In Metairie, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For those who prioritize price, ASI presents the lowest premium at $165 per month.
Cheap Home Insurance in Metairie
Updated: June 12, 2025
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Key Takeaways
State Farm is the best overall home insurance provider in Metairie, while ASI is the cheapest with average rates of $1,979 per year.
Home insurance in Metairie costs an average of $1,446 per month or $17,353 per year.
To find the best and cheapest home insurance in Metairie, assess your coverage needs, research providers and prices, and compare multiple quotes.
Best Cheap Home Insurance Companies in Metairie
| State Farm | 91 | $423 | $5,075 |
| Foremost Insurance | 86 | $440 | $5,282 |
| ASI | 83 | $165 | $1,979 |
| The Hanover | 80 | $1,081 | $12,973 |
| Allstate | 75 | $1,243 | $14,914 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Metairie Home Insurance Cost?
Home insurance rates in Metairie depend on your personal profile, coverage level and home details. Costs range from $437 to $5,130 monthly. Below, you can explore rates tailored to your home's age and the coverage level you prefer.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $437 | $5,250 |
How to Get the Best Cheap Home Insurance in Metairie
Finding affordable home insurance in Metairie can be tough. We've created a step-by-step guide to help you find the best cheap homeowners insurance that meet your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Louisiana for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis will help you identify the cheaper option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools, independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Metairie: Bottom Line
The best and most affordable home insurance companies in Metairie are State Farm, Foremost and ASI. However, to ensure you're getting the best rate, compare multiple quotes yourself.
Metairie Home Insurance: FAQ
Below, we answer common home insurance questions for residents in Metairie.
Who offers the best home insurance in Metairie?
We recommend State Farm as the best home insurance provider in Metairie for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from Foremost, ASI, The Hanover and Allstate.
Who has the cheapest home insurance in Metairie?
ASI provides the most affordable home insurance for the average homeowner, costing about $165 per month or $1,979 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Metairie?
Home insurance costs in Metairie range from $5,250 to $61,561 yearly, depending on property age and coverage level.
How We Decided the Best Cheap Home Insurance Companies in Metairie
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Metairie. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.