Louisiana is home to the highest premiums, with Baton Rouge being no exception. The Capital City residents pay $1,189 per year for minimum coverage, and $3,091 annually for full coverage — almost twice the national average of $1,674 .
Bankrate reviewed a variety of categories to find the best Baton Rouge car insurance company. This included customer service ratings, premiums quoted and coverage options. These analyses may help you not only to find the best policy but also the best car insurance premiums within your budget.
Baton Rouge’s best car insurance companies
Although there are many carriers that have good customer reviews, financial strength, and digital tools for policy administration, it may be difficult to find one that offers affordable premiums. Bankrate has narrowed down the options that you should consider when choosing the best Baton Rouge car insurance.
Geico
Geico has been providing insurance coverage for 85 years and is currently the second largest provider auto insurance in the U.S. Geico has the lowest rates among all the carriers and offers affordable policies to Baton Rouge drivers. Geico scored an impressive 857 points out of 1,000 points. This makes it one of the best carriers in 2020 J.D. Power Auto Insurance Study.
USAA
USAA provides auto insurance for current military personnel, veterans, and their immediate families. It is the fifth-largest provider in the U.S. of auto insurance. The J.D. survey rated USAA as the most satisfied with its customers. Power Auto Insurance Study scored 909 out 1000. It is not rank-ineligible due to membership restrictions. However, USAA’s high score probably directly translates into Baton Rouge policyholders experiences.
Southern Farm Bureau
Southern Farm Bureau doesn’t have a J.D. It does not have a J.D. Southern Farm Bureau serves six states, including Louisiana. It relies on a network local agents. Southern Farm Bureau offers optional coverage in addition to standard options like roadside assistance or medical payments coverage.
State Farm
State Farm, which has been offering insurance since 1922, is the largest provider of auto-insurance in the United States. It does not have the same J.D. score as other carriers, but it is still a good option for auto insurance. State Farm offers competitive rates to Baton Rouge drivers, despite not scoring as high in its J.D. You can also get discounts, which range from defensive driving up to good grades.
Baton Rouge: Lowest Car Insurance
Baton Rouge drivers may wish to compare insurance carriers to find the most affordable coverage. The average rate is $1,189 per year for minimum coverage, and $3,091 for full coverage. This is more than the Louisiana average of $2724
Many carriers offer competitive rates for car Insurance in Baton Rouge and many other benefits. Allstate, USAA and State Farm all have Superior A+ ratings or higher with AM Best. Each policy offers the ability to use a mobile app for policy administration. However, the State Farm app lets you get a quote and buy a policy from your smartphone.
Insurance requirements for Baton Rouge
Louisiana requires that drivers have minimum auto coverage. This includes 15/30/25 liability insurance. This covers:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
- $25,000 for property damage
Although you might be tempted to buy the minimum coverage that fits your budget, this may not provide enough protection to cover you financially in case you are involved in an accident. If you’re in an accident with someone without insurance and they are found to be at fault, then the uninsured motorist coverage will pay additional for your injuries. If you lease your vehicle, your lender may require that you have full coverage.
Baton Rouge: Car insurance discounts
The car insurance rates for Baton Rouge are higher than the national average. This may make it easier to get every discount you can, such as:
- Paid in full: If you pay your premiums upfront, rather than spreading them over several months, you might be eligible to receive discounted premiums.
- Discount for students: Check to see if your good grades qualify you for a student discount.
- Safety equipment: You may be eligible for additional savings if your vehicle has safety features such as anti-lock brakes or airbags.
- Protective driving: Most carriers offer a discount for enrolling in a defensive driving course. Only problem is that most carriers will not approve the course as one which qualifies for a discount.
You can save money on your Baton Rouge car insurance by not only getting discounts. Comparing the rates and coverages from different carriers will allow you to compare how much or little one charges. You could also choose to pay a higher deductible which will lower your premiums. It is worth looking at how a higher deductible could impact your ability afford to file a claim due the higher out-of pocket cost.
Questions frequently asked
Which is the best auto insurance company?
The best insurance provider usually offers the most comprehensive policy to fit your budget. You might also consider customer service ratings and digital tools to help you choose the right carrier for you. Bankrate reviewed several carriers that met the same criteria and found many to be strong contenders.
What is the cost of car insurance in Baton Rouge?
Average car insurance costs in Baton Rouge are $1,189 per year for minimum coverage, and $3,091 annually for full coverage. It is important to remember that rates may be higher or lower depending on your personal circumstances. Rates are determined by personal factors such as your ZIP code, age and vehicle.
