Baton Rouge Auto Insurance Rates, Quotes, Agents & Reviews in LA

Baton Rouge, LA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Baton Rouge, LA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Baton Rouge, LA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Baton Rouge, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Baton Rouge, LA with that of other cities in and around Baton Rouge.

Baton Rouge Gardere Oak Hills Place Monticello Westminster Merrydale
Average Insurance Rates $2,444 $2,474 $2,724 $2,441 $2,613 $2,393

Baton Rouge, LA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Baton Rouge, LA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Baton Rouge $1,324 $1,118
Westminster $1,366 $1,154
Merrydale $1,505 $1,271
Inniswold $1,399 $1,181
Port Allen $2,794 $2,360
Monticello $1,456 $1,230
Oak Hills Place $1,530 $1,292
Gardere $1,727 $1,459

Baton Rouge, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Baton Rouge, LA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $7,930
20 Years $3,140
30 Years $2,419
40 Years $2,327
50 Years $2,155
60 Years $2,185
70 Years $2,543

Baton Rouge, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Baton Rouge, LA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $4,155 $733
3 Vehicles $6,232 $1,100
4 Vehicles $8,310 $1,466

Savings on 2 Vehicles bundle:$733

Savings on 3 Vehicles bundle:$1,100

Savings on 4 Vehicles bundle:$1,466


Baton Rouge, LA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Baton Rouge, LA.

Location Average Insurance Cost Post DUI Insurance Rate
Baton Rouge $2,444 $3,388
Westminster $2,613 $3,622
Merrydale $2,393 $3,317
Inniswold $2,644 $3,665
Port Allen $2,409 $3,339
Monticello $2,441 $3,383
Oak Hills Place $2,724 $3,776
Gardere $2,474 $3,429

Baton Rouge, LA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $2,097
Excellent (740-799) $2,394
Good (670-739) $2,547
Average (580-669) $3,323
Poor (300-579) $3,986

Baton Rouge, LA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Karen Guffey Allstate 257 Lee Dr Ste Q, Baton Rouge, 70808 (225) 663-2212
Jody Burnett Liberty Mutual 9100 Bluebonnet Centre Blvd Ste 402, Baton Rouge, 70809 1-225-292-8808
David Cordell Insurance Travelers 7942 Picardy Ave Suite D , Baton Rouge, 70809 (225) 372-8386
David Cordell Insurance Travelers 7942 Picardy Ave Suite D , Baton Rouge, 70809 (225) 372-8386
Phil Mckey State Farm 6915 Jefferson Hwy Ste A, Baton Rouge, 70806-8282 225-926-2477
Phil Mckey State Farm 6915 Jefferson Hwy Ste A, Baton Rouge, 70806-8282 225-926-2477
Phil Mckey State Farm 6915 Jefferson Hwy Ste A, Baton Rouge, 70806-8282 225-926-2477
Blumberg And Assoc Travelers 8560 JEFFERSON HWY, BATON ROUGE, 70809 225-767-1442
Mike Long GEICO 7089 Siegen Lane Suite A, Baton Rouge, 70809 225-295-7675
The Juban Insurance Group Llc Travelers 4319 BLUEBONNET BLVD, BATON ROUGE, 70809 225-291-0405
Kelly Elkins State Farm Ste 269 3535 S Sherwood Forest Blvd, Baton Rouge, 70816-2255 225-292-2222
Kelly Elkins State Farm Ste 269 3535 S Sherwood Forest Blvd, Baton Rouge, 70816-2255 225-292-2222
John Mollere State Farm 713 W Pine St, Ponchatoula, 70454-3741 985-386-3521

Baton Rouge, LA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$108 $2,552
Driver's Failure In Showing Documents +$237 $2,681
Driving With An Expired Registration +$252 $2,696
Driving At A Considerably Slow Pace +$530 $2,974
Using A Cellphone While Driving +$560 $3,004
Running A Red Light +$569 $3,013
Speeding +$599 $3,043
Driving A Vehicle Without The Required Permission +$760 $3,204
Driving With An Expired/Suspended License +$1,647 $4,091

Baton Rouge, LA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $2,346
Active Disabling Device $2,346
Tracking Device $2,297
Passive Disabling Device $2,273

Latest Auto Insurance Reviews in Baton Rouge, LA | Back to Top

State Farm
I guess I would recommend. I think State Farm is comparable to other insurance companies. You never know until you need them.
State Farm
My car insurance is state farm . I pay my bill in the office rather then send it. I am always greeted by friendly customer service.
State Farm
I recommended this just because of all the good qualities and the well behave of all the employees and the trust.
Progressive
I would recommend this company first because they do offer rate comparisons with other companies.This helps you to make an informed decision.
Travelers
I have not had to deal with customer service, but as you can see I bundle my insurance so as to keep the costs down. I am satisfied with Traveler's.
Alfa Insurance
I would definitely recommend Amica to family and friends because they offer great customer service and their deductibles and premiums are great. In fact, most of my family use them and have for years.
Alfa Insurance
I would definitely recommend Amica to family and friends because they offer great customer service and their deductibles and premiums are great. In fact, most of my family use them and have for years.
State Farm
I don't like how expensive my premiums are. But that applies to every insurance company and not just State Farm. I also dislike that they don't give discounts for good drivers or automatic payments. I've had insurance companies that gave both.
Liberty Mutual
The best thing that I like about Liberty Mutual is that they offer bundling discounts at a significant rate. I feel like I get a good level of coverage at a great rate.
State Farm
State farm has the best premium compared to the other insurance companies for the same coverage. State farm works hard to offer their clients the most competitive rates.
Farm Bureau
My policy is from Farmer's and I chose minimum legally required liability coverage, which is pretty much the same with all companies. I chose this company because it's cheap.
Progressive
To be honest with you, I don't dislike anything about Progressive. Everything they do is great. They have the best customer service and support, ever!
Allstate
Other companies are more expensive than All-State. They essentially provide the same type of service, but at a higher premium. I'm very satisfied with my insurance, as my car isn't worth that much, so I don't want to have to pay a lot.
Geico
I like how easy it is to reach someone at Geico. I like that I can talk to someone right away. I also like their web platform and how easy it is to use. I am very happy with how easy it is to access my account and get information.