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.

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

USAA: Best company for cheap rates

Allstate: Best company for flood insurance

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.

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.

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.

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.

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.