Buy Cheap Baton Rouge, LA Auto Insurance
The cheapest Baton Rouge, LA auto insurance rates are offered by State Farm, but rates will vary by driver. Baton Rouge auto insurance must meet the Louisiana state minimum of 15/30/25 liability auto insurance coverages. Louisiana has some of the highest rates in the country, so compare Baton Rouge, LA car insurance quotes online to find the best deal.
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UPDATED: Jul 15, 2021
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- State Farm is the cheapest auto insurance company in Baton Rouge, LA that offers coverage to everyone
- Baton Rouge drivers pay some of the highest auto insurance rates in the country
- High auto insurance rates are partly due to the high amount of uninsured drivers in Louisiana
Baton Rouge, LA auto insurance is very expensive. This isn’t surprising since Louisiana auto insurance, in general, is among the highest in the country.
However, it is possible to find affordable Baton Rouge, LA auto insurance if you know where to look. Shop around and compare quotes from multiple companies to find the best option for you.
Enter your ZIP code now to compare Baton Rouge, LA auto insurance rates.
What is the cheapest auto insurance company in Baton Rouge, LA?
Although USAA actually has the lowest auto insurance in Baton Rouge, it only offers coverage to the military, veterans, and their families. The company with the lowest rates offered to everyone is State Farm.
These are the top-ranked Baton-Rouge, LA auto insurance companies ranked from least to most expensive:
- USAA – $4,869.88
- State Farm – $5,317.05
- Allstate – $6,837.26
- GEICO – $7,607.46
- Progressive $9,301.30
Auto insurance rates depend on a variety of factors. Some of the common factors that influence your Baton Rouge, LA auto insurance rates are age, gender, marital status, ZIP code, driving record, and credit history.
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What auto insurance coverage is required in Baton Rouge, LA?
Almost every state requires some sort of minimum auto insurance. Louisiana is no different.
The minimum amount of auto insurance drivers in Baton Rouge need to carry is:
- $15,000 per person and $30,000 per incident for bodily injury liability
- $25,000 per incident for property damage
These are extremely low amounts of these auto insurance coverages. You can see that in a serious accident, you would exceed these coverages easily. Consider adding coverage to your auto insurance in Baton Rouge to limit your out-of-pocket costs in an accident.
One of the reasons auto insurance is so high in Louisiana is that coverage limits are so low. This forces drivers to sue in order to have their damages covered from an accident. This in turn drives up the cost of auto insurance.
Another reason Louisiana auto insurance is so high is that there are a large number of uninsured drivers in the state. These drivers face possible fines, driver’s license suspension, and jail time.
What affects auto insurance rates in Baton Rouge, LA?
Traffic and auto theft can also drive up auto insurance rates.
INRIX ranks Baton Rouge, LA as the 47th most congested city in the U.S. Traffic congestion can equal more accidents and drive up the cost of auto insurance.
City-Data reports that drivers in Baton Rouge spend an average of 25 minutes or less commuting. That’s not too bad considering the traffic congestion.
Auto theft is another factor that can affect your auto insurance rates. According to the FBI, there were 991 motor vehicle thefts in Baton Rouge, LA.
Baton Rouge, LA Auto Insurance: The Bottom Line
Between the high number of uninsured drivers and the low coverage amounts, Baton Rouge auto insurance rates are very high.
Before you buy Baton Rouge, LA auto insurance, shop around and compare quotes. This helps you find the best coverage for you at the lowest price.
Enter your ZIP code now to compare Baton Rouge, LA auto insurance quotes.