Best Baton Rouge Homeowners Insurance Quotes (2025)
Farmers, USAA, and Allstate offer some of the best homeowners insurance policies in Baton Rouge.
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Written byTaylor Milam-Samuel
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
The average cost of home insurance in Baton Rouge is $5,133 per year for a $300,000 policy with a $1,000 deductible and $5,200 with a $500 deductible, Insurify data shows.
Baton Rouge has a high risk of hurricanes and flooding, contributing to high insurance costs.[1]
Although home insurance rates are almost double the national average of $2,584, standard home insurance policies don’t include flood insurance.[2] You can add this coverage for an extra fee through the National Flood Insurance Program (NFIP).
Here’s what you need to know to compare homeowners insurance quotes in Baton Rouge.
Quick Facts
Farmers, USAA, and Allstate are some of the best home insurance companies in Baton Rouge.
Severe weather in Louisiana contributes to very high insurance costs.
At around $5,000 per year, homeowners insurance premiums in Baton Rouge are among the lowest in the state.
Best home insurance companies in Baton Rouge
Homeowners in Baton Rouge can choose from a variety of high-quality insurers. While there’s no single best home insurance company, the following insurers are stand-out options depending on your needs.
Farmers: Best company for overall experience
overall experience
Farmers
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $380/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $638/mo |
Farmers offers an above-average customer experience in Louisiana. Since Baton Rouge is prone to frequent flooding, an efficient claims process is essential. You can file a claim in less than five minutes, then use the company’s self-service option to manage your claim.
Customers report above-average claims satisfaction, according to J.D. Power’s 2024 Property Claims Satisfaction Study. Plus, if you add leak-detection technology to your home, you can get an extra discount.
Pros
High J.D. Power customer claims satisfaction score
Highly rated mobile app
Cons
More expensive than other insurers
No local agents
USAA: Best company for cheap rates
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $191/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $282/mo |
USAA has some of the lowest home insurance rates in Baton Rouge, Louisiana, and consistently receives high marks from J.D. Power for customer satisfaction and claims satisfaction.
Although USAA offers coverage only to military members, veterans, and immediate family members, it’s a solid option in Baton Rouge. The area is a hub for current and former military members, with the Baton Rouge Vet Center and Naval Air Station Joint Reserve Base New Orleans nearby.
Pros
Very low rates
Standard policy includes replacement cost coverage
Cons
Coverage limited to veterans, military members, and their families
Limited customization options
Allstate: Best company for flood insurance
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $466/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $846/mo |
Allstate is one of 22 companies partnering with the NFIP to offer flood insurance in Louisiana. Since a standard homeowners insurance policy doesn’t cover flooding, Allstate is a good option if you want to buy your homeowners insurance and flood coverage from the same insurer. The company also offers a variety of discounts.
Pros
Provides both homeowners and flood insurance
Many available discounts
Cons
Below-average J.D. Power customer satisfaction score
Not the cheapest insurer
Our editorial team analyzed regional and national home insurance companies that sell policies in Baton Rouge to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance companies in Baton Rouge
USAA has the cheapest home insurance in Baton Rouge, but it’s available only to veterans, service members, and their families.
Other insurers offer affordable coverage, too, and the companies listed in the following table have some of the cheapest rates for homeowners in Baton Rouge. The prices listed are based on $300,000 in coverage.
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $2,385 |
| Bankers Insurance | $3,206 |
| Armed Forces Insurance | $3,311 |
| State Farm | $3,373 |
| Encompass | $3,379 |
| Foremost | $3,751 |
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How much is home insurance in Baton Rouge?
The average cost of home insurance in Baton Rouge is $5,133 for $300,000 in coverage with a $1,000 deductible. It’s an expensive city for insurance, with rates nearly double the national average for homeowners insurance.
