Louisiana has the most expensive premiums in the country, and Baton Rouge is no exception when it comes to higher premiums. Residents of the Capital City pay an average of $1,189 annually for minimum coverage and $3,091 for a full coverage policy — nearly double the national average of $1,674.
To find the best car insurance company in Baton Rouge, Bankrate analyzed numerous categories among carriers in the area, including customer service ratings, 2021 quoted premiums and coverage options. Our analyses of these companies may help you to not only find the best policy, but also the companies offering the best car insurance premiums for your budget.
Best car insurance companies in Baton Rouge
While a number of carriers have a combination of good customer reviews, financial strength and digital tools for policy management, finding one that also offers affordable premiums may be a harder task. Bankrate narrowed down a few options worthy of consideration as you are choosing the best car insurance in Baton Rouge.
|Insurance company||J.D. Power score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||857 / 1,000||$721||$2,416|
|USAA||909 / 1,000||$857||$2,222|
|Southern Farm Bureau||N/A||$911||$2,558|
|State Farm||835 / 1,000||$1,078||$3,474|
For 85 years, Geico has provided insurance coverage and is now the second-largest provider of auto insurance in the U.S. In addition to its long heritage of providing policies, Geico offers affordable rates for drivers in Baton Rouge, with the lowest of the carriers surveyed. Geico also scores an impressive 857 out of 1,000 points, ranking as one of the top carriers in the 2020 J.D. 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, but it is also the fifth-largest provider of auto insurance in the U.S. USAA offers the standard coverages drivers might expect as well as unique ones tailored to members of the military, such as a discount option to reduce premiums when on deployment or and not driving an insured vehicle. USAA received the highest number of customer satisfaction points in the J.D. Power Auto Insurance Study, scoring 909 out of 1,000. Although it is rank-ineligible due to membership restrictions, USAA’s high score likely directly translates to Baton Rouge policyholders’ experiences.
Learn more: USAA insurance review
Southern Farm Bureau
Although Southern Farm Bureau does not have a J.D. Power score, it does have an A+ rating (Superior) rating from AM Best. Southern Farm Bureau services six states, including Louisiana, and relies on a network of local agents. Along with standard coverage options, you can find optional ones through Southern Farm Bureau, such as roadside assistance and medical payments coverage, to round out your policy.
Learn more: Farm Bureau insurance review
State Farm has offered insurance since 1922 and today operates as the largest provider of auto insurance in the U.S. Although it does not score as high in its J.D. Power score as the other carriers among the Southeast region, State Farm does offer competitive rates for drivers in Baton Rouge. The discounts are attractive too, with possible 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 in order to find the best cheap insurance in the area. With average rates of $1,189 annually for minimum 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 offering competitive rates for car insurance in Baton Rouge, while also offering a wide variety of other advantages. For instance, Geico, USAA, State Farm, Progressive and Allstate all earn Superior A+ or higher ratings with AM Best. All offer the use of a mobile app for policy management, although the State Farm app allows you to obtain a quote and purchase a policy right at your fingertips.
Baton Rouge insurance requirements
- $15,000 bodily injury per person
- $30,000 bodily injury per accident
- $25,000 for property damage
While you may be tempted to purchase the bare minimum to fit your budget, it may not be enough coverage to provide adequate financial protection should you be involved in an accident. For instance, if you are involved in an accident with someone who does not have their own insurance policy and they are ruled at fault, then uninsured motorist coverage would provide additional medical payments for your injuries. Your lender may also require full coverage if you lease your vehicle.
Car insurance discounts in Baton Rouge
Because the car insurance rates in Baton Rouge tend to be higher than the national average, you may find it more helpful to take advantage of every discount possible, including:
- Paid-in-full: By paying your premiums up front before the renewal date and instead of spreading the payments out over months, you may be eligible for discounted premiums.
- Good student discount: If you are enrolled in high school or college classes, consider checking if you qualify for a discount based on earning good grades.
- Safety equipment: If your vehicle is equipped with safety extras such as airbags or anti-lock brakes, this may qualify you for additional savings.
- Defensive driving: If you enroll in an approved defensive driving course, most carriers offer a discount on premiums. The only caveat is that the course typically has to be approved by the carrier as one qualifying for a discount.
Discounts are not the only way to save on car insurance in Baton Rouge. By comparing the rates and coverages of several carriers, you could see firsthand how much more, or less, one carrier charges versus another. Plus you could take on a higher deductible, which in turn lowers your premiums for added savings. However, it may be worth considering how a higher deductible would impact your ability to afford a claim due to the higher out-of-pocket cost.
Frequently asked questions
What is the best car insurance company?
The best insurance company is usually the one offering you the most robust policy for your budget. This could meal reviewing customer service ratings, discounts, digital tools and other aspects to determine which is the best carrier for your lifestyle. Bankrate has reviewed a number of carriers based on this same criteria and found several to be strong contenders.
How much does car insurance in Baton Rouge cost?
Car insurance in Baton Rouge averages $1,189 annually for minimum coverage and $3,091 for a full coverage policy, annually. However, it is important to note your rates can be much higher or lower, based on a number of personal factors. Your ZIP code, age, vehicle, driving record and history and credit score are examples of personal facts considered for rates.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate 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 annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.