Residents of Baton Rouge and the greater state of Louisiana are no strangers to natural disasters. Having adequate homeowners insurance protection may help provide financial protection to repair or rebuild your home in the event of a covered peril. Baton Rouge homeowners pay, on average, $1,627 per year for $250K in dwelling coverage. This is less than the annual average for Louisiana, which is $2,009 for $250K in dwelling coverage.

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Quick Facts
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$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
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1 out of every 20
insured homes makes a claim each year
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After comparing dozens of carriers, Bankrate found that some of the cheapest home insurance carriers in Baton Rouge include ASI Progressive, State Farm and USAA. These carriers offer average homeowners insurance premiums below the average annual rate for the Capital City.

Best cheap home insurance companies in Baton Rouge

According to data provided by Quadrant Information Services, the best cheap home insurance companies in Baton Rouge include ASI Progressive, State Farm and USAA. In addition to price, we evaluated providers based on coverage options, discounts, availability and customer satisfaction scores from the J.D. Power Home Insurance Study.

To help you narrow down your shopping choices, you might consider the Bankrate Score, which is based on a 5-point scale and takes into consideration all these factors. Below are the average rates for the best cheap home insurance companies in Baton Rouge.

Home insurance company Bankrate Score Average annual premium for $250K dwelling coverage J.D. Power score
ASI Progressive 3.7 $1,019 801/1,000
State Farm 4.7 $1,318 829/1,000
USAA 4.8 $1,460 884/1,000
The Hanover 2.8 $1,576 N/A
Allstate 3.9 $2,175 815/1,000

ASI Progressive

The cheapest carrier on our list for average home insurance premiums in Baton Rouge is ASI Progressive. This carrier may be a good choice for homeowners searching for basic coverage, as its only optional coverage is water backup coverage. ASI Progressive features several potential discounts that could help you save including advanced quote, new home purchase, paperless policy, paid in full and a single deductible if you bundle home and auto together. Potential customers should note that the carrier earned a below-average score in the J.D. Power customer satisfaction study.

Learn more: ASI Progressive Insurance review

State Farm

State Farm may be a great choice for homeowners who want the flexibility to customize coverage. In addition to the standard coverage of an HO-3 policy, homeowners may be able to choose additional coverage for replacement cost coverage and inflation adjustment. While State Farm has an above average score with J.D. Power and a high Bankrate Score, the Good Neighbor insurer has few discounts to offer compared to other Baton Rouge home insurance companies.

Learn more: State Farm Insurance review

USAA

USAA is an exclusive provider for eligible members of the military and their immediate family members. USAA includes replacement cost coverage in their standard homeowners policy. Plus homeowners may choose additional coverages such as home sharing, earthquake insurance and flood insurance to supplement your standard home insurance policy. The company holds the highest score from J.D. Power for customer satisfaction, though eligibility requirements make it technically rank-ineligible. Potential customers should note that while USAA does offer some discounts, like bundling and protected home, it may not offer as many discounts as other providers on this list.

Learn more: USAA Insurance review

The Hanover

The Hanover is not rated by J.D. Power, likely due to its size compared to other national carriers. However, The Hartford may still be a great choice for homeowners looking for comprehensive coverage at an affordable rate. The company offers high-value coverage, plus endorsements for service line and water backup coverage. To help you save on premiums, The Hanover offers a special bundle discount, as well as potential discounts for a new home and installing safety devices. While it may be right for some, The Hanover earns the lowest Bankrate Score of just 2.8, so it could be lacking in features you find important.

Learn more: The Hanover Insurance review

Allstate

With its welcome and new homebuyer discounts, Allstate may be a great choice for first-time homebuyers. Allstate offers a variety of potential add-on options including coverage for water backup, sports equipment, business property and electronic data recovery. The company also offers home-sharing insurance through its HostAdvantage program. Although the company has the highest average premium on our list, policyholders may be able to earn savings through multi-policy, claims-free, and early signing discounts.

Learn more: Allstate Insurance Review

Home insurance coverage options in Baton Rouge

Louisiana homeowners are at particular risk from a host of natural disasters such as hurricanes, tornadoes and flooding. The state is one of three, including California and Texas, that has had $50 billion or more in damages from natural disasters since 2018, according to the National Oceanic and Atmospheric Administration (NOAA). To be financially prepared for these events, you might consider the following coverage endorsements to your homeowners policy:

  • Water backup coverage: This coverage endorsement may pay for damage caused by sewer backups and sump pump failures that could damage your home.
  • Flood insurance: Flood insurance is not included in a standard homeowners insurance policy. Some private companies offer this coverage, while others may require you to purchase a separate policy from the National Flood Insurance Program (NFIP).
  • Identity theft coverage: Not all insurance endorsements relate to natural disasters. Identity theft coverage may help pay to restore your identity after a covered fraud.

Home insurance discounts in Baton Rouge

Choosing a company with a low average premium may help you save on your home insurance, but many insurance professionals recommend you also explore potential discounts to further lower your rate. You may want to keep an eye out for these common discounts as you shop for homeowners insurance:

  • Safety discounts: Having safety features in your home, such as deadbolts, fire alarms, carbon monoxide detectors and interior sprinkler systems may net you some savings as they may reduce your likelihood of filing a claim.
  • Payment discounts: Many insurance companies offer potential payment discounts when you pay in full, renew early or opt for paperless billing.
  • Bundle discounts: You may be able to save extra money when you bundle your home and auto insurance with the same provider.

Baton Rouge homeowners may choose to pay a higher premium for flood insurance or other optional coverages. To help offset extra insurance costs, consider asking your insurance provider about what kind of homeowners insurance discounts you might be able to take advantage of. From new roof discounts to new homebuyer savings, you might be able to reduce your premium significantly when you leverage the right discounts.

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