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.
Discounts of Up to $177 on a Single Anti-theft Device in Baton Rouge, LA
The average cost of auto insurance in Baton Rouge, LA, is $2,444. This is much lower than the cost of auto insurance in neighboring places such as Oak Hills Palace, Gardere, and Westminster.
Driving Record:
Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
For example, post-DUI, the cost of auto insurance in Baton Rouge can jump up to $3,388 from $2,444. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and speeding. The former leads to an increase of $1,647, while the latter leads to an increase of $599.
Anti-Theft Discounts:
Car insurers across Louisiana offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
As the above infographic indicates, equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps in saving the most on auto insurance in Baton Rouge, at $177. Other devices which help in improving savings here are tracking devices and active disabling devices.
Multi-Car Insurance:
Car insurance companies also provide discounts to car owners who insure multiple cars with the same insurance company. Discounts on multi-car insurance policies vary according to the make and model of the vehicle. Savings on multi-car insurance can range between $733 and $1,466. The cost of insuring two vehicles under a multi-car insurance policy in Baton Rouge is $4,155. This helps in saving up to $733. The cost of insuring four vehicles under this policy is $8,310, saving up to $1,466.
Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts.
Car insurance rates in Baton Rouge, LA, swing widely for younger men
A recent analysis of car insurance premiums in Baton Rouge, LA, showed that 18-year-old single men with two at-fault accidents in the last 18 months make the biggest savings between the 75th and 25th percentile in premium rates, at 47.27%. This is followed by the cohort of 18-year-old single men with one at-fault accident in the last 18 months, at 46.86%. For this analysis, Zimlon considered the bodily injury per person limit to be $15,000, the bodily injury per accident limit to be $30,000 and the property damage per accident limit to be $30,000. The uninsured motorist liability was considered as $15,000, and the uninsured motorist liability per accident limit was considered to be $ 30,000. The cars chosen were 2011, 2014, and 2017 models of Toyota Camry.
The most expensive premiums are paid by the cohort comprising 18-year-old men, the lowest of which is $780, offered by Pharmacists Mutual Insurance Company. The most expensive premium for this category of drivers is $7,666, offered by Imperial Fire and Casualty Insurance Company (Classic Program). The second most expensive premiums are paid by 18-year-old single women, the lowest of which is $589, offered by Auto Club Family Insurance Company.
The cheapest premiums are paid by 60-year-old married women with one at-fault accident in the last 18 months, starting at $192 offered by Pharmacists Mutual Insurance Company. The second cheapest premiums are available to 30-year-old married men with no at-fault accident in the last 18 months, starting at $296 offered once again by Pharmacists Mutual Insurance Company. Therefore, if you belong to any of these cohorts and live in Baton Rouge, LA, your chances of saving on car insurance premiums are significantly high.
The following graph shows a comparison of premium rates across customer cohorts for Baton Rouge, LA.
The following table compares the car insurance premiums for key cohorts in Baton Rouge, LA, along with the names of the companies and the differences between the 75th and 25th percentiles in premium rates.
| Cohort | Cheapest Car Insurance Companies in Baton Rouge, LA | Most Expensive Car Insurance Companies in Baton Rouge, LA | Median Car Insurance Companies in Baton Rouge, LA | 25th Percentile of Car Insurance Premiums in Baton Rouge, LA | 75th Percentile of Car Insurance Premiums in Baton Rouge, LA | Dollar Difference between 75th and 25th Percentiles | Percentage Difference between 75th and 25th Percentiles |
|---|---|---|---|---|---|---|---|
| 21-year-old single women with two at-fault accidents in the last 18 months | Auto Club Family Ins Co ($583) | Imperial Fire & Casualty Ins. Co. (Classic Program) ($6,489) | 21st Century Centennial Ins. Co. (New Program) ($2,073) | Massachusetts Bay Ins. Co. ($1,451) | GoAuto Ins. Co. (Old Program) ($2,597) | $1,146 | 44.13% |
| 60-year-old married women with one at-fault accident in the last 18 months | Pharmacists Mutual Ins. Co. ($192) | La. Auto Insurance Plan ($1,996) | ANPAC Louisiana Ins. Co. ($583) | Cincinnati Ins Co ($463) | Foremost Ins. Co. ($770) | $307 | 39.87% |
| 30-year-old married men with no at-fault accident in the last 18 months | Pharmacists Mutual Ins. Co. ($296) | La. Auto Insurance Plan ($2,446) | Imperial Fire & Casualty Ins. Co. (Value Program) ($665) | Republic Fire and Casualty Ins. Co. (Old Program) ($529) | Ace Ins. Co. of the Midwest ($852) | $323 | 37.91% |
