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 Average||State Average||National Average|
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
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 Score||Average Auto Insurance Rate|
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/Gender||Average Rate|
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/Incident||Average Annual Premium|
|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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Baton Rouge Agents
Mid-South Insurance Agency of Baton Rouge, Inc.
4603 Bluebonnet Blvd Baton Rouge, LA 70809
Henry Insurance Service, Inc.
9624 Brookline Avenue Baton Rouge, LA 70809
McInnis Insurance Services, Inc.
7814 Office Park Blvd Baton Rouge, LA 70809
Wright & Percy Insurance Agency a division of BancorpSouth Insurance Services, Inc.
4041 Essen Lane, Ste 400 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
Louisiana Insurance Center, Inc.
5432 Superior Drive 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
Losey Insurance Agency
8550 Anselmo Ln Baton Rouge, LA 70810
Cory, Tucker & Larrowe, Inc.
4980 Bluebonnet Blvd., Suite C Baton Rouge, LA 70809
FNBB Insurance Agency, Inc.
7813 Office Park Blvd. Baton Rouge, LA 70898
Juban Insurance Group
4319 Bluebonnet Blvd Baton Rouge, LA 70809
Community Financial Insurance Center, LLC
4212 American Way, Ste A Baton Rouge, LA 70816
Alexander & Sanders Insurance, Inc.
4610 Bluebonnet Blvd Ste A 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
Perkins-McKenzie Ins Agcy Inc
4701 Bluebonnet Blvd. Baton Rouge, LA 70809
David Cordell Insurance
7942 Picardy Ave Baton Rouge, LA 70809
McInnis Insurance Services, Inc.
7814 Office Park Boulevard Baton Rouge, LA 70809
4212 American Way Ste B Baton Rouge, LA 70816
Bierman Group Insurance
5536 Superior Dr., Ste. D Baton Rouge, LA 70816
Tyner-Jeter Insurance Agency, Inc.
5139 Bluebonnet Blvd Baton Rouge, LA 70809
Lewis Mohr Real Estate and Insurance Agency, LLC
11051 Coursey Blvd Ste A Baton Rouge, LA 70816
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