Frequent severe weather, like flooding and hurricanes, increases coverage costs. Other factors also affect coverage costs, including the type of policy, additional coverage, and your home’s size, age, and construction materials.[3]
Cost of home insurance by dwelling coverage in Louisiana
The type of coverage you choose — especially the dwelling coverage amount — affects how much you pay for your insurance. The higher your coverage limit, the more you’ll pay.
The table below shows the average cost of homeowners insurance in Louisiana based on different dwelling coverage limits.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $3,371 |
| $200,000 | $5,905 |
| $300,000 | $8,372 |
| $400,000 | $10,964 |
| $500,000 | $13,572 |
Cost of homeowners insurance by deductible amount
Your deductible is the amount you pay out of pocket when you file a claim.[4] If you have a $500 deductible and file a claim for $5,000 in windstorm damage, you’d pay the first $500, and your insurance company would cover the remaining $4,500.
Higher deductibles mean lower premiums since you pay more out of pocket when you file a claim. The table below shows the average annual premium in Baton Rouge for $300,000 in coverage with a $500 deductible and a $1,000 deductible.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $5,133 |
| $1,000 | $5,200 |
Average cost of home insurance in other cities in Louisiana
Your location — including your ZIP code — affects your homeowners insurance costs. Even though Baton Rouge rates are still relatively high, homeowners pay some of the lowest costs in the state. This may be because the city is farther from the coast, so storm flooding is less severe.
The following table shows average annual premiums for $300,000 in coverage in several Louisiana cities.
City | Average Annual Premium |
|---|---|
| Bossier City | $4,197 |
| Baton Rouge | $5,133 |
| Denham Springs | $5,416 |
| Prairieville | $5,794 |
| Gonzales | $5,965 |
| Lafayette | $6,596 |
| Marrero | $10,691 |
| Thibodaux | $11,623 |
| New Orleans | $13,836 |
| Kenner | $14,468 |
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What to know about owning a home in Baton Rouge
Real estate in Baton Rouge is relatively affordable, but insurance costs are nearly double the national average. Severe weather, including hurricanes and flooding, is a main reason for the high price tag.
For homeowners in Louisiana, flood insurance is essential. While standard home insurance covers the home’s structure, your personal belongings, and personal liability, it doesn’t include flood protection. You can buy flood insurance through a private insurer or through the NFIP.
To find coverage in Baton Rouge, use the NFIP’s online search tool or call 1 (877) 336-2627.[5]
The federal government manages the NFIP to ensure all homeowners have access to flood insurance. Keep in mind that every NFIP policy has a 30-day waiting period before it’s active, so it’s best to get coverage before you need it.
Baton Rouge home insurance FAQs
When you’re searching for home insurance in Baton Rouge, the answers to these common questions can help you find the best coverage.
A standard home insurance policy in Baton Rouge costs an average of $5,133 per year for $300,000 in coverage. But since standard home insurance doesn’t include flood coverage, you’ll likely need an additional policy.
USAA offers the cheapest homeowners insurance in Baton Rouge, with an average annual cost of $2,385. State Farm and Encompass also offer affordable coverage.
While USAA has the cheapest homeowners insurance in Louisiana, at $2,385 annually, your exact cost depends on your coverage type and amount. Comparing quotes and asking about discounts can help save money on coverage.
Louisiana home insurance is expensive because of severe weather. The state is prone to flooding due to its geographic location and frequent hurricanes. Hurricane Katrina, which hit New Orleans and the surrounding area in 2005, is one of the costliest natural disasters in U.S. history.[6]
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- brla.gov. "Historical Flood Events in EBR Parish."
- Louisiana Department of Insurance. "Homeowners Insurance."
- Insurance information Institute. "How much homeowners insurance do I need?."
- Insurance information institute. "Understanding your insurance deductibles."
- FEMA. "Flood Insurance."
- NOAA's National Centers for Environmental Information. "Costliest U.S. Tropical Cyclones."
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Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Taylor has been a contributor at Insurify since February 2023.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.