The Cheapest Car Insurance Companies in Baton Rouge
On average, the cheapest full coverage car policy in Baton Rouge is available from :
- Southern Farm Bureau: $1,451 per year
- State Farm: $1,959 per year
USAA has the cheapest broad coverage policy rate at around $ 1,404 per annum but is merely for current and erstwhile military members in Baton Rouge. More expensive than southern Farm Bureau, by about 150 %, is AAA at $ 3,630 per class — it ’ s the most expensive full coverage policy in Baton Rouge. A full coverage policy has comprehensive and collision policy plus indebtedness coverage. How much indebtedness you choose determines the bounty .
Cheapest Car Insurance in Baton Rouge
Full Coverage 100/300/100
- company 100/300/100per year
- 1 .USAA $1,404
- 2. southern Farm Bureau $1,451
- 3 .State Farm $1,959
- 4 .GEICO $2,067
- 5 .MetLife $2,130
- 6 .Allstate $2,206
- 7 .Progressive $3,086
- 8 .AAA $3,630
MoneyGeek collected averages for cable car insurance in Baton Rouge using a sample 40-year-old male driver with a full coverage policy, as our methodology explains. A full coverage policy costs more than minimal coverage because it has indebtedness and extra valuable coverages that protect your car from damage :
- Collision insurance: covers damage from a collision
- Comprehensive insurance: covers non-collision-related damage, vandalism, theft, etc.
car owners with old vehicles may pay more than their car ’ s value with full coverage. A liability-only or minimum coverage policy may be better for them and cheaper .
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Cheapest Car Insurance in Baton Rouge for Minimum Coverage
In Baton Rouge and elsewhere, the coverage total you choose dictates how much you pay for car insurance, among other factors. If you purchase a minimum indebtedness policy, you will pay an median of $ 1,085 per year. however, if you choose a full coverage policy with higher limits, you will pay around $ 2,361 per class, which is $ 1,276 higher than the state minimal coverage price .
Cheapest Minimum Liability Car Insurance in Baton Rouge
- company State Minimumper year
- 1 .USAA $667
- 2. southerly Farm Bureau $701
- 3 .State Farm $907
- 4 .GEICO $930
- 5 .Allstate $1,016
- 6 .Progressive $1,234
- 7 .MetLife $1,329
- 8 .AAA $1,479
A state minimal policy may be the cheap and a budget-friendly option in Baton Rouge, but it offers the least protective covering. In Louisiana, a minimal coverage policy has 15/30/25 liability limits. The gloomy rate and coverage may backfire and cost you more in an at-fault accident. For example, if you cause aesculapian expenses of $ 25,000 for the early driver, the policy covers $ 15,000. You pay the remaining $ 10,000 .
Louisiana Minimum Liability Requirements
- token description
- Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 25,000 for place damage. A more protective level is 100/300/100 .
Cheapest Car Insurance in Baton Rouge if You Have Driving Violations
A trespass, such as a DUI, ticket or at-fault accident, makes your car indemnity rate higher in Baton Rouge. Depending on the rape, the most low-cost indemnity in Baton Rouge is from :
- Cheapest after a ticket: Southern Farm Bureau, $1,636 average per year
- Cheapest after an at-fault accident: Southern Farm Bureau, $1,840 average per year
- Cheapest after a DUI: Southern Farm Bureau, $1,901 average per year
While not the cheapest, USAA has competitive rates after a DUI or ticket for eligible active military and veterans. You can lower your rate in Baton Rouge over clock by improving your inadequate record. For now, save by comparing quotes to find the cheapest rate after a misdemeanor .
Cheapest Car Insurance in Baton Rouge With a Violation
- company Speeding Ticketper year
- 1. southerly Farm Bureau $1,636
- 2 .USAA $1,763
- 3 .State Farm $2,102
- 4 .Allstate $2,572
- 5 .GEICO $2,698
- 6 .MetLife $2,767
- 7 .Progressive $4,195
- 8 .AAA $4,976
Average Cost of Car Insurance in Baton Rouge
Baton Rouge $2,361
The modal annual car indemnity rate in Baton Rouge totals $ 2,361 in 2020 as compared to $ 3,041 for Louisiana as a wholly. This means drivers in Baton Rouge pay 22.3 % less than many other drivers in the state but 65.8 % more than the national average of $ 1,424. Researching and comparing rates can help you find the cheapest cable car insurance in Baton Rouge.
Personalized Quotes to Get You the Cheapest Car Insurance in Baton Rouge
Getting a personalized quote means the car policy company considers factors such as driving history, car type, ZIP code and credit scores. Armed with a personalized quotation mark, you can compare rates to find the best batch. Be certain to check rates regularly as you renew your policy, as rate and circumstance changes could afford you a cheaper quote .
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The Best Car Insurance Companies in Baton Rouge
Baton Rouge drivers can use MoneyGeek ’ s scores of the best companies in the city to find car indemnity coverage that combines quality service and affordability. From the research, MoneyGeek discovered that the best of the largest car insurance carriers in the city for most drivers are :
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 83 out of 100
USAA received the highest score in Baton Rouge by MoneyGeek ‘s rat system. however, because USAA is only available to military members, veterans and their families, it is not listed as best overall. MoneyGeek considered versatile factors while calculating the scores out of 100, including fiscal constancy, user gratification and affordability ratings from J.D. Power .
1 USAA score : 95
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy
2 GEICO score : 85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability
3 State Farm score : 82.5
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal constancy
4 Travelers score : 80
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy
5 MetLife score : 80
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
6 Safeco sexual conquest : 77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy
7 Progressive score : 77.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
8 Allstate score : 75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
9 Liberty Mutual score : 75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
10 National General mark : 72.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy
Average Cost of Car Insurance by Postal Code
Believe it or not, the character of Baton Rouge in which you live can besides affect your insurance premiums. Drivers living in the 70810 region pay the lowest average rates at $ 2,268 per year. Those who reside in the 70816 ZIP code pay the most at $ 2,455 — a remainder of $ 187 per annum .
- Zip Code State Minimumper year
- 70810 $2,268
- 70816 $2,455
Factors That Impact Insurance Costs in Baton Rouge
In summation to person driver needs and history, location-specific factors like the rate of fateful accidents and the percentage of uninsured motorists besides contribute to car policy rates in Baton Rouge. How Baton Rouge ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .
Most Accidents With Fatalities 2nd / 300
Most car Thefts 125th / 300
Most uninsured Motorists by State 20th / 50 personal Injury Protection Required No
Most annual rain 16th / 300
Most showery Days 110th / 300
Methodology and Assumptions
MoneyGeek ’ mho modal agio rates for Baton Rouge are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record.