Louisiana has the most expensive premiums in the country, and Baton Rouge is no exception when it comes to higher premiums. Capital residents pay an average of $1,189 a year for minimum coverage and $3,091 for a full coverage policy — nearly double the national average of $1,674.
To find the best auto insurance company in Baton Rouge, Bankrate analyzed many categories among carriers in the area, including customer service ratings, 2022 premiums, and coverage options. Our reviews of these companies can help you not only find the best policy, but also the companies offering the best auto insurance premiums for your budget.
Best Auto Insurance Companies in Baton Rouge
While a number of carriers combine good customer reviews, financial strength, and digital tools for policy management, finding one that also offers affordable premiums can be a more difficult task. Bankrate has narrowed down a few options worth considering as you choose the best car insurance in Baton Rouge.
|insurance company||Note from JD Power
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||857 / 1000||$721||$2,416|
|USAA||909 / 1000||$857||$2,222|
|Southern Agricultural Bureau||N / A||$911||$2,558|
|state farm||835 / 1000||$1,078||$3,474|
For 85 years, Geico has provided insurance coverage and today is the second supplier US auto insurance In addition to its long heritage of providing policies, Geico offers affordable rates for drivers in Baton Rouge, with the lowest of carriers surveyed. Geico also scores an impressive 857 points out of 1,000, ranking among the top carriers in the 2020 JD Power Auto Insurance Study.
Learn more: Geico Insurance Review
USAA not only provides auto insurance to current members of the military, veterans, and their immediate family members, it is also the fifth largest auto insurance provider in the United States. USAA offers the standard coverages drivers can expect as well as unique coverages tailored to members of the military, such as a discount option to reduce premiums when deployed or not driving an insured vehicle . USAA received the highest number of customer satisfaction points in the JD Power Auto Insurance study, with a score of 909 out of 1,000. Although not eligible for rank due to membership restrictions, the score USAA’s high likely translates directly to the experiences of Baton Rouge policyholders.
Learn more: USAA Insurance Review
Southern Agricultural Bureau
Although the Southern Farm Bureau does not have a JD Power score, it does have a A+ rating (superior) note by AM Best. Southern Farm Bureau serves six states, including Louisiana, and relies on a network of local agents. In addition to the standard coverage options, you can find optional options through the Southern Farm Bureau, such as roadside assistance and medical payment coverage, to supplement your policy.
Learn more: Farm Bureau Insurance Review
State Farm has offered insurance since 1922 and today is the largest auto insurance provider in the United States. Although it does not score as high in its JD Power score as other carriers in the Southeast region, State Farm offers competitive rates for Baton Rouge drivers. Discounts are also interesting, with the possibility savings ranging from defensive driving to good grades.
Learn more: State Farm Insurance Review
Cheapest car insurance in Baton Rouge
Drivers in Baton Rouge may want to research and compare carriers to find the best cheap insurance in the area. With average rates of $1,189 per year for minimal 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|
There are a number of carriers that offer competitive rates for car insurance in Baton Rouge, while also offering a wide variety of other benefits. For example, Geico, USAA, State Farm, Progressive, and Allstate all earn A+ or higher ratings with AM Best. All offer use of a mobile app for font management, although the State Farm app lets you get a quote and purchase a font right at your fingertips.
Insurance requirements in Baton Rouge
Louisiana requires drivers to carry minimum amounts of car insurance coverage, including 15/30/25 liability insurance. This includes:
- $15,000 bodily injury per person
- $30,000 bodily injury per accident
- $25,000 for property damage
Although you may be tempted to buy the bare minimum depending on your budget, the coverage may not be enough to give you adequate financial protection if you were involved in an accident. For example, if you are involved in an accident with someone who does not have their own insurance policy and they are found to be at fault, uninsured motorist coverage will provide additional medical payments for your injuries. Your lender may also require comprehensive coverage if you lease your vehicle.
Car Insurance Discounts in Baton Rouge
Since car insurance rates in Baton Rouge tend to be higher than the national average, you may find it more beneficial to take advantage of all possible discounts, including:
- Fully Paid: By paying your premiums in advance before the renewal date and instead of spreading the payments over several months, you may be eligible for reduced premiums.
- Good student discount: If you’re enrolled in high school or college courses, consider checking to see if you qualify for a discount based on getting good grades.
- Security equipment: If your vehicle is equipped with additional safety features such as airbags or anti-lock brakes, this can provide you with additional savings.
- Defensive Driving: If you enroll in an approved defensive driving course, most carriers offer a premium discount. The only caveat is that the course usually needs to be approved by the carrier as eligible for a discount.
Discounts aren’t the only way to save on car insurance in Baton Rouge. By comparing the rates and coverages of multiple carriers, you can directly see how much more or less one carrier charges than another. Plus, you can take on a higher deductible, which lowers your premiums for additional savings. However, it may be worth considering the impact of a higher deductible on your ability to pay a claim due to the higher cost.
Frequently Asked Questions
What is the best car insurance company?
The best insurance company is usually the one that offers you the most robust policy for your budget. This could include looking at customer service ratings, discounts, digital tools, and other aspects to determine which carrier is best for your lifestyle. Bankrate reviewed a number of carriers based on these same criteria and found several to be strong competitors.
How much does car insurance cost in Baton Rouge?
Car insurance in Baton Rouge costs an average of $1,189 per year for minimum coverage and $3,091 for a full coverage policy, per year. However, it is important to note that your rates may be much higher or lower, depending on a number of personal factors. Your zip code, age, vehicle, driving record, history and credit score are examples of personal facts considered for rates.
Bankrate uses Quadrant Information Services to analyze 2022 rates for all zip codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record, credit and the following complete information coverage limits:
- Civil liability of $100,000 in bodily injury per person
- Civil liability of $300,000 in bodily injury per accident
- Civil liability of $50,000 in property damage per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 aggregate deductible
To determine minimum coverage limits, Bankrate has 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 a year.
These are sampling rates and should only be used for comparison purposes. Your quotes may be different.