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Do you need cheap auto insurance in Baton Rouge, Louisiana? At AutoInsuranceEZ.com, you’ll find the cheapest insurance rates in your area. To acquire free car insurance quotes from the best providers today, provide your zip code into the quote box on this page.

Baton Rouge is the second largest city in Louisiana and also the state capital. It borders the Mississippi River and acts as an important hub for trade and economics in the Sun Belt region of the United States. While fair weather and Cajun culture make it a desirable place to call home, recent investments in downtown construction are making it easier for people to get around without driving everywhere.

  • Fun fact: Did you know that Baton Rouge is #59 on the list of “Top 100 cities with highest percentage of college students (pop. 50,000+)”?

Auto Insurance Coverage Requirements in Louisiana

Driving legally in Baton Rouge is easy, as long as you have:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 15,000/30,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 10,000/20,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 50 deductible

Conversely, the small mandatory state minimums for automotive insurance in Louisiana might actually contribute towards making insurance more expensive for everyone. If your provider pessimistically assumes everyone is carrying minimum coverage, they may raise your rates to offset the likelihood that any claims you file will be very expensive.

Louisiana rates are on the top 10 list of highest in the country. Many motorists are paying around $164 or more monthly to remain covered. But Baton Rouge motorists can lower their monthly bill down to $79/mo* or less by following our advice.

Average Monthly Auto Insurance Premiums Legend: Baton Rouge Southern Farm Bureau State Farm Allstate Liberty Mutual Encompass 10 20 30 40 50 60 70 80 90 $62 $76 $89 $90 $79

 

Encompass, State Farm, and the Southern Farm Bureau all want your business, and are offering competitive rates in Baton Rouge in order to get it. But do your research first. Find out which one of these low bidders has stellar customer service and/or a streamlined claims filing process before you decide to switch.

Auto insurance carriers consider many variables when establishing insurance quotes, including driving experience, driving violations, occupation, how many years of driving experience you have, and current insurance coverage and limits. Also keep in mind that premiums vary from carrier to carrier. To make sure you’re still being charged the most favorable rate, compare cheap Louisiana auto insurance quotes online.

Major Car Insurance Factors in Baton Rouge

Insurance companies take several variables into account when creating an auto insurance policy. Unfortunately, many of these factors are difficult or impossible to change, such as your gender or where you live. Other elements your car insurance company may consider include:

  • Your Zip Code

Where you park your vehicle each night will have a serious influence on your auto insurance rate. Generally, auto insurance is less expensive in rural areas because fewer cars means a smaller likelihood that you will get into a collision with another vehicle. The population of Baton Rouge is 229,426 and the median household income is $38,321.

Auto Insurance by Zip Code Legend: New Orleans Baton Rouge Lafayette Lake Charles Shreveport Southern Farm Bureau State Farm Allstate Liberty Mutual Encompass 10 20 30 40 50 60 70 80 90 100 110 120 130 140 $62 $62 $59 $44 $40 $93 $76 $68 $64 $59 $141 $89 $72 $83 $73 $146 $90 $79 $87 $72 $130 $79 $87 $82 $60

 

  • Automotive Accidents

Any area with high accident statistics might also have a problem with higher than average monthly premiums, too. And Baton Rouge is no exception. The per capita accident rate is fairly high, but there may still be ways to lower your premiums. Ask your provider about Safe Driver discounts to offset some of this expense.

Fatal Accidents in Baton Rouge Legend: Baton Rouge Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 10 20 30 40 50 60 32 50 2 32 64 10

 

  • Auto Thefts in Baton Rouge

Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs. The total number of stolen vehicles in Baton Rouge was 506 back in 2013. These are actually really low stats for the area. Drivers might be able to lower monthly rates on insurance by adjusting their Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Southern Farm Bureau State Farm Allstate Liberty Mutual Encompass 25 50 75 100 125 150 175 200 225 $62 $154 $76 $141 $89 $168 $90 $237 $79 $185

 

  • Your Credit Score

Drivers with good credit get great premiums, as the chart below shows. For those with poor credit, however, monthly premiums can get very expensive. If you have bad credit, start tracking your score and taking steps to improve it if you want to lower your monthly insurance bill.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Southern Farm Bureau State Farm Allstate Liberty Mutual Encompass 15 30 45 60 75 90 105 120 135 150 $54 $92 $65 $126 $82 $119 $69 $161 $72 $112

