teenage age range to the 20s, as drivers in Baton Rouge start saving an average of 67% annually. Turning 60 causes a rise in car insurance premiums, but up until that age drivers can anticipate premium reductions when they progress between age groups.
- Teenagers: $11,082
- 20s: $3,647
- 30s: $2,613
- 40s: $2,558
- 50s: $2,359
- 60s: $2,617
- 70s: $2,708
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Baton Rouge Agents
Blumberg and Associates
8560 Jefferson Hwy Baton Rouge, LA 70809
Baton Rouge Insurance Agency
10734 Coursey Blvd. Baton Rouge, LA 70816
First Louisiana Insurance
18221 E. Petroleum Drive Baton Rouge, LA 70809
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
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
Omni Group, LLC
9613 Brookline Ave Baton Rouge, LA 70809
FNBB Insurance Agency, Inc.
7813 Office Park Blvd. Baton Rouge, LA 70898
Louisiana Insurance Center, Inc.
5432 Superior Drive Baton Rouge, LA 70816
Henry Insurance Service, Inc.
9624 Brookline Avenue Baton Rouge, LA 70809
David Cordell Insurance
7942 Picardy Ave Baton Rouge, LA 70809
4212 American Way Ste B Baton Rouge, LA 70816
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
Mid-South Insurance Agency of Baton Rouge, Inc.
4603 Bluebonnet Blvd Baton Rouge, LA 70809
McInnis Insurance Services, Inc.
7814 Office Park Boulevard Baton Rouge, LA 70809
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
Tyner-Jeter Insurance Agency, Inc.
5139 Bluebonnet Blvd Baton Rouge, LA 70809
Insurance Network of Louisiana, Inc.
4606 Bluebonnet Blvd. Baton Rouge, LA 70809
Juban Insurance Group
4319 Bluebonnet Blvd Baton Rouge, LA 70809
Losey Insurance Agency
8550 Anselmo Ln Baton Rouge, LA 70810
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Baton Rouge Car Insurance
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