Best and Cheapest Home Insurance in Baton Rouge, LA (2024)


In Baton Rouge, LA, ASI is both the overall best and cheapest choice for home insurance. However, if customer service is your priority, State Farm is best.

These companies cater to different needs. Choose the best cheap home insurance based on factors like coverage options, customer service and budget.

MoneyGeek Logo IconBest HomeInsuranceBaton Rouge, LA
2024

Why Trust MoneyGeek? We used data from Louisiana's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Baton Rouge based on data and industry standards.

recency icon

Home insurance premiums in Baton Rouge represent the most favorable estimates as of September 2024.

1,382,400Quotes Analyzed
 
8Companies Compared

Overview: Best Home Insurance Companies in Baton Rouge, LA

MoneyGeek found that ASI is the best option for home insurance in Baton Rouge, LA, with a MoneyGeek score of 83 out of 100 for $100K dwelling coverage.

The scores for home insurance companies in Baton Rouge range from 35 to 83. These numbers reflect MoneyGeek's scoring method, where companies might get different scores based on things like your credit history or the age of your home.

Data filtered by:Results filtered by:
Category:
Category:Best Overall
Coverages:
Coverages:1 - $100K Dwelling
ASI83$523
The Hanover81$1,421
Foremost Insurance76$1,584
State Farm75$2,028
Allstate68$2,191
Shelter66$2,052
Louisiana Farm Bureau35$3,412

Overall Best Home Insurance in Baton Rouge, LA

MoneyGeek found that ASI is the best home insurance option for home insurance in Baton Rouge, LA, for $100K dwelling coverage. The two overall best companies in the city for the same dwelling coverage are:

  • ASI: MoneyGeek score of 83 out of 100 ($523 per year)
  • Hanover: MoneyGeek score of 81 out of 100 ($1,421 per year)

ASI stands out because it offers excellent affordability and a strong customer satisfaction score.

In Baton Rouge, various companies offer different cost and service levels. While cost is important, it is crucial to consider factors like customer service and claims processing, especially when making claims.

Company logo for ASI
Best OverallASI
MoneyGeek Score:
83/ of 100

Overview

ASI scores high in affordability and satisfaction, making it a top choice. It offers comprehensive home insurance coverage with $100K dwelling, $50K personal property and $100K liability. It also provides valuable coverages like scheduled personal property, which increases limits on jewelry, protecting your home and belongings.

Discounts like non-smoker and homebuyer can help you save. The non-smoker discount offers savings on premiums for those who don't smoke.

Best Home Insurance for Customer Service in Baton Rouge, LA

MoneyGeek found that Hanover offers the best customer service in home insurance in Baton Rouge, LA, for $100K dwelling coverage. Here are the top two providers for this coverage:

  • Hanover: MoneyGeek score of 87 out of 100 ($1,421 per year)
  • State Farm: MoneyGeek score of 83 out of 100 ($2,028 per year)

Hanover stands out for offering comprehensive protection for your home. Customers choose Hanover because it provides great value for the money spent. Excellent service in home insurance means responding quickly to claims and inquiries.

Company logo for Hanover
Best for Service QualityHanover
MoneyGeek Score:
87/ of 100

Overview

Hanover scores high in customer satisfaction and coverage, making it a top choice for home insurance. Hanover offers comprehensive coverage with equipment breakdown and guaranteed replacement cost. The former covers unexpected repairs, while the latter ensures full home rebuilding. Discounts like newly constructed home and affinity can help you save.

Best Cheap Home Insurance in Baton Rouge, LA

MoneyGeek found that ASI is the best cheap home insurance provider in Baton Rouge, LA, for $100K dwelling coverage. The top two best cheapest homeowner insurance companies for the same dwelling coverage are:

  • ASI: MoneyGeek score of 91 out of 100 ($523 per year)
  • Hanover: MoneyGeek score of 79 out of 100 ($1,421 per year)

ASI balances affordability and satisfaction, significantly boosting its MoneyGeek score. The importance of affordable home insurance is clear, though opting for lower coverage might not offer sufficient protection during accidents. In cases where saving on premiums is key, consider the cheapest companies or learn the average cost of homeowners insurance in Louisiana.

Company logo for ASI
Best CheapASI
MoneyGeek Score:
91/ of 100

Overview

ASI is the best cheap company because of its affordability and satisfaction scores. It offers scheduled personal property as an add-on, which helps protect valuable items, but lacks some rare coverages. You can save with discounts like the non-smoker discount.

Estimate Your Baton Rouge Home Insurance Costs Online

MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.

