Cheapest car insurance companies in Baton Rouge 

Southern Farm Bureau and Farmers offer the cheapest car insurance rates in Baton Rouge for 2023, according to a study by Insurance.com.

Southern Farm Bureau is the cheapest option for most Baton Rouge drivers, with an average annual rate of $2,793

Car insurance costs may vary in Baton Rouge based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Baton Rouge.

CompaniesAverage 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 is the cheapest option for car insurance in Baton Rouge for teen drivers, with average annual premiums at just $5,473 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

USAA provides the cheapest car insurance coverage for young drivers in Baton Rouge, with an annual premium of $3,110 on average.

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

CompanyTeensYoung AdultsAdultsSeniors
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)$13,926N/AN/AN/A

Cheapest car insurance companies in Baton Rouge by driver profile 

Insurers in Baton Rouge consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

To find the cheapest car insurance company in Baton Rouge, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

In Baton Rouge, these insurance companies offer cheap car insurance rates based on your driver profile.

The cheapest car insurance company for a driver with poor credit is USAA. It offers auto insurance for Baton Rouge drivers at about $3,301 per year

The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores. 

CompanyAverage annual rates
USAA$3,301
Progressive$7,534
Geico$9,233
State Farm$11,045

USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Baton Rouge. Its full coverage car insurance policy costs an average of $2,582 per year for drivers aged 30. 

Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs. 

CompanyAverage annual premium
USAA$2,582
State Farm$2,628
Progressive$5,419
Geico$10,869

According to Insurance.com's analysis, State Farm tops the list of cheap car insurance providers in Baton Rouge for drivers involved in at-fault accidents, with an average annual cost of $2,807. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget. 

CompanyAverage annual rates
State Farm$2,807
USAA$3,362
Progressive$7,601
Geico$11,710

Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Baton Rouge for drivers with a DUI, with an average annual premium of $2,628.

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
State Farm$2,628
USAA$3,464
Progressive$7,177
Geico$13,294

Average car insurance cost in Baton Rouge 

Full coverage car insurance in Baton Rouge for a coverage limit of 100/300/100 is $3,166 per year or $264 per month, while the state minimum coverage costs an average of $952 a year.

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 RatesState 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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