Baton Rouge Car Insurance

Your 2017 Guide to Car Insurance in Baton Rouge, LA

Anyone who has ever come across a sudden curve while driving down Highway 935 or has braved their way through the I-10/I-12 interchange during rush hour knows how dangerous Baton Rouge roadways can be. Deep drainage ditches and curving roads are common in this Louisiana city. Accidents can happen anywhere, especially when heavy rains cause slick roads and limited visibility, so it is important that residents protect themselves from financial losses with a suitable Baton Rouge, LA car insurance policy.

Baton Rouge, Louisiana Car Insurance Costs:

  • National average annual premium: $1,311
  • Louisiana average annual premium: $1,774
  • 4th most expensive premiums in the US

Louisiana insurance costs are considerably above the national average, but keep in mind that they are only an estimate of how much your policy will cost you. Your insurance rates will be calculated based on several factors including, but not limited to:

  • The make, model and year of your car
  • Your age and driving record
  • Where you park your car when not in use
  • The number of miles you drive per year
  • The coverage options you choose

Baton Rouge, Louisiana Car Insurance Requirements:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured Motorist: not required
  • Minimum liability limits: 15/30/25
    • Coverage up to $30,000 for all persons injured in an accident, subject to a limit of $15,000 for one individual, and $25,000 coverage for property damage.

Every state has minimum coverage requirements for automobile insurance and Louisiana is no exception. These minimums are designed to protect both your finances and those of any third party with whom you may be involved in a collision. You will need to be certain that your Baton Rouge car insurance policy meets these requirements.

Though the minimums may seem high, a serious collision has the potential to go beyond the coverage limits of a basic policy, and if this happens, you will be responsible for the excess costs. For this reason, most insurance experts recommend purchasing as much liability protection as you can easily afford.

Baton Rouge, Louisiana Unisured Motorists:

  • National uninsured motorists: 12.6%
  • Louisiana uninsured motorists: 13.9%
  • Louisiana average vehicle repair cost: $2,585

The percentage of Louisiana vehicle owners without the required coverage is a little higher than the national average. Keep in mind that, whether or not you hold the required insurance coverage, you’re still responsible for any damage or injuries you cause in an accident.

If you are in an accident with an uninsured driver, you’ll find it takes a lot longer to collect money from individuals without an insurance company. Uninsured motorist coverage is optional in Louisiana, but it will help you recoup damage and losses from an uninsured motorist faster. With uninsured motorist coverage, you’ll be able to collect money from your insurer to cover your costs, and your insurance company will collect from the liable driver.

Number of Thefts in Baton Rouge, Louisiana:

  • National average number of vehicle thefts (per 1,000 registered vehicles): 2.94
  • Louisiana number of vehicle thefts (per 1,000 registered vehicles): 2.06

While the number of car thefts in this state is slightly below the national average, residents of Baton Rouge should take precautions to prevent their vehicle from being stolen. Auto theft rates are a bit higher than average in this city than the state as a whole. Recent numbers show there were 521 reports of stolen vehicles. This equates to 2.28 thefts per every 1,000 registered vehicles.

A comprehensive Baton Rouge car insurance policy will provide reimbursement for losses due to theft or vandalism to your car. It will also protect you from losses due to falling objects, weather-related events, floods and fires.

Obtain an Ideal Baton Rouge Car Insurance Policy

Insurance experts agree that in order to ensure that you are purchasing your policy at a competitive rate, you should always obtain a minimum of three insurance quotes while comparison shopping. Trusted Choice® member agents can simplify this process by doing the comparison shopping for you. These independent agents have relationships with several different insurance companies and can use these relationships to find you a variety of suitable policies at affordable rates.

Your local Trusted Choice agent can do more than just help you find the right car insurance policy. Agents are available to assist you with all your insurance-related questions and needs and will even advocate for you during the claims process if you need help. Call today to find a network agent in your neighborhood and obtain your obligation-free selection of Baton Rouge auto insurance quotes.

Now, who's ready to get their insurance problems solved?