Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in South Baton Rouge, Baton Rouge, LA
We monitor insurance prices, helping the average driver in South Baton Rouge save up to 33.9% on car insurance.
The Cheapest Minimum Coverage in South Baton Rouge
The chart below shows the cheapest car insurance company in South 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 Farm Bureau, followed by State Farm, Safeco Insurance, and Clearcover.
| South Baton Rouge Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $121 |
| State Farm | $143 |
| Safeco Insurance | $145 |
| Clearcover | $160 |
Savings for Every Kind of South Baton Rouge Driver
Based on our extensive insurance data, we know the average South Baton Rouge driver will save about 28% 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 $931 per year by choosing the right vehicle insurance company. Some South Baton Rouge residents are paying out over $3,346 extra every year for auto insurance in South Baton Rouge. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Baton Rouge, Baton Rouge, LA Savings / Yr. |
|---|---|
$931 |
|
$1,632 |
|
$1,161 |
|
$1,752 |
|
$2,779 |
|
$863 |
|
$1,483 |
South Baton Rouge Car Insurance vs. Baton Rouge
People living in South Baton Rouge pay an average of 11.04% more than the typical driver in the state. The average driver in South Baton Rouge can expect to pay about $2,116 per year, or $3,346 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in South Baton Rouge for most people.
Car Insurance Prices by South Baton Rouge Neighborhood
Insurance Prices
Where is insurance cheapest within South Baton Rouge?
The map shows insurance prices in and around South Baton Rouge, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $606 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,727 to a low of $3,121. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of South Baton Rouge.Pick the Best Car Insurance Company for You in South Baton Rouge
The best car insurance provider for most drivers in South Baton Rouge
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $931 over the average South Baton Rouge car insurance company.
The best car insurance provider for South Baton Rouge drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $1,632 over the competition.
The best car insurance company for South Baton Rouge drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,161 better than other car insurance companies.
The best auto insurance for South Baton Rouge drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $1,752 less each year.
The least expensive car insurance company for new and young drivers in South Baton Rouge
In South Baton Rouge, Farm Bureau costs young drivers $2,779 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Baton Rouge
Farm Bureau gave the largest car insurance discounts to married couples, averaging $863 saved each year compared to an average South Baton Rouge couple's premiums.
The cheapest car insurance in South Baton Rouge for drivers with bad credit
The best South Baton Rouge car insurance company for customer service
Nationwide was the best company for customer service in South Baton Rouge according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in South Baton Rouge, which was better than other insurers.
The cheapest large national provider in South Baton Rouge
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average South Baton Rouge driver can expect to pay about $222 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 South Baton Rouge, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and married couples.Auto Insurance Prices in and Around South Baton Rouge
What Influences the Cost of Car Insurance in South Baton Rouge?
On average, car insurance in South 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 neighborhood are influenced by the following factors:
- The average commute time in South Baton Rouge is 28 minutes, which is about the national average for a driver in the city.
- Louisiana state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in South Baton Rouge are among the highest 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 B+ according to CrimeGrade.org.
- South Baton Rouge is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in South Baton Rouge is $176 per month for minimum coverage and $279 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 Neighborhoods
- Airline-Jefferson: Insurance costs 3.23% less
- Highlands-Perkins: Insurance costs 2.27% less
- Mid City South: Insurance costs 1.08% less
- Broadmoor-Sherwood: Insurance costs 4.54% more
- Lobdell-Woodale: Insurance costs 7.08% more
- Garden District: Insurance costs 4.27% more
- Belfair: Insurance costs 10.22% more
- Park Forest-Louisiana North: Insurance costs 6.16% more
- Mid City North: Insurance costs 10.16% more
- Greenwell Springs-Central Area: Insurance costs 4.60% more
Neighborhoods with Similar Populations
- Clearing: Insurance costs 43.63% less
- Sixteen Acres: Insurance costs 50.39% less
- Roseway: Insurance costs 47.67% less
- Fox Chase-Burholme: Insurance costs 53.89% less
- Forest Hill: Insurance costs 26.18% less
- Fairhill: Insurance costs 47.01% less
- Downtown Stamford: Insurance costs 29.68% less
- Dorchester Heights: Insurance costs 43.93% less
- Creston: Insurance costs 14.64% less
- Charles Village: Insurance costs 31.92% less