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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo

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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Louisiana has the most expensive premiums in the country, and Baton Rouge is no exception when it comes to higher premiums. Residents of the Capital City pay an average of $1,189 annually for minimum coverage and $3,091 for a full coverage policy — nearly double the . Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT

Rates increased up to 12% this year

Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More To find the best car insurance company in Baton Rouge, Bankrate analyzed numerous categories among carriers in the area, including customer service ratings, 2022 quoted premiums and coverage options. Our analyses of these companies may help you to not only find the best policy, but also the companies offering the .

Best car insurance companies in Baton Rouge

While a number of carriers have a combination of good customer reviews, financial strength and digital tools for policy management, finding one that also offers may be a harder task. Bankrate narrowed down a few options worthy of consideration as you are choosing the best car insurance in Baton Rouge. Insurance company
(Southeast region) Average annual premium for minimum coverage Average annual premium for full coverage Geico 857 / 1,000 $721 $2,416 USAA 909 / 1,000 $857 $2,222 Southern Farm Bureau N/A $911 $2,558 State Farm 835 / 1,000 $1,078 $3,474

Geico

For 85 years, Geico has provided insurance coverage and is now the of auto insurance in the U.S. In addition to its long heritage of providing policies, Geico offers affordable rates for drivers in Baton Rouge, with the lowest of the carriers surveyed. Geico also scores an impressive 857 out of 1,000 points, ranking as one of the top carriers in the 2020 J.D. Power Auto Insurance Study. Learn more:

USAA

USAA not only provides auto insurance to current members of the military, veterans and their immediate family members, but it is also the fifth-largest provider of auto insurance in the U.S. USAA offers the standard coverages drivers might expect as well as unique ones tailored to members of the military, such as a discount option to reduce premiums when on deployment or and not driving an insured vehicle. USAA received the highest number of customer satisfaction points in the J.D. Power Auto Insurance Study, scoring 909 out of 1,000. Although it is rank-ineligible due to membership restrictions, USAA’s high score likely directly translates to Baton Rouge policyholders’ experiences. Learn more:

Southern Farm Bureau

Although Southern Farm Bureau does not have a J.D. Power score, it does have an rating from AM Best. Southern Farm Bureau services six states, including Louisiana, and relies on a network of local agents. Along with standard coverage options, you can find optional ones through Southern Farm Bureau, such as roadside assistance and medical payments coverage, to round out your policy. Learn more:

State Farm

State Farm has offered insurance since 1922 and today operates as the largest provider of auto insurance in the U.S. Although it does not score as high in its J.D. Power score as the other carriers among the Southeast region, State Farm does offer competitive rates for drivers in Baton Rouge. The discounts are attractive too, with possible defensive driving to good grades. Learn more:

Cheapest car insurance in Baton Rouge

Drivers in Baton Rouge may want to research and compare carriers in order to find the best cheap insurance in the area. With average rates of $1,189 annually for minimum coverage and $3,091, which is higher than the Louisiana state average of $2,724 for full coverage. Insurance company Average annual premium for minimum coverage Average annual premium for full coverage Geico $721 $2,416 USAA $857 $2,222 State Farm $1,078 $3,474 Progressive $1,396 $3,820 Allstate $1,487 $3,599 There are a number of carriers offering competitive rates for , while also offering a wide variety of other advantages. For instance, Geico, USAA, State Farm, Progressive and Allstate all earn Superior A+ or higher ratings with AM Best. All offer the use of a mobile app for policy management, although the State Farm app allows you to obtain a quote and purchase a policy right at your fingertips.

Baton Rouge insurance requirements

requires drivers to carry minimum amounts of , including 15/30/25 of liability insurance. This includes: $15,000 bodily injury per person $30,000 bodily injury per accident $25,000 for property damage While you may be tempted to purchase the bare minimum to fit your budget, it may not be enough coverage to provide adequate financial protection should you be involved in an accident. For instance, if you are involved in an accident with someone who does not have their own insurance policy and they are ruled at fault, then uninsured motorist coverage would provide additional medical payments for your injuries. Your lender may also require full coverage if you lease your vehicle.

Car insurance discounts in Baton Rouge

Because the in Baton Rouge tend to be higher than the national average, you may find it more helpful to take advantage of every discount possible, including: Paid-in-full: By paying your premiums up front before the renewal date and instead of spreading the payments out over months, you may be eligible for discounted premiums. Good student discount: If you are enrolled in high school or college classes, consider checking if you qualify for a discount based on earning good grades. Safety equipment: If your vehicle is equipped with safety extras such as airbags or anti-lock brakes, this may qualify you for additional savings. Defensive driving: If you enroll in an approved defensive driving course, most carriers offer a discount on premiums. The only caveat is that the course typically has to be approved by the carrier as one qualifying for a discount. Discounts are not the only way to save on car insurance in Baton Rouge. By comparing the rates and coverages of several carriers, you could see firsthand how much more, or less, one carrier charges versus another. Plus you could take on a higher deductible, which in turn lowers your premiums for added savings. However, it may be worth considering how a higher deductible would impact your ability to afford a claim due to the higher out-of-pocket cost.

Frequently asked questions

What is the best car insurance company

The is usually the one offering you the most robust policy for your budget. This could meal reviewing customer service ratings, discounts, digital tools and other aspects to determine which is the best carrier for your lifestyle. Bankrate has reviewed a number of carriers based on this same criteria and found several to be strong contenders.

How much does car insurance in Baton Rouge cost

Car insurance in Baton Rouge averages $1,189 annually for minimum coverage and $3,091 for a full coverage policy, annually. However, it is important to note your rates can be much higher or lower, based on a number of personal factors. Your ZIP code, age, vehicle, driving record and history and credit score are examples of personal facts considered for rates.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should be used for comparative purposes only. Your quotes may be different. SHARE: Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work.

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