By: Ishan Mukhopadhyay Oct. 03, 2018

A recent analysis of car insurance premiums in Baton Rouge, LA, showed that 18-year-old single men with two at-fault accidents in the last 18 months make the biggest savings between the 75th and 25th percentile in premium rates, at 47.27%. This is followed by the cohort of 18-year-old single men with one at-fault accident in the last 18 months, at 46.86%. For this analysis, Raltin considered the bodily injury per person limit to be $15,000, the bodily injury per accident limit to be $30,000 and the property damage per accident limit to be $30,000. The uninsured motorist liability was considered as $15,000, and the uninsured motorist liability per accident limit was considered to be $ 30,000. The cars chosen were 2011, 2014, and 2017 models of Toyota Camry.

The most expensive premiums are paid by the cohort comprising 18-year-old men, the lowest of which is $780, offered by Pharmacists Mutual Insurance Company. The most expensive premium for this category of drivers is $7,666, offered by Imperial Fire and Casualty Insurance Company (Classic Program). The second most expensive premiums are paid by 18-year-old single women, the lowest of which is $589, offered by Auto Club Family Insurance Company.

The cheapest premiums are paid by 60-year-old married women with one at-fault accident in the last 18 months, starting at $192 offered by Pharmacists Mutual Insurance Company. The second cheapest premiums are available to 30-year-old married men with no at-fault accident in the last 18 months, starting at $296 offered once again by Pharmacists Mutual Insurance Company. Therefore, if you belong to any of these cohorts and live in Baton Rouge, LA, your chances of saving on car insurance premiums are significantly high.

The following graph shows a comparison of premium rates across customer cohorts for Baton Rouge, LA. 

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The following table compares the car insurance premiums for key cohorts in Baton Rouge, LA, along with the names of the companies and the differences between the 75th and 25th percentiles in premium rates.

CohortCheapest Car Insurance Companies in Baton Rouge, LAMost Expensive Car Insurance Companies in Baton Rouge, LAMedian Car Insurance Companies in Baton Rouge, LA25th Percentile of Car Insurance Premiums in Baton Rouge, LA75th Percentile of Car Insurance Premiums in Baton Rouge, LADollar Difference between 75th and 25th PercentilesPercentage Difference between 75th and 25th Percentiles
21-year-old single women with two at-fault accidents in the last 18 monthsAuto Club Family Ins Co ($583)Imperial Fire & Casualty Ins. Co. (Classic Program) ($6,489)21st Century Centennial Ins. Co. (New Program) ($2,073)Massachusetts Bay Ins. Co. ($1,451)GoAuto Ins. Co. (Old Program) ($2,597)$1,14644.13%
60-year-old married women with one at-fault accident in the last 18 monthsPharmacists Mutual Ins. Co. ($192)La. Auto Insurance Plan ($1,996)ANPAC Louisiana Ins. Co. ($583)Cincinnati Ins Co ($463)Foremost Ins. Co. ($770)$30739.87%
30-year-old married men with no at-fault accident in the last 18 monthsPharmacists Mutual Ins. Co. ($296)La. Auto Insurance Plan ($2,446)Imperial Fire & Casualty Ins. Co. (Value Program) ($665)Republic Fire and Casualty Ins. Co. (Old Program) ($529)Ace Ins. Co. of the Midwest ($852)$32337.91%
18-year-old single women with one at-fault accident in the last 18 monthsAuto Club Family Ins Co ($589)Encompass Property & Casualty Co. ($5,975)Fireman's Fund Ins Co. ($2,497)RLI Ins. Co. ($1,757)Direct General Ins. Co. of La. (Older Program) ($3,454)$1,69749.13%
18-year-old single menwith one at-fault accident in the last 18 monthsPharmacists Mutual Ins. Co. ($780)Imperial Fire & Casualty Ins. Co. (Classic Program) ($7,666)Liberty Personal Ins. Co. ($3,062)GEICO Casualty Co. ($2141)Direct General Ins. Co. of La. (Older Program) ($4,029)$1,88846.86%
48-year-old single women with no at-fault accident in the last 18 monthsAuto Club Family Ins Co ($446)Foremost Ins. Co. ($3,785)Safe Auto Ins. Co. (New Program) ($1,446)Property & Casualty Ins. Co. of Hartford ($1,089)National Automotive Ins. Co. (Old Program) ($1,869)$78041.73%
21-year-old single men with two at-fault accident in the last 18 monthsPharmacists Mutual Ins. Co. ($653)La. Auto Insurance Plan ($8,286)Metropolitan Group Prop. and Cas. Ins. Co. ($2,180)RLI Ins. Co. ($1,583)California Casualty Indemnity Exchange ($3,002)$1,41947.27%


ABOUT THE AUTHOR

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Ishan Mukhopadhyay

Ishan has over 5 years of experience as a freelance journalist and a content writer. He graduated from The English and Foreign Languages University and holds a Masters degree from the University of Hyderabad. Apart from the English language, Ishan's other passion is data driven journalism.

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