Baton Rouge Insurance Rates:

Baton Rouge, LA home insurance is roughly $1,097 to $1,487, about $91-$123/month. Our complete guide shows customers can save as much as $516 by getting many quotes

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Baton Rouge Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $2570/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

2 Beds, 2 Bath 1510 sqft Seasonal Residence Constructed In 2012 with Hardwood Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Single Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1690/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Baths 2060 sqft Vacation Property Constructed In 1970 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1220/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Baths 3040 sqft Rental Property Constructed In 1987 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1420/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

2 Beds, 2 Bath 1520 sqft Rental Property Constructed In 1979 with Linoleum, Metal Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

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Baton Rouge Rates & Quotes Analysis:

Baton Rouge Area Estimated House Insurance
Krista Ln, Saint Croix Ave, Goudchaux St, S Eugene St, Voss Dr, Antrim Dr, Woodlake Dr, Judi Ave, Kirkley Pl W, Legend Dr$1,313
Sequoia Dr, Leycester Dr, S Gibbens Dr, N Eugene St, Lake Leta Cir, E Glenhaven Dr, Fountain Ln, Watford Ave, W State St, Toria Ave$1,344
Lindale Ave, Little John Dr, Cashel Ave, Gawain Ave, Rafe Meyer Rd, 78th Ave, Arlington Ct, Blakeridge Ave, N 31st St, Mc Innis Dr$1,309
E Crown Ave, Chestnut St, Three Oaks Ave, Timberline Dr, Lonita St, Berkshire Ave, Arbutus Ave, Pryce Dr, Teddy Dr, Kenwood Ave$1,214
Eiland St, Farrington Dr, Woodcliff Dr, Greenshire Ave, W Brookstown Dr, Village Park Dr, Wabash Ave, Terrace Ave, Palisades Dr, Common St$1,336
Arcadia Dr, Redwood Dr, Richards Dr, Jockey Club