Baton Rouge, LA Car Insurance

The average monthly cost for car insurance in Baton Rouge is about $195. Learn more in our handy guide below.
Are rates in Baton Rouge higher or lower than those in neighboring areas? How do they compare to the rest of Louisiana? What rates can residents of Baton Rouge expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Baton Rouge?

Area Average Monthly Car Insurance Premium
Baton Rouge$195
LA$169
United States$80

You can see in the chart above that it's around $26 a month more expensive to insure your vehicle in Baton Rouge than it is in the rest of Louisiana.

Similarly, residents of Baton Rouge might expect to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Baton Rouge is about $115 more expensive than the average rate for the rest of the U.S.

Although these are the average rates for auto insurance in Baton Rouge, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Baton Rouge so that you can get a more accurate idea of what your policy will cost you. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$448
18-24$269
25-34$167
35-44$146
45-54$155
55-64$142
65+$158

The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Baton Rouge.

Average Car Insurance Rates by Gender

Gender Average
Male$191
Female$200

While women typically pay less than men do for auto insurance, Baton Rouge goes against the grain. Female drivers typically pay around $9 more a month for car insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$265
Multiple Accidents$326
1 Ticket$235
Multiple Tickets$501

One of the key factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Baton Rouge with a single accident on their record will usually see rates around $265 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $235.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$202
2-3 Years$225
4-5 Years$231
6-7 Years$195
8-10 Years$187
11-14 Years$194
15 Years or Older$180

In terms of affordable coverage, the cheapest vehicles to insure in Baton Rouge are typically trucks and vans, at $167 per month.

Car owners can expect to pay an average of around $203 a month for their policy, while SUVs usually cost around $182 a month to insure.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Baton Rouge, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$208
Married$149
Divorced$142
Widowed$143

Overall, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Baton Rouge is no exception, with the difference totaling to around $59 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$179
Rent$190
Live with parents$265

One other element taken into consideration is your living accommodations. Renters can expect to pay around $11 a month more than those who own their own home in Baton Rouge. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Baton Rouge, LA

Recent trends in car insurance for Baton Rouge drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

Car insurance rates in Baton Rouge went up from 2016-2017, before trending downward from 2018-2020. They finished up in 2021 at $231 per month.

How does Baton Rouge compare to neighboring areas?

Why are car insurance rates in Baton Rouge different from other areas?

There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

  • Availability of off-street parking
  • Number of drivers in the community
  • Rate of car accidents
  • Community regulations
  • Crime rates

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Baton Rouge?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Baton Rouge.

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Baton Rouge Insurance FAQs

What factors affect car insurance quotes in Baton Rouge?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Baton Rouge different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Baton Rouge?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Baton Rouge?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Baton Rouge or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes