Cheap Car Insurance for Bad Credit

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Having bad credit shouldn’t mean paying outrageous car insurance premiums — but in Baton Rouge, your credit score can make a big difference in what you pay. Many insurers use credit history as a major pricing factor, which means drivers with lower scores are often charged more — sometimes hundreds of dollars more each year.

The good news? You still have affordable options. If you’re looking for cheap car insurance in Baton Rouge despite bad credit, this guide will show you how to find a fair price and where to go for help.

Why Credit Affects Car Insurance in Louisiana

In Louisiana, it’s legal for car insurance companies to consider your credit history when setting your rate. They believe drivers with poor credit are statistically more likely to file claims — but this system isn’t always fair.

You may be:

Between jobs
Recovering from medical debt
Managing student loans or past financial hardship
Simply starting over

At GoAutoInsurance, we believe your past shouldn’t keep you from affordable coverage.

The Problem with Traditional Insurers

Most big-name insurers:

Automatically raise rates for anyone with a low credit score
Bundle “extra” coverages that drive up costs
Rely on agent commissions and upselling
Offer little flexibility in payment plans

If you’re in Baton Rouge and trying to get car insurance with bad credit, you need a provider who sees beyond a number. That’s where GoAuto comes in.

How to Get Cheap Car Insurance with Bad Credit in Baton Rouge

1. Focus on Local, Low-Cost Providers

National chains often penalize bad credit. Local insurers like GoAutoInsurance specialize in affordable, no-frills policies designed for working people, regardless of credit.

2. Stick to Minimum Liability (if it fits your needs)

Louisiana’s minimum coverage requirements are:

$15,000 for bodily injury (per person)
$30,000 for bodily injury (per accident)
$25,000 for property damage

This “15/30/25” coverage is the cheapest legal option, and it’s often the best route for drivers trying to save.

3. Choose a Monthly Payment Plan

If you can’t afford to pay 6 or 12 months upfront, find an insurer like GoAutoInsurance that offers monthly or flexible pay plans, with no hidden fees.

4. Avoid Unnecessary Add-ons

You can reduce your premium by skipping rental reimbursement, roadside assistance, or full coverage on older vehicles — especially if you’re not required to carry it.

5. Drive Safely and Maintain Coverage

Even with bad credit, you can lower your premium over time by:

Avoiding tickets or accidents
Keeping continuous coverage (no lapses)
Updating your policy as your situation improves

Estimated Monthly Premiums in Baton Rouge (with Poor Credit)

Driver Profile	Coverage Type	Estimated Monthly Premium
25-year-old, liability only	Minimum	$105 – $135
40-year-old, prior lapse	Minimum	$110 – $145
30-year-old, full coverage	Basic full	$165 – $210
60-year-old, low mileage	Minimum	$95 – $115

Note: These are local estimates. Actual rates will vary by ZIP code, vehicle type, and driving record.

Why Baton Rouge Drivers Choose GoAutoInsurance

GoAutoInsurance is built for people who need coverage now — without credit score judgment or agent pressure. We’re proud to serve Baton Rouge drivers who just want honest, affordable protection.

What Makes GoAuto Different:

No agent commissions — we pass savings to you
Low monthly payments, even for drivers with poor credit
Online or in-person quotes available 24/7
Offices throughout Louisiana, including Baton Rouge
Simple coverage with no hidden fees

Whether you’re between jobs, rebuilding your finances, or just tired of overpriced quotes — we’re here to help.

Still Have Questions?

You’re not the only one dealing with bad credit — and you’re not alone in looking for answers. Here are some common concerns Baton Rouge drivers ask us:

Can I get car insurance with no credit check?

Not usually — but GoAuto focuses less on credit than national insurers, and we work with all types of drivers.

Will paying monthly cost more?

Monthly payments may come with small service fees, but they’re still much more manageable than large lump sums.

Can I get insured today?

Yes. At GoAutoInsurance, you can get a quote and be covered the same day.

