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 or

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, 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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Car Insurance Baton Rouge, Louisiana Agents

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  • Mcinnis Insurance Services, Inc.


    Charles Mcinnis
    With more than 80 years of excellence, mcinnis insurance services, inc. Is eager to help you satisfy your insurance needs. We have several locations throughout louisiana with our main office located in baton rouge.founded in 1929, mcinnis insurance services, inc. Is a third generation firm of proven professionals, caring and conscientious people, and the kind of people you can depend upon. Contact our experienced staff to find the products that meet your needs.

    What makes your specific agency stand out from your competition?
    As an independent agency, we can customize an insurance plan that is right for your needs. At mcinnis insurance services, inc., We represent many "excellent" and "superior" a. M. Best rated companies. We specialize in offering superior products from companies with excellent claims service, at reasonable rates, with the most up to date automation. Our experienced staff includes licensed producers, account executives and customer service representatives with many years of experience and they will be available when you need them. We also have an in-house claims department to give you the personalized attention you require. The department is headed with a claims manager with over twenty years of experience.

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    • 12167

    7814 Office Park Blvd
    Baton Rouge, LA 70809
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  • State Farm: Mitch Mula


    Mitch Mula
    State farm agent since 2013. Call or stop by the office today for a fast and accurate auto insurance quote!

    What makes your specific agency stand out from your competition?
    Our mission is to provide auto insurance throughout baton rouge, la by putting the customer first & providing them with the knowledge and products to have a secure future for their family or business. For those that do not know us, we are known for our outstanding customer service! We believe people prefer to have someone they know to help guide them through both good & bad times.

    • Multi-line Discount

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    • LA-332086

    18291 Highland Road Suite 104
    Baton Rouge, LA 70809
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  • Guffey Insurance Agency


    Greg Guffey
    The people of louisiana have trusted guffey insurance agency, inc. With their insurance needs for over 30 years. We handle all lines of personal and business insurance. Call now for a free quote!

    11747 Wentling Ave
    Baton Rouge, LA 70816
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  • Citizens Bank & Trust


    2925 S Sherwood Forest Blvd
    Baton Rouge, LA 70816
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    good banking

  • Darnell Browning Insurance Agency


    5673 Jones Creek Rd
    Baton Rouge, LA 70817
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    The agent and staff always go above & beyond to help with every insurance need. Very genuine and always welcome you with a smile. :-)

    I have done business with them for years, and have referred friends and family with no complaints... This office is always willing to help, and I am always treated like family

  • David Cordell Insurance


    7942 Picardy Ave Ste D
    Baton Rouge, LA 70809
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    Caring staff tries to assist with all of your insurance needs

  • Gary Losey Insurance Agency


    8550 Anselmo Ln
    Baton Rouge, LA 70810
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    Great friendly customer service, willing to answer questions and explain. Plus, the price savings is fantastic!

  • Henry Insurance Service


    9624 Brookline Ave
    Baton Rouge, LA 70809
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    The people at Henry Insurance Service helped me get great rates on my insurance. They did all the comparison shopping for me. They started with helping me with my life insurance, but then I moved my car, homeowners and health insurance to them. Another satisfied customer

  • Jim Crane


    7285 Highland Rd
    Baton Rouge, LA 70808
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    These are these nicest insurance professionals. Best service ever!

    I would not use this insurance agency. They are slow and not very knowlegable and slow to repond to your needs.

  • John Chappetta


    13702 Coursey Sa
    Baton Rouge, LA 70816
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    I am a former employee of John Chappetta's Hammond office, and was unfairly dismissed without reason after nearly four months. John Chappetta, I believe, was unaware, as the hiring manager appeared to act solely on her own. Alisa Lavigne, the office manager, told John that I resigned. Because of Alisa Lavigne, I was denied benefits, which I only applied for two months after being dismissed, but I do not intend to let her lies and deception further affect hard workers in the Hammond area. John Chappetta, I must say, was a pleasure to be around, and one of the hardest working bosses I have had. His dedication to his customers is something special, but perhaps a staffing evaluation is needed.

  • Mcinnis Tyner


    7814 Office Park Blvd Ste 200
    Baton Rouge, LA 70809
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    These guy's are great! They help you the whole way! Get your quotes quickly. Help you pay your bill. Walk you through your claim. They have been more helpful than any insurance company should have to be. They have held my hand, called me on the phone to remind me and done more and been way beyond the call of duty!

    Cheri Fowler

  • Smith Insurance Agency


    1937 Perkins Rd
    Baton Rouge, LA 70808
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    This is the friendliest staff I've ever met! It was a pleasure meeting the agents here, as they were all so helpful and made my experience very pleasant. Great family atmosphere! I got extremely personal service with the best rates and low down payment. And I love Johannna! She is awesome!

  • Stephen Henry


    8676 Goodwood Blvd Ste 303
    Baton Rouge, LA 70806
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    This agency has great service

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Auto body shops Baton Rouge, Louisiana

Did you know ?

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.

Safety Tip

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

Savings Tip

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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