 

  • Your Age

While older drivers get offered cheaper premiums based on their many years of experience, younger drivers have to pay more per month for their lack of it. But Good Student and Driver’s Ed discounts can help make insurance more affordable for young drivers.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Southern Farm Bureau State Farm Allstate Liberty Mutual Encompass 30 60 90 120 150 180 210 240 270 300 330 360 $62 $221 $76 $253 $89 $198 $90 $362 $79 Do Not Sell

 

  • Your Driving Record

Serious citations on your driving record, such as Reckless Driving or DUI violations, will significantly increase your premiums and may make finding coverage impossible. But for drivers with a relatively clean record, Accident Forgiveness discounts can help you save if you have a minor citation or two on your record.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Southern Farm Bureau State Farm Allstate Liberty Mutual Encompass 15 30 45 60 75 90 105 120 135 $62 $62 $62 $66 $76 $83 $83 $90 $89 $110 $130 $145 $90 $123 Do Not Sell $138 $79 $99 Do Not Sell $112

 

  • Your Vehicle

Luxury vehicles aren’t just expensive to buy – they’re also expensive to insure. After all, if you carry the state minimum coverage on a vehicle with a six figure price tag, you’re going to be left with thousands of dollars in bills if you have to file a claim, even if your provider pays out the maximum amount.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Southern Farm Bureau State Farm Allstate Liberty Mutual Encompass 25 50 75 100 125 150 175 200 225 250 $62 $164 $76 $181 $89 $224 $90 $252 $79 $186

 

Minor Car Insurance Factors in Baton Rouge

Of course, there are also these factors:

  • Your Marital Status

If you’re married, then you get to take advantage of bundling discounts which single drivers don’t have access to. And it doesn’t stop at auto insurance. If you are currently covered by a major provider, ask and see if they offer other forms of insurance, such as homeowners, to bundle with as well.

  • Your Gender

Which are better drivers, men or women? Well, if you ask 5 different insurance agent, you’ll get 6 different answers. The way companies charge based on gender varies from one provider to another. Most don’t bother charging different rates at all, while some only vary their premiums by a percentage point or two.

  • Your Driving Distance to Work

The most common work commute for Baton Rouge drivers spans 15-23 minutes. A large majority of workers, over 75%, prefer to take their own vehicle into work. Around 5-17% choose to carpool with their co-workers.

Did you know that business vehicles cost 10-11% more on average to insure than personal-use ones? Also, the monthly premium cost between diving 5,000 miles per year and 15,000 miles per year isn’t as big as you think. Slashing your total mileage may only save you about 3-4% on premium costs.

  • Your Coverage and Deductibles

One trick for lowering your monthly insurance bill is to increase your deductible. If you don’t anticipate any impending need to file a claim, it can be a great way to save money. But you will be responsible for that deductible should you end up filing a claim, so make sure you can afford it first.

  • Education in Baton Rouge, LA

Increasingly, insurance providers have started offering lower rates to drivers who have gone above and beyond a high school education. Hoping that your insurer will give you discounts based on your profession or salary is moot. In Baton Rouge, the largest number of drivers have achieved their high school diploma. The difference between the amount of people who have yet to obtain a diploma and those who have a bachelor’s degree is less than 1%.

There is a virtual buffet of schools available for Baton Rouge residents who wish to further their education. LSU (Louisiana State University) and SU (Southern University) are two major public four-year institutions which educate over 40,000 students combined. They offer bachelor’s and other advanced degrees. There is also the Baton Rouge Community College, a large institution providing associate’s degrees to more than 4,000 students. Additionally, there are more than a dozen different vocational schools to choose from.

Locating affordable auto insurance can be a hassle. There’s lots of information you need to consider, and understanding how insurance companies examine your potential risk can be complex. But try not to let the wrong insurance company talk you into buying the wrong policy. Learn more about Baton Rouge, LA.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Louisiana Department of Insurance

Louisiana Office of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Auto Insurance in Baton Rouge, Louisiana – See How Much You Can Save

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