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How much is car insurance in Baton Rouge?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Louisiana are about $23 a month cheaper than the rates drivers pay in Baton Rouge.
Compared to the national average cost of auto coverage, Baton Rouge has higher rates. It's around $126 more expensive to insure your vehicle in Baton Rouge compared to 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. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Baton Rouge to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates climb back up in Baton Rouge.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Baton Rouge, this difference shakes out to about $5 a month. As illustrated in the table above, female drivers in the area pay about $204 on average, while male drivers pay around $209 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on 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 will pay around $274 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $212.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$227|
|15 Years or Older||$190|
In Baton Rouge, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $187 per month for auto insurance coverage.
Car owners, on the other hand, usually pay around $216 per month, while SUV drivers can expect to pay about $194 a month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is around 5 years old. In Baton Rouge, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$220|
On average, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Baton Rouge can be as much as $63 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$262|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Baton Rouge, expect to pay around $8 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Baton Rouge, LA
Recent trends in car insurance for Baton Rouge drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Baton Rouge, the rates for car insurance declined from 2017-2020, before leveling out in 2021. Car insurance rates finished down in 2022, at $151 per month
How does Baton Rouge compare to neighboring areas?
Why are car insurance rates in Baton Rouge different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Availability of off-street parking
- Amount of drivers in the area
- Rate of car accidents
- Prevalence of crime
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Baton Rouge?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Baton Rouge.
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, credit score, address, and marital status.
Why is the cost of car insurance in Baton Rouge different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Baton Rouge?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Baton Rouge?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Baton Rouge or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.