| 18-year-old single women with one at-fault accident in the last 18 months | Auto Club Family Ins Co ($589) | Encompass Property & Casualty Co. ($5,975) | Fireman's Fund Ins Co. ($2,497) | RLI Ins. Co. ($1,757) | Direct General Ins. Co. of La. (Older Program) ($3,454) | $1,697 | 49.13% |
| 18-year-old single menwith one at-fault accident in the last 18 months | Pharmacists Mutual Ins. Co. ($780) | Imperial Fire & Casualty Ins. Co. (Classic Program) ($7,666) | Liberty Personal Ins. Co. ($3,062) | GEICO Casualty Co. ($2141) | Direct General Ins. Co. of La. (Older Program) ($4,029) | $1,888 | 46.86% |
| 48-year-old single women with no at-fault accident in the last 18 months | Auto Club Family Ins Co ($446) | Foremost Ins. Co. ($3,785) | Safe Auto Ins. Co. (New Program) ($1,446) | Property & Casualty Ins. Co. of Hartford ($1,089) | National Automotive Ins. Co. (Old Program) ($1,869) | $780 | 41.73% |
| 21-year-old single men with two at-fault accident in the last 18 months | Pharmacists Mutual Ins. Co. ($653) | La. Auto Insurance Plan ($8,286) | Metropolitan Group Prop. and Cas. Ins. Co. ($2,180) | RLI Ins. Co. ($1,583) | California Casualty Indemnity Exchange ($3,002) | $1,419 | 47.27% |
Louisiana leads nation in auto insurance rates, Baton Rouge not far behind
Baton Rouge, the capital of the state of Louisiana, is not immune from the menace of high insurance rates that plagues the state of Louisiana. Louisiana has the unfortunate distinction of leading the nation when it comes to high auto insurance rates. The average annual insurance premium of the state of Louisiana is $2,699, which is the highest recorded figure among the states. The capital city of Baton Rouge is, however, not far behind, with an average insurance rate of $2,328.
In this feature, we will examine the insurance rates of 8 best selling used cars in Baton Rouge: Toyota’s Corolla and Camry, Nissan’s Altima, Honda’s CR-V, Civic and, Accord, Ford’s F-Series, and Chevrolet’s Silverado. Which of these cars is the most affordable and costs the least to insure in Baton Rouge?
Let’s take a look at the numbers for the year range 2005–2012.
| Make | Model | Insurance Average ($) | Median Price ($) | Percentage of insurance as compared to median price (%) |
|---|---|---|---|---|
| Nissan | Altima | 2,281 | 15,390 | 14 |
| Honda | Civic | 2,227 | 15,600 | 14 |
| Honda | Accord | 1,942 | 15,865 | 12 |
| Toyota | Corolla | 2,108 | 15,895 | 13 |
| Honda | CR-V | 1,781 | 15,900 | 11 |
| Toyota | Camry | 2,073 | 15,995 | 12 |
| Chevrolet | Silverado | 2,050 | 28,888 | 7 |
| Ford | F-Series | 2,001 | 30,023 | 6 |
If you have the money to spare, the Ford F-Series is clearly a good investment, with an insurance percentage of a mere 6% of the cost.
If you do not want to spend all your savings on your car, the Honda CR-V is probably your best bet. With a median price of $15,900 and the lowest insurance average among all the cars, the CR-V makes a good contender as an affordable car.
The table above also illustrates the need to look at all three variables, i.e., the median price, the average insurance, and the insurance percentage, before choosing your car. While the Chevy Silverado and Ford F-Series have the lowest insurance percentages, their median prices are so high that the insurance percentage ceases to be relevant. These cars can only be considered by prospective buyers who prefer these cars and numbers do not matter.
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 Rates
- Baton Rouge, LA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Baton Rouge, LA
- Multi Vehicle Insurance Savings in Baton Rouge, LA
- How Credit Score Affects Car Insurance Rates in Baton Rouge, LA
- How DUI Affects Auto Insurance Premiums in Baton Rouge, LA
- Top Auto Insurance Agents Near Baton Rouge, LA
- How Driving Violations Affect Auto Insurance Rates in Baton Rouge, LA
- Baton Rouge, LA Auto Insurance Discounts on Anti Theft Feature
- Baton Rouge, LA Auto Insurance Company Reviews
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 FarmI guess I would recommend. I think State Farm is comparable to other insurance companies. You never know until you need them.
State FarmMy 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 FarmI recommended this just because of all the good qualities and the well behave of all the employees and the trust.
ProgressiveI would recommend this company first because they do offer rate comparisons with other companies.This helps you to make an informed decision.
TravelersI 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 InsuranceI 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 InsuranceI 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.
Liberty MutualThe 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 FarmState 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 BureauMy 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.
ProgressiveTo 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!
AllstateOther 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.
GeicoI 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.