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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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.

savings_anti_theft_devicesDriving 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. 

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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 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.
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.