Baton Rouge can be an exciting place to drive, if you have adequate coverage. Understanding how car insurance works in this city can help you save money—and stress. A six-month policy on average costs $1,570, or $262 per month. The cheapest rate of $988 is only available to military veterans and their families.
This guide will explore the costs of car insurance in Baton Rouge, the top coverage options, and essential information regarding obtaining minimum coverage. Read before you drive!
Car Insurance in Baton Rouge, LA
Louisiana’s regulations stipulate that your minimum coverage must comprise:
- $15,000 for each person if someone gets hurt.
- $30,000 for all injuries in an accident.
- $25,000 for damage to property.
If you fail to show proof that you have insurance when the police ask, you risk fines or loss of registration.
Here’s where Beem can make a difference. It’s an app that makes it easy to get the best deal on car insurance. With Beem, you can compare prices from different companies like Progressive and Geico without any hassle. You can potentially save up to $1,000 a year.
Read Related Blog: Car Insurance in Pensacola, FL
How Much Does Car Insurance Cost in Baton Rouge?
Car insurance in Baton Rouge usually costs about $1,570 for six months, which comes out to around $262 per month. However, cheaper options exist, like USAA, which offers rates as low as $988 for the same period. Not everyone can get it, though.
Another good choice is Geico, which has rates lower than the city’s average. Compared to other places, Baton Rouge residents pay more for car insurance, with nearly 39% thinking they’re paying too much. So, it’s a good idea to take a closer look at what’s considered a fair price and how insurance companies figure out what to charge.
| State | Average 6-Month Premium |
| Baton Rouge Average | $1,570 |
| Louisiana Average | $1,343 |
Cheapest Car Insurance Companies in Baton Rouge
If you’re looking for cheap car insurance in Baton Rouge, check out USAA. They offer full coverage for $165 per month or $988 for six months, mainly for military members and their families. Another good option is Geico, which costs around $207 per month or $1,244 for six months, which is still cheaper than the city’s average. Southern Farm Bureau is also pretty affordable, with an average of $1,373 for six months.
| Company | Average 6-Month Premium |
| USAA | $988 |
| Geico | $1,244 |
| Southern Farm Bureau | $1,373 |
| State Farm | $1,378 |
| MetLife | $1,590 |
| Progressive | $2,293 |
| Allstate | $2,431 |
Read related blog: GAP Insurance vs New Car Replacement – What’s the Difference?
Auto Insurance Premiums for Minimum Coverage in Baton Rouge
Car insurance costs depend on how much coverage you require. While about 32% of drivers in Baton Rouge have minimum required coverage, chances are, you’d need more.
Adding coverage options like collision or comprehensive will result in higher premiums, but it gives you better protection. You can save some money by raising your deductibles. Some insurers offer extra options like roadside assistance or protection against uninsured drivers. It’s about finding the right balance between coverage and cost.
| Company | Average 6-Month Premium |
| GEICO | $324 |
| USAA | $363 |
| State Farm | $471 |
| Southern Farm Bureau | $527 |
| Allstate | $690 |
| Progressive | $762 |
| MetLife | $847 |
Conclusion
Appropriate car insurance in Baton Rouge can safeguard you as you navigate the city’s roads. With Beem, you can secure your optimal coverage effortlessly by comparing various insurers.
Opting for the cheapest or minimum coverage may seem appealing, but it’s worth having better coverage at a higher price. Strike the right balance between coverage and cost.
FAQs (Car Insurance in Baton Rouge, LA)
Why is car insurance so expensive in Baton Rouge?
Car insurance in Baton Rouge can be expensive due to various factors, such as high rates of traffic accidents, severe weather conditions like storms, and other risk factors contributing to increased insurance claims. Louisiana’s unique insurance laws and regulations can also impact pricing, making insurance premiums higher than other areas.
Who offers the cheapest car insurance in Baton Rouge?
The cheapest car insurance company in Baton Rouge varies depending on individual circumstances, such as driving record, age, and type of vehicle. However, based on recent data, USAA often emerges as one of the cheapest options for eligible military members and their families. Other affordable choices include Geico and Southern Farm Bureau.
How much car insurance do I need in Baton Rouge?
In Baton Rouge, it’s essential to have at least the minimum required car insurance coverage mandated by Louisiana law. This includes liability coverage with limits of at least $15,000 per person, $30,000 per accident for bodily injury, and $25,000 for property damage. However, considering factors like your assets and potential risks, it’s often wise to opt for additional coverage beyond the minimum to ensure adequate protection.