High
Average
Low

Rates updated:

Dec 03, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Many factors affect homeowners insurance in Baton Rouge, including location. Comparing rates is the best way to save, but it can take up to 15 minutes per company. Comparing three or more may take over an hour. MoneyGeek's home insurance calculator helps you save quickly. Enter your age, dwelling coverage, credit score, deductible, liability coverage and other factors for a rate estimate.

Cheapest Home Insurance in Baton Rouge, LA

MoneyGeek found that ASI is the best option in Baton Rouge, LA, for $100K, $250K and $500K dwelling coverages. The key factor affecting what you pay for home insurance is the dwelling coverage you choose. Here's a list of the cheapest overall providers:

  • For $100K Dwelling Coverage: ASI: $523 per year
  • For $250K Dwelling Coverage: ASI: $952 per year
  • For $500K Dwelling Coverage: ASI: $1,773 per year

ASI is the most affordable in Baton Rouge due to its low premiums. Opting for the cheapest homeowners insurance in Louisiana could ease your financial management.

Data filtered by:Results filtered by:
Coverages:
Coverages:$100K Dwelling
ASI$523
The Hanover$1,421
Foremost Insurance$1,584
State Farm$2,028
Shelter$2,052
Allstate$2,191
Louisiana Farm Bureau$3,412

Cheapest Home Insurance for High-Value Homes in Baton Rouge, LA

ASI is the best option for high-value home insurance in Baton Rouge, LA. High dwelling coverage is necessary for homes with high replacement costs, and home insurance costs can increase based on various factors like home location and construction type.

  • Cheapest for $750K Dwelling Coverage: ASI: $2,518 per year
  • Cheapest for $1M Dwelling Coverage: ASI: $3,253 per year

ASI offers the lowest premiums for high-value homes in Baton Rouge. According to MoneyGeek, ASI's affordability makes it a leading choice, even though it may not have the highest overall rating.

Data filtered by:Results filtered by:
Coverages:
Coverages:1 - 750K dwelling
ASI$2,518
State Farm$8,396
Allstate$9,034
The Hanover$10,803
Foremost Insurance$13,315
Shelter$13,961
Louisiana Farm Bureau$22,100

Cheapest Home Insurance for New Homes in Baton Rouge, LA

ASI is the most affordable home insurance provider for new homes in Baton Rouge, LA.

  • Cheapest for $100K Dwelling Coverage: ASI: $274 per year
  • Cheapest for $250K Dwelling Coverage: ASI: $455 per year
  • Cheapest for $500K Dwelling Coverage: ASI: $790 per year

ASI stands out in Baton Rouge due to its low cost. While it may not have the best overall ranking, its affordability for new home coverage is unbeatable in the area. Remember, it is essential to be adequately covered with your home insurance.

Data filtered by:Results filtered by:
Coverages:
Coverages:1 - $100K Dwelling
ASI$274
Foremost Insurance$979
The Hanover$1,050
State Farm$1,217
Shelter$1,246
Allstate$1,458
Louisiana Farm Bureau$2,470

How to Find the Best Home Insurance for You in Baton Rouge, LA

The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. The best cheap homeowners insurance in Baton Rouge depends on your needs. Consider factors like coverage options, customer reviews and deductibles. Follow these steps to get the best cheap home insurance:

  1. 1
    Evaluate your insurance needs

    To determine how much home insurance coverage you need, consider the specifics of your home in Baton Rouge. Factor in rebuilding costs, personal property value and liability needs.

  2. 2
    Compare different providers

    Research insurance companies serving Baton Rouge. Look for those with strong financial stability, good customer reviews and a track record of quality service.

  3. 3
    Compare coverage and costs

    Once you know what coverages you need, compare home insurance quotes. For a dwelling coverage of $100K in Baton Rouge, premiums can vary from as low as $523 to as high as $3,412 annually.

  4. 4
    Ask about discounts

    Inquire with each provider about possible discounts, such as bundling policies, installing safety features or maintaining a claims-free record.

  5. 5
    Increase your deductible

    Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford to pay if needed.

  6. 6
    Improve home security

    Enhancing your home's security with systems and robust locks can lower its risk profile and decrease insurance costs.

  7. 7
    Maintain good credit

    Keep a good credit score, as it can affect your insurance rates in Baton Rouge. Pay bills on time and reduce outstanding debt.

  8. 8
    Bundle policies

    Consider bundling your homeowners insurance with other policies, such as auto insurance. This can lead to significant discounts and savings.

FAQ: Best Cheap Home Insurance in Baton Rouge, LA

The best cheap home insurance provider in Baton Rouge ultimately depends on what coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Baton Rouge.

How much is home insurance in Baton Rouge, LA, on average?

What is the cheapest home insurance company in Baton Rouge, LA?

What is the best home insurance company in Baton Rouge, LA?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.