Car Insurance in Central, LA

Drive with confidence with your car insurance in Central, LA.
Compare, shop and customize quotes from top-rated insurance carriers.

Finding Car Insurance in a Dynamic Area

Central, LA, is a place of diversity and activity. Located on the Eastern side of Baton Rouge, Central has a variety of activities for everyone. Whether you travel to the Alexandria Zoo, a local museum or one of the many parks, you'll want to ensure you have the right car insurance in Central, LA, so that you are protected in an accident or other adverse event. 

Central, LA Weather

Central, LA, experiences hot and muggy summers and mild winters. Unfortunately, Louisiana experiences its fair share of tropical storms and hurricanes. These storms can be deadly and cause extreme devastation to property. Between the heavy winds, rains and tornadoes, having car insurance in Central, LA, is essential to protect your vehicle in case of adverse weather.

Crime in Central, LA

Thankfully, Central, LA experiences a low crime rate compared with the state average. The chances of being a victim of a violent crime are one in 936, while the chances of a property crime are one in 111. It's important to remember that no city is without crime, and no matter how low the chances are, having car insurance is essential to ensure that you are protected in the event of a robbery, burglary, car theft or other crime.

Public Transit in Central

Those who do not have a vehicle, want to save on insurance or simply want an alternative traveling option can utilize the public transit in Central. The Capital Area Transit System serves areas in and around Baton Rouge.

Car Insurance Rates

The rate for car insurance in Central, LA is about $2,529, which is close to the state rate but slightly higher. Car insurance in Louisiana is higher than the national average. Several factors play into this:

  • High Highway Density: Car crashes happen more commonly on highways, so Louisiana experiences a higher number of crashes.
  • Dense Population: A dense population leads to a higher risk of car accidents, vandalism and theft.
  • Crime Rate: Despite a crime rate lower than the state average, the crime rate tends to be higher in urban areas, which raises the risk.

Lowering Your Car Insurance

Despite the high car insurance rates, there are some things you can do to lower your rate a bit.

Shop Around

Comparing rates with VIU by HUB can help ensure you get the most affordable rate. 

Increase Your Deductible

The average car insurance deductible is $500. However, you can raise your deductible to $1,000 or even higher if you want an easy way to lower your rate. Keep in mind, though, that this will have an impact on how much is covered if you experience an incident.

Check for Discounts

There are a variety of discounts that you may be qualified for. This includes things like buying your policy online, bundling your home and auto, taking a safe driving or defensive driving course and having safety features in your vehicle.

Standard Insurance Coverage

A standard car insurance policy will cover several things:

  • Liability
  • Comprehensive
  • Collision
  • Medical Payments
  • Underinsured/uninsured Motorist Bodily Injury

Be sure to check your policy to ensure you know what you are covered for.

Finding car insurance in Central, LA is the best way to protect your vehicle in case of an accident, theft or other adverse event. Using VIU by HUB can help you find the policy that best meets your needs. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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