Average homeowners insurance cost in Baton Rouge, LA

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Baton Rouge is $3,673 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,169 more than the national average of $2,504.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Baton Rouge depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Progressive is the cheapest homeowners insurance company in Baton Rouge with an average annual premium of $3,673 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Baton Rouge. Keep reading to learn about the monthly cost of homeowners insurance in Baton Rouge, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Baton Rouge.

Key takeaways

In Baton Rouge, homeowners insurance costs $3,673 annually.
Progressive offers the most affordable homeowners insurance in Baton Rouge with an average annual premium of $1,453.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $957 higher.

Average homeowners insurance cost in Baton Rouge per month

According to our rate analysis, homeowners in Baton Rouge pay an average of $306 per month. It’s $8 more than the state average of $298 and $97 more than the national average for home insurance across the United States.

In Baton Rouge, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

Average homeowners insurance cost for a $200,000 house in Baton Rouge

In Baton Rouge, LA, homeowners pay an average of $2,716 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house in Baton Rouge

As per rate analysis by Insure.com, homeowners residing in Baton Rouge typically pay an average of $3,673 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $957 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Baton Rouge by Company

Among the carriers analyzed, Progressive is the cheapest homeowners insurance company in Baton Rouge. It’s average annual rate for Baton Rouge homeowners is $1,453. Allstate ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $4,626.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Baton Rouge and prepared a list of the cheapest home insurance providers. You can find below the Baton Rouge home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Progressive	$1,453
Allstate	$3,461
State Farm	$4,626
Farmers	$5,299
LA Farm bureau	$6,375
USAA*	$2,555

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Baton Rouge for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.