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Get Cheap Car Insurance in Baton Rouge, SC
We monitor insurance prices, helping the average driver in Baton Rouge save up to 29.7% on car insurance.
The Cheapest Minimum Coverage in Baton Rouge
The chart below shows the cheapest car insurance company in Baton Rouge for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Auto-Owners Insurance, and Safeco Insurance.
| Baton Rouge Insurer | Monthly Cost |
|---|---|
| Geico | $58 |
| State Farm | $66 |
| Auto-Owners Insurance | $66 |
| Safeco Insurance | $72 |
Savings for Every Kind of Baton Rouge Driver
Based on our extensive insurance data, we know the average Baton Rouge driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $361 per year by choosing the right vehicle insurance company. Some Baton Rouge residents are paying out over $1,646 extra every year for auto insurance in Baton Rouge. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Baton Rouge, SC Savings / Yr. |
|---|---|
$361 |
|
$648 |
|
$548 |
|
$681 |
|
$1,332 |
|
$305 |
|
$396 |
Baton Rouge Car Insurance vs. South Carolina
People living in Baton Rouge pay an average of 1.02% more than the typical driver in the state. The average driver in Baton Rouge can expect to pay about $968 per year, or $1,646 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Baton Rouge for most people.
Car Insurance Prices by Baton Rouge Neighborhood
Insurance Prices
Where is insurance cheapest within Baton Rouge?
The map shows insurance prices in and around Baton Rouge, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $44 per year within the city boundaries, with insurance premiums ranging from a high of $1,676 to a low of $1,632. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the South parts of Baton Rouge.Pick the Best Car Insurance Company for You in Baton Rouge
The best car insurance provider for most drivers in Baton Rouge
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $361 over the average Baton Rouge car insurance company.
The best car insurance provider for Baton Rouge drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $648 over the competition.
The best car insurance company for Baton Rouge drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $548 better than other car insurance companies.
The best auto insurance for Baton Rouge drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $681 less each year.
The least expensive car insurance company for new and young drivers in Baton Rouge
In Baton Rouge, Geico costs young drivers $1,332 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Baton Rouge
Geico gave the largest car insurance discounts to married couples, averaging $305 saved each year compared to an average Baton Rouge couple's premiums.
The cheapest car insurance in Baton Rouge for drivers with bad credit
The best Baton Rouge car insurance company for customer service
Nationwide was the best company for customer service in Baton Rouge according to the NAIC.
Recent price drops
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The cheapest large national provider in Baton Rouge
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Baton Rouge driver can expect to pay about $110 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Baton Rouge, USAA has the best prices for drivers with speeding tickets, married couples, drivers with accidents, drivers with a DUI conviction, good drivers, drivers with bad credit, and young drivers.Auto Insurance Prices in and Around Baton Rouge
What Influences the Cost of Car Insurance in Baton Rouge?
On average, car insurance in Baton Rouge is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Baton Rouge is 42 minutes, which is a little more than average for a driver in the state.
- South Carolina state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Baton Rouge are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Baton Rouge has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Baton Rouge is $81 per month for minimum coverage and $137 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Wilksburg: Insurance costs 1.46% more
- Gayle Mill: Insurance costs 1.22% less
- Leeds: Insurance costs 0.24% more
- Mckeown: Insurance costs 1.70% more
- Chester: Insurance costs 5.16% more
- Lockhart: Insurance costs 1.64% less
- Carlisle: Insurance costs 1.52% more
- Cornwell: Insurance costs 2.37% less
- Shelton: Insurance costs 2.13% more
- Lewis: Insurance costs 0.67% more
Cities with Similar Populations
- Lava: Insurance costs 42.16% more
- Herbster: Insurance costs 27.64% less
- High Island: Insurance costs 2.61% more
- Holcomb: Insurance costs 18.65% less
- Hunter: Insurance costs 5.59% less
- Inlet: Insurance costs 40.52% more
- Iona: Insurance costs 25.82% less
- Ironshire: Insurance costs 8.32% more
- Jamaica: Insurance costs 25.15% less
- Jameson: Insurance costs 7.29% more