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The General Automobile Insurance Services Inc. (The General), an insurance agency, writes auto insurance through affiliated companies and offers other lines of business through affiliated and unaffiliated partners. See legal disclosures for more information. The purpose of a car insurance policy is to allow you to drive legally while protecting you and your passengers in the event of an accident. Basically, car insurance is a contract between you and the insurance company. If you are paying your premiums, the insurance company should pay for losses up to the limits on your policy.Baton Rouge car insurance rates by company. Our 2024 data shows the cheap auto insurance for full coverage in Baton Rouge is USAA at $165 per month. This comes out to about $988 per six-month policy. 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