Cheapest car insurance companies in Baton Rouge
After an in-depth analysis, Insurance.com found that Southern Farm Bureau and Farmers are the cheapest car insurance companies in Baton Rouge for 2023.
In Baton Rouge, Southern Farm Bureau provides the cheapest auto insurance rates to drivers at an average annual premium of $2,793 annually.
Car insurance prices in Baton Rouge can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Baton Rouge drivers.
| Companies | Average annual rates |
|---|---|
| USAA | $2,153 |
| Southern Farm Bureau | $2,793 |
| Farmers | $3,148 |
| Geico | $3,627 |
| Progressive | $3,830 |
| State Farm | $3,948 |
| Safeway Insurance | $4,044 |
Cheapest car insurance cost in Baton Rouge by Age Group
USAA stands out as Baton Rouge's cheapest auto insurance company for teen drivers at an average annual of $5,473. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
Among the carriers analyzed, USAA is the cheapest car insurance option for young drivers in Baton Rouge, at $3,110 a year for a full coverage policy.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Baton Rouge is USAA. Its average rate for a full coverage car insurance policy is $2,181 per year.
If you are a senior driver in Baton Rouge and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $2,236 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $5,473 | $3,110 | $2,181 | $2,236 |
| Southern Farm Bureau | $6,349 | $4,259 | $2,951 | $3,141 |
| Geico | $9,368 | $5,516 | $3,557 | $3,468 |
| Progressive | $9,681 | $5,760 | $3,824 | $3,760 |
| Safeway Insurance | $10,219 | $6,002 | $3,834 | $3,598 |
| State Farm | $12,165 | $6,114 | $4,081 | $3,948 |
| LA Farm Bureau | $12,196 | $6,762 | $4,258 | $4,019 |
| Farmers | $12,205 | $5,618 | $3,150 | $2,721 |
| Auto Club Enterprises (AAA) | $13,926 | N/A | N/A | N/A |
Cheapest car insurance companies in Baton Rouge by driver profile
Your driving profile plays an important role in determining your car insurance rates in Baton Rouge. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Baton Rouge that suits your budget.
Here are some of the cheapest car insurance companies in Baton Rouge based on driver profile.
- Cheapest for a driver with poor credit: USAA
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: USAA
Drivers in Baton Rouge with poor credit can get the cheapest car insurance from USAA at an average cost of $3,301 a year, according to a data study by Insurance.com.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| USAA | $3,301 |
| Progressive | $7,534 |
| Geico | $9,233 |
| State Farm | $11,045 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Baton Rouge with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $2,582.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $2,582 |
| State Farm | $2,628 |
| Progressive | $5,419 |
| Geico | $10,869 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Baton Rouge is $2,807. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $2,807 |
| USAA | $3,362 |
| Progressive | $7,601 |
| Geico | $11,710 |
Cheapest auto insurance after a DUI: State Farm
In Baton Rouge, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $2,628 a year.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| State Farm | $2,628 |
| USAA | $3,464 |
| Progressive | $7,177 |
| Geico | $13,294 |
Average car insurance cost in Baton Rouge
On average, Baton Rouge drivers pay $3,166 annually, or $264 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Baton Rouge is $952.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $3,166 | $952 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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