In Baton Rouge, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For residents prioritizing price, ASI provides the lowest premium at $144 per month.
Cheap Home Insurance in Baton Rouge
Updated: June 11, 2025
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Key Takeaways
State Farm is the best overall home insurance company in Baton Rouge, while ASI offers the cheapest coverage at around $1,729 per year.
Home insurance in Baton Rouge costs an average of $621 per month or $7,453 per year for most homeowners.
To get the best and cheapest home insurance in Baton Rouge, assess your coverage needs, research costs and companies, and compare multiple quotes.
Best Cheap Home Insurance Companies in Baton Rouge
| State Farm | 84 | $425 | $5,105 |
| ASI | 83 | $144 | $1,729 |
| The Hanover | 81 | $440 | $5,285 |
| Foremost Insurance | 77 | $497 | $5,959 |
| Allstate | 70 | $675 | $8,102 |
*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 Baton Rouge Home Insurance Cost?
Home insurance costs in Baton Rouge vary widely based on your personal profile, chosen coverage and home details. Rates range from $194 to $2,373 per month. Below, you can compare personalized rates based on your home's age and desired coverage level.
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 | $194 | $2,324 |
How to Get the Best Cheap Home Insurance in Baton Rouge
In Baton Rouge, finding affordable home insurance can be challenging. We've created a step-by-step guide to help you discover the best cheap homeowners insurance options for 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 helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools and from independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Baton Rouge: Bottom Line
The top three best and cheapest home insurance providers in Baton Rouge are State Farm, ASI and The Hanover. While these are our recommendations, conduct your own research and compare multiple quotes to secure the best deal.
Baton Rouge Home Insurance: FAQ
Below, we answer popular questions about home insurance in Baton Rouge.
Who offers the best home insurance in Baton Rouge?
We recommend State Farm as the best home insurance provider in Baton Rouge for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from ASI, The Hanover, Foremost and Allstate.
Who has the cheapest home insurance in Baton Rouge?
ASI offers the most affordable home insurance for the average homeowner in Baton Rouge, costing about $144 per month or $1,729 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Baton Rouge?
Home insurance costs in Baton Rouge range from $2,324 to $28,477 annually, based on the property's age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Baton Rouge
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Baton Rouge. 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.