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Baton Rouge Car Insurance Resources

Baton Rouge, LA Car Insurance

Cars Insured in Baton Rouge

^ There are an estimated 145,842 vehicles currently insured in Baton Rouge. [1]

Car Insurance Rates in Baton Rouge

^ From 2006 to 2010, Louisiana cities had the 3rd highest auto insurance rates in the nation. [2]

Uninsured Motorists in Baton Rouge

^ There are an estimated 20,807 uninsured motorists driving in Baton Rouge. [3]

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Baton Rouge Car Insurance

Car Insurance Liability Requirements in Baton Rouge

  • Minimum Liability Limits in Baton Rouge: 15/30/25 [4]
    • 15  Required coverage up to $15,000 for one individual injured in an accident
    • 30  Required coverage up to $30,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Baton Rouge

Required Car Insurance Coverage in Baton Rouge
  • Baton Rouge Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Baton Rouge

  • Insurer Verification of Auto Insurance in Baton Rouge [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Baton Rouge Car Insurance Facts, Estimates & Related Laws

Baton Rouge Car Insurance Stats

Baton Rouge Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Baton Rouge
    • Based on historical and current data, 145,842 cars are currently insured in Baton Rouge. [5]
    • Louisiana cities collectively ranked 26th in the nation in auto insurance policies in 2011 with a total of 2,880,946. [1]
  • Uninsured Motorist Rate in Baton Rouge
    • Based on historical and current data, Baton Rouge has an estimated 20,807 uninsured drivers. [6]
    • Louisiana cities collectively had the 27th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Baton Rouge
    • Louisiana cities collectively had the 3rd highest auto insurance rates in the nation in 2010. [2]

Baton Rouge Distracted Driving Laws


  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all learner's permit holders, irrespective of age, and all intermediate license holders. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to all novice drivers, see footnote for detail4. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Baton Rouge Automotive Laws

  • Minimum Driving Age in Baton Rouge [9]
    • Baton Rouge, LA minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Baton Rouge
    • Renewal cycle: 4 years [7]
  • Motorcycle Helmet Laws in Baton Rouge
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Baton Rouge
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 13+ years in all seats. [7]
    • Child restraint law in place for younger than 1 year or less than 20 pounds in a child safety seat; 1 - 3 years or 20-39 pounds in a forward-facing child safety seat; 4 - 5 years or 40-60 pounds in a child booster seat. [7]

Louisiana Car & Driver Facts

Louisiana Auto Registrations

Louisiana Car & Driver Facts
  • Auto Registrations in LA [8]
    • Registered Cars: 1,801,488
    • Registered Trucks: 2,169,221
    • Registered Motorcycles: 68,460
    • Total Registrations: 4,052,596
    • Rank: Louisiana ranked 23rd in the United States in total auto registrations in 2011.

Louisiana Automotive Facts

  • Speed Limits in LA
    • Rural interstates: 75 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 65 mph [7]
  • Louisiana Motor Fuel Consumption
    • Louisiana cities collectively ranked 24th in the nation in total motor fuel consumption in 2011. [10]

Louisiana Licensed Drivers

  • Licensed Drivers in LA [11]
    • Female Drivers: 1,646,556
    • Male Drivers: 1,539,671
    • Total Drivers: 3,186,227
    • Rank: 25th highest in the U.S.

Additional information about Baton Rouge, LA

About Baton Rouge

Baton Rouge (Louisiana) is a city with a population of 229,493 [12] that is located in East Baton Rouge County.

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More about Baton Rouge auto insurance

For more information about Baton Rouge car insurance, or for additional resources regarding Louisiana car insurance overall, visit the Louisiana Department of Insurance.

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

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