How to Find a Cheap Baton Rouge Auto Insurance Policy
Driving in Baton Rouge can be a challenging experience due to the city’s heavy traffic and frequent road construction. With so many drivers on the roads, motorists need to have reliable car insurance coverage that protects them financially in case of an accident or damage at a cheap rate. However, finding quality insurance at an affordable price can often seem like a daunting task. That’s how InsuranceQuotes helps drivers to quickly compare multiple insurance providers online. By taking the time to research different policies and prices from various companies, drivers in Baton Rouge can ensure they are getting the best deal possible while still maintaining adequate coverage for their vehicles
What is the Average Cost for Car Insurance in Baton Rouge, LA?
- State Minimum Liability: On average Baton Rouge drivers can expect to pay $123 a month or $1,477 a year.
- Full Coverage: Baton Rouge drivers can expect to pay $489 a month or $5,863 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Baton Rouge – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in Baton Rouge
- In Baton Rouge on average, the cheapest car insurance providers are USAA, Louisiana Farm Bureau and GEICO.
- State minimum liability car insurance starts at $88 a month or $1,062 a year with USAA and full coverage car insurance starts at $303 a month or $3,633 a year followed by LA Farm Bureau for the cheapest insurance providers in the city.
Here is a breakdown of average costs from the cheapest local insurance providers in Baton Rouge from our data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| USAA | $1,062 | $88 | $3,633 | $303 |
| LA Farm Bureau | $1,094 | $91 | $4,020 | $335 |
| GEICO | $1,318 | $110 | $6,247 | $521 |
| State Farm | $1,425 | $119 | $4,591 | $383 |
| Progressive | $1,641 | $137 | $8,002 | $667 |
What are State Minimum Liability Requirements for Louisiana?
Though you may want to opt for higher coverage, here are the minimum car insurance requirements in Louisiana if you are looking for state minimum liability coverage and need the cheapest policy to maintain coverage while on the road:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These are the minimum coverage limits required by the state. Keep in mind that these limits may not provide comprehensive coverage, and you may consider higher coverage limits or additional coverage options such as comprehensive and collision insurance for better protection.
Top Tips for Saving Money on Your LA Car Insurance Policy
Saving money on car insurance in Louisiana can be achieved through various strategies. Here are some top tips to help you secure the cheapest policy rates:
- Shop Around:
- Obtain quotes from multiple insurance providers to compare rates. Prices can vary, so shopping around allows you to find the most affordable option.
- Bundle Policies:
- Bundle your auto insurance with other policies, such as home or renters insurance, with the same provider. Many insurers offer discounts for bundling.
- Maintain a Good Driving Record:
- Safe driving habits can lead to lower premiums. Avoid accidents and traffic violations to maintain a clean driving record, which is often rewarded with lower insurance costs.
- Increase Deductibles:
- Consider raising your deductibles for comprehensive and collision coverage. Higher deductibles typically result in lower premiums.
- Ask About Discounts:
- Inquire about available discounts, such as good student discounts, safe driver discounts, or discounts for safety features on your vehicle. Insurance providers may offer various discounts that can significantly reduce your premium.
- Maintain Good Credit:
- Insurers in some states, including Louisiana, use credit scores to determine premiums. Maintaining a good credit score may help lower your car insurance costs.
- Choose a Safe Car:
- Vehicles with safety features may qualify for lower premiums. Check with your insurance provider to see if your car’s safety features make you eligible for discounts.
- Review Your Coverage:
- Regularly reassess your coverage needs. If your circumstances change or if you have an older vehicle, you may be able to adjust your coverage to save on premiums.
- Drive Less:
- If possible, reduce your annual mileage. Some insurance companies offer discounts for low-mileage drivers.
- Take Advantage of Loyalty Discounts:
- Inquire if your insurance provider offers discounts for long-term customers. Loyalty rewards may be available for staying with the same company.
- Complete a Defensive Driving Course:
- Some insurers offer discounts for completing defensive driving courses. Check with your provider to see if this option is available.
How Much Does a DUI Raise Your Car Insurance Premiums in Baton Rouge?
In Louisiana, a DUI conviction remains on your driving record for several years, typically five to ten years, depending on the severity of the offense. During this time, insurers are likely to view you as a higher risk, leading to increased premiums.
On average, the increase in insurance premiums after a DUI can range from 50% to 100% or more. It’s essential to note that this is a general estimate, and individual circumstances may lead to higher or lower increases. The impact of a DUI on insurance costs is substantial, emphasizing the importance of avoiding impaired driving for both safety and financial reasons.
If you’ve been convicted of a DUI, it’s advisable to shop around for car insurance quotes, as different insurance providers may assess risk differently. Additionally, some insurers specialize in providing coverage for high-risk drivers, but their premiums are likely to be higher than those for drivers with clean records. Always disclose your DUI conviction when seeking insurance quotes to ensure accurate pricing and coverage information.
