Updated: November 26, 2024
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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.
Best HomeInsuranceBaton Rouge, LATable of Contents
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.
Home insurance premiums in Baton Rouge represent the most favorable estimates as of September 2024.
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.
| ASI | 83 | $523 |
| The Hanover | 81 | $1,421 |
| Foremost Insurance | 76 | $1,584 |
| State Farm | 75 | $2,028 |
| Allstate | 68 | $2,191 |
| Shelter | 66 | $2,052 |
| Louisiana Farm Bureau | 35 | $3,412 |
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 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.
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.
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 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.
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.
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 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.
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.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 21, 2024
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.
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:
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.
| 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 |
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.
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.
| 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 |
ASI is the most affordable home insurance provider for new homes in Baton Rouge, LA.
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.
| ASI | $274 |
| Foremost Insurance | $979 |
| The Hanover | $1,050 |
| State Farm | $1,217 |
| Shelter | $1,246 |
| Allstate | $1,458 |
| Louisiana Farm Bureau | $2,470 |
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:
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.
Research insurance companies serving Baton Rouge. Look for those with strong financial stability, good customer reviews and a track record of quality service.
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.
Inquire with each provider about possible discounts, such as bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford to pay if needed.
Enhancing your home's security with systems and robust locks can lower its risk profile and decrease insurance costs.
Keep a good credit score, as it can affect your insurance rates in Baton Rouge. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies, such as auto insurance. This can lead to significant discounts and savings.
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.
The average cost of home insurance in Baton Rouge is $1,592.
The cheapest home insurance company in Baton Rouge is from ASI, with an annual premium of $523.
The best home insurance in Louisiana for Baton Rouge residents is from ASI, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
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.
