Cheapest Car Insurance In Baton Rouge, LA 2024
For minimum coverage auto insurance in Baton Rouge, GEICO is the most budget-friendly choice, costing around $75 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Baton Rouge, LA, often means navigating a variety of options and price points.
For affordable liability-only insurance, GEICO is a standout option. State Farm is ideal for drivers seeking low rates on full coverage, while Louisiana Farm Bureau provides the best prices for younger drivers.
Cheapest Car Insurance Companies In Baton Rouge, LA
Cheapest Full Coverage Insurance Rates In Baton Rouge: State Farm
In Baton Rouge, State Farm stands out as the cheapest option for full coverage car insurance, averaging $182 a month.
This table outlines average quotes from affordable car insurance companies in Baton Rouge.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $182 | $2,192 |
| Progressive | $220 | $2,631 |
| GEICO | $202 | $2,413 |
| Allstate | $376 | $4,520 |
| Farm Bureau | $120 | $1,440 |
Cheapest Liability-only Car Insurance In Baton Rouge: GEICO
For minimum coverage car insurance in Baton Rouge, GEICO has the lowest rate, costing about $75 a month on average.
Check the table below for a comparison of rates from different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $75 | $890 |
| State Farm | $85 | $1,020 |
| AAA | $112 | $1,336 |
| Farm Bureau | $78 | $936 |
| Progressive | $91 | $1,090 |
Cheapest Rates In Baton Rouge For Teenagers: State Farm
Teen drivers in Baton Rouge will find that State Farm provides the cheapest quotes, with average monthly rates of $422.
This table presents the companies providing the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $422 | $5,068 |
| Allstate | $788 | $9,450 |
| GEICO | $757 | $9,080 |
| Progressive | $775 | $9,280 |
Cheapest Auto Insurance For Young Adults in Baton Rouge: Farm Bureau
Farm Bureau has the lowest average rates for young adults in Baton Rouge, at $186 per month.
You can find a comparison of the cheapest auto insurance rates for young adults in Baton Rouge in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Louisiana Farm Bureau | $186 | $2,240 |
| State Farm | $235 | $2,818 |
| GEICO | $205 | $2,460 |
| Allstate | $422 | $5,057 |
| Progressive | $288 | $3,462 |
Cheapest Car Insurance Rates For Seniors: Farm Bureau
With an average monthly rate of $149, Farm Bureau has the cheapest car insurance for seniors in Baton Rouge.
This table presents average quotes from budget-friendly auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau | $149 | $1,790 |
| GEICO | $215 | $2,570 |
| Progressive | $257 | $3,082 |
| State Farm | $196 | $2,315 |
| Allstate | $392 | $4,697 |
Cheapest Car Insurance In Baton Rouge For Good Drivers: GEICO
For good drivers in Baton Rouge, GEICO provides the cheapest car insurance quotes, typically costing around $75 per month.
The table below provides average quotes from the most economical insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $75 | $890 |
| State Farm | $85 | $1,020 |
| AAA | $112 | $1,336 |
| Farm Bureau | $78 | $936 |
| Progressive | $91 | $1,090 |
Find affordable Baton Rouge rates
Cheapest Car Insurance In Baton Rouge After A Speeding Ticket: GEICO
Compared to other companies in Baton Rouge, GEICO offers very low rates, with an average of $212 per month for drivers with a speeding violation.
You can check the table below to find average rates for those with a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $212 | $2,539 |
| Progressive | $289 | $3,477 |
| Allstate | $436 | $5,230 |
| Farm Bureau | $146 | $1,745 |
| State Farm | $213 | $2,547 |
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers who have had an at-fault incident can find the cheapest quotes at State Farm, averaging $231 each month.
Here are the insurance companies that provide the cheapest rates for drivers who have experienced an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $231 | $2,772 |
| Progressive | $408 | $4,896 |
| Allstate | $480 | $5,734 |
| Farm Bureau | $159 | $1,890 |
| AAA | $420 | $4,960 |
Cheapest Rates In Baton Rouge For Drivers After A DUI: State Farm
In Baton Rouge, State Farm is the top choice for affordable rates for drivers with a DUI, offering average monthly premiums of $211.
