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Cheap Car Insurance in Baton Rouge, Louisiana

Here are some facts about Baton Rouge when searching for cheap car insurance. The capital and second largest city in Louisiana was named for the French term meaning “red stick” – a tribal marker first discovered by French explorers in the area. Home to about 229,000, Baton Rouge is very much a college town, since students from Louisiana State University, Our Lady of the Lake and Southern University make up about 20 percent of the population. Baton Rouge boasts the 10th largest port in the U.S., which is the farthest port up the Mississippi River that is accessible by Panamax ships. 

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Driving Conditions in Baton Rouge

Gridlock in Baton Rouge during rush hour has become a regular complaint of drivers. Compared to average U.S. Cities commute of 25.2 minutes, Baton Rouge has a commute time at just over 27 minutes, according to Census Bureau data. It's longer than other Louisiana cities, including New Orleans and Lafayette, which were on par with the U.S. average.

Current information on accidents, construction and weather-related delays is available by calling 511 or accessing 511la.org or brgov.com/traffic.

Unique Laws in Baton Rouge

In Louisiana, a county is known as a parish, and Baton Rouge lies in – and is consolidated with – East Baton Rouge Parish.

Louisiana is one of a handful of states where it is illegal for any vehicle to use hazard lights while moving, according to a list state laws compiled by the website, lifehacker.com. Other states allow it in emergency situations or to indicate a hazard such as heavy rain, while some allow hazard light use at any time.

More obscure but entertaining laws specify that you can get jail or prison time for stealing an alligator or crawfish. The crawfish law refers to commercially grown, farm specimens that are worth more than $500. The alligator law refers to either a living or dead gator, taken by a person “with intent to deprive the other permanently of the alligator, the alligator's skin or part of an alligator.”

Baton Rouge Crime Statistics

Louisiana has had the nation's highest murder rate per capita since 1989, according to FBI statistics, with Baton Rouge with the third highest rate among Louisiana cities after New Orleans and Monroe.

As far as car thefts, Baton Rouge had 1,968 cases in 2016, according to the National Insurance Crime Bureau, or a rate of 273 incidents per 100,000 people. The national average is 220 incidents per 100,000 people.

Baton Rouge Safety Requirements

The driver and all passengers in Louisiana must wear seat belts, according to state laws. The “Child Occupant Seatbelt Law” states children between the ages of 6 and 12 years old must be restrained by appropriate means – either a lap belt and shoulder harness or a booster seat. Louisiana bans texting or reading texts while driving, as well as cellphone use in a school zone.

Baton Rouge Impaired Driving Laws

Drivers can be charged with driving while intoxicated if they have a breath or blood alcohol content of .08 or more, even if their driving wasn't impaired, Louisiana laws state. A BAC of .08 is a standard measurement across the U.S. For those under 21, the penalties are the same for a BAC of .02. First offenders receive 2 days in jail or 32 hours community service, plus fines.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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