Final Thoughts: You Deserve Affordable Insurance — No Matter Your Credit

Bad credit can make things harder, but it doesn’t have to keep you off the road. With the right provider, you can get legal, low-cost car insurance and start rebuilding — one payment at a time.

At GoAutoInsurance, we’re here to help Baton Rouge drivers stay protected and stay mobile, regardless of credit score.

Get a Free, No-Obligation Quote Today

Visit a Baton Rouge office to get started.

Click here to get a free quote.

For low cost car insurance

833-700-0000

Many drivers with bad credit are surprised by how much it impacts their insurance rates. Drivers with a bad credit score often pay around twice as much for auto insurance as drivers with good credit. This is problematic for people looking for cheap car insurance for bad credit.

Even with bad credit, drivers have options. Today we’ll explain how credit impacts your insurance premiums and provide tips on finding affordable auto insurance even with bad credit.

To get a free car insurance quote or talk with a car insurance professional, contact GoAuto Insurance at (833) 700-0000.

How Credit Score Impacts Car Insurance Rates

Insurance companies use several factors when calculating auto insurance rates. They gather information on drivers to assess how much of a risk each driver will be to the company. Drivers seen as a higher risk pay more in insurance premiums to compensate for the increased liability they pose to insurance companies.

One factor used to evaluate risk is credit. Most insurance companies review a credit-based insurance score when setting rates. Like a credit score, this number is calculated based on information in a driver’s credit report. Drivers with a higher credit-based insurance score pay less for car insurance than drivers with a lower credit-based insurance score.

After decades of collecting data, insurance companies have found that drivers with lower credit scores file more claims than drivers with higher scores. Further, data shows that claims filed by drivers with bad credit cost more than claims made by drivers with good credit.

Given this data, most insurance companies view drivers with poor credit as a significant liability and an increased risk of filing more claims and more expensive claims.

How to Find Affordable Care Insurance With Bad Credit

Getting car insurance with bad credit can be difficult and expensive. Drivers with poor credit need to be thoughtful when shopping for car insurance to ensure they get adequate coverage at a reasonable rate.

If you have bad credit you should:

Shop around for auto insurance. Each insurance company has a proprietary method for calculating insurance rates. Companies view risk differently, and some companies weigh credit history more heavily than others do. Drivers with poor credit should get quotes from at least three different companies to find the best deal for them.
Select the right coverage. Car insurance policies are not a product where one-size-fits-all. Instead, each driver needs a personalized policy that only provides them with the coverage they need. At a minimum, you need to comply with your state’s and lender’s minimum coverage requirements. If your car is not financed, you’ll have the option of dropping collision and comprehensive coverage. As a general rule, if your vehicle is worth less than $4,000, it usually makes sense to drop at least your collision coverage. When shopping for or renewing auto insurance, review your policy to ensure you have only the coverage you need.
Increase your deductible. One way to reduce the amount of your premium is to increase the amount of your deductible. Your deductible is the amount you pay out of pocket any time you file a claim. For example, if you file a claim for repairs that cost $5,000 and your deductible is $1,000, you’ll pay $1,000 out of pocket and your insurance company will pay $4,000. Raising your deductible can lower your annual premiums. However, don’t raise it above an amount you can afford to pay if you file a claim.

Tips for Improving Your Credit Score

In addition to finding ways to save on car insurance with poor credit, drivers should work to improve their credit scores. While this might not impact the cost of car insurance in the short term, it will help drivers save in the long term.

Some practical ways to improve your credit score are:

Consistently making credit card payments on time
Building a credit history
Not maxing out your credit cards
Only applying for credit cards that you need
Checking your report annually for fraudulent or inaccurate information

Get a Free Auto Insurance Quote

If you’re concerned about how your credit will impact your auto insurance, contact GoAuto Insurance. You can work directly with our team to create a policy that gives you only the coverage you need. We’ve cut out expensive add-ons and commissioned agents so we can provide budget-friendly auto insurance.

Call us today to learn more or get a free quote.