You can find the cheapest rates for Baton Rouge drivers with a DUI in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $211 | $2,540 |
| Allstate | $488 | $5,860 |
| Progressive | $337 | $4,042 |
| GEICO | $491 | $5,890 |
| AAA | $377 | $4,530 |
Best Car Insurance Companies In Baton Rouge
For the most affordable insurance in Baton Rouge, GEICO offers rates starting at $75 a month. You might also consider Progressive at $91 a month and State Farm at $85 a month.
Presented below are the top car insurance companies in Baton Rouge, LA, based on their average monthly premiums.
| Company | Monthly Premium |
| GEICO | $75 |
| State Farm | $85 |
| AAA | $112 |
| Farm Bureau | $78 |
| Progressive | $91 |
| USAA | $140 |
| Safeway | $260 |
Average Rates In Baton Rouge – By Vehicle
The kind of vehicle you own is a major factor in your insurance cost calculation. Insurance providers consider the car’s make, model, year, and body type. Newer, high-end models with advanced features and greater replacement costs usually have higher premiums.
In the table below, you can find the average rates for various vehicles in Baton Rouge.
| Vehicle | Average Monthly Rate |
| Hyundai Elantra | $286 |
| Mazda 6 | $265 |
| Ford Explorer | $177 |
| Chevrolet Equinox | $70 |
| Kia Soul | $98 |
Average Auto Insurance Rates In Baton Rouge – By Age
Age is an important factor in how car insurance rates are calculated. Typically, younger drivers face higher costs because of their limited experience and higher accident rates. Teen drivers can expect to pay approximately $8,640 annually for their insurance.
As drivers hit the age of 25, their premiums generally begin to lower, assuming they uphold a clean driving record.
Drivers in their 50s and early 60s tend to benefit from the most competitive insurance rates. Age is used by insurance companies to gauge driving experience and risk, impacting premium prices.
| Age | Average Yearly Rate |
| Teenagers | $8,640 |
| 20s | $4,440 |
| 30s | $3,000 |
| 40s | $2,904 |
| 50s | $2,700 |
| 60s | $2,578 |
| 70s | $2,630 |
How Much Is Car Insurance In Other Cities In Louisiana?
Where you live plays a major role in determining your car insurance costs. Insurers analyze factors related to your location, such as accident frequency, theft, and vandalism, which are generally more prevalent in urban areas, leading to increased rates.
In New Orleans, drivers pay roughly $347 per month for car insurance, compared to an average rate of $240 per month for those in Hammond.
| City | Average Monthly Rate |
| Metairie | $284 |
| Monroe | $240 |
| New Orleans | $347 |
| Shreveport | $220 |
| Alexandria | $260 |
| Acme | $234 |
| Bossier City | $204 |
| Gretna | $326 |
| Hammond | $240 |
| Houma | $215 |
Average Cost Of Auto Insurance In Baton Rouge – By Zip Code
Zip codes provide insurers with insights into crime rates in your area, resulting in different car insurance rates for each zip code.
In the table below, you’ll find average insurance rates for Baton Rouge’s different zip codes.
| Zip Code | Average Monthly Rate |
| 70803 | $247 |
| 70810 | $243 |
| 70816 | $255 |
| 70827 | $240 |
| 70819 | $257 |
Find affordable Baton Rouge rates
Our Methodology
After conducting a thorough analysis that includes customer service ratings, product choices, pricing, and evaluations of multiple online review platforms, I have compiled an in-depth look at the car insurance market in Baton Rouge, LA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Baton Rouge?
For minimum coverage as required by California, GEICO has the lowest car insurance rates in Baton Rouge, while State Farm stands out for its competitive rates on full coverage that includes comprehensive and collision options.
What is the average cost of car insurance in Baton Rouge?
On average, car insurance in Baton Rouge, costs about $230 a month, with rates fluctuating according to your zip code, the year and model of your car, and your driving history.
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