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.

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

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

McNeary, Inc

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

See All

Not sure about Baton Rouge

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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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