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Car Insurance Agents in Baton Rouge
Baton Rouge car insurance agents are valuable resources of information for Louisiana drivers. Because agents live and work in the community, they are familiar with Louisiana insurance laws and can assist clients with personalizing an auto insurance plan to fully protect drivers and their vehicles from the financially devastating effects of an unexpected car accident.
Allstate Insurance maintains a team of 32 agents to serve Baton Rouge and neighboring communities such as Baker, Zachary, Greenwell Springs and Prairieville with rates, coverage and claims assistance.
Farmers Insurance does not provide car insurance in Baton Rouge. Instead, 21st Century Insurance, one of Farmers’ sister companies, offers auto insurance directly by phone or on their website.
Baton Rouge is home to 14 Progressive Insurance agents who assist residents with their auto insurance coverage needs.
State Farm offers 50 insurance agents to clients in Baton Rouge and neighboring cities including Port Allen, Baker, Greenwell Springs, Plaquemine, Central, Denham Springs, Zachary, Prairieville, Geismar, Walker and Gonzales.
If you can’t find your agency on our resource list, email us using our contact form. We only accept individual agent listings through our paid feature option at this time.
Baton Rouge Car Insurance Rates
According to reports by CarInsurance.com, Baton Rouge car insurance averages $2,148 per year making it 8 percent lower than Louisiana average premiums but 7 percent higher than national car insurance premium annual averages.
Because rates are so high for Baton Rouge auto insurance, drivers should review coverage each year and obtain new quotes just to make sure that they are receiving the best rates and coverage available in the marketplace.
Driving in Baton Rouge
Although the capital of Louisiana, the population of 230,000 makes Baton Rouge the 2nd largest city in Louisiana. However, the greater metropolitan area of Baton Rouge includes a population of 802,000 according to the United States Census of 2010.
Serving as a major industry hub in the South for industrial, petrochemical, medical and research, Baton Rouge also boasts the 9th largest port in the nation. Education also plays an important role with major universities and colleges located in this college town. Major highways run through Baton Rouge including Interstate 10, 12 and 110 as well as U.S. Highways 61 and 190. Because of the city’s rapid growth, traffic congestion is a major problem particularly on Interstate 12 and I-10 heading east.
Many of the surface streets also have a problem with traffic; however, the city has several projects underway to help relieve some of the traffic on thoroughfares and roads in Baton Rouge.
The traffic issue is confirmed by the 2011 INRIX National Traffic Scorecard that ranked Baton Rouge 42 out of 100 for most congested metropolitan areas showing an increase in congestion of 7 percent from the previous year.
Besides congestion, Baton Rouge drivers also tend to be a little less safe on the roads as well. According to the Allstate Insurance 2011 Best Drivers Report the city of Baton Rouge ranks 159 out of 200 cities with a 30.3 percent accident likelihood when driving in the city. Statistics from the National Highway Traffic Safety Administration found that East Baton Rouge Parish was ranked number one out of all other Louisiana parishes for traffic fatalities from 2007 to 2010.
In 2010 the Parish had 42 car accident related deaths with 15 caused by an alcohol impaired driver, and 2010 fatality stats actually decreased by 19 percent compared to the previous year, 2009.
The city of Baton Rouge and Parish of East Baton Rouge sponsor a traffic incident website where residents can find traffic reports for Baton Rouge with data related to traffic accidents, congestion and road closures. Residents can also use their mobile devices to receive real time updates as well.
Louisiana Auto Insurance Laws
Louisiana has some of the least restrictive auto insurance laws of any other state in the nation. Louisiana car insurance laws only require liability insurance, and their minimum requirements are also some of the lowest in the country. Liability insurance of bodily injury for one person, $15,000; bodily injury per accident, $30,000; and property damage, $25,000 is required, and these coverage limits are for vehicles under 20,000 pounds – covering most cars, vans, pickups and SUVs. Louisiana law has other limits for vehicles of differing weights.
Explore our Louisiana car insurance resource guide to learn more about specific state requirements and minimums.
Baton Rouge Car Insurance Quotes
Our instant insurance quote tool provides all the coverage features and rates you need to make an informed decision about which Baton Rouge car insurance policy is right for your needs. Find savings on your car insurance today by entering your zip code in the form below. You’ll receive multiple quotes from a variety of insurance carriers right to your computer screen within seconds along with the option to purchase coverage you select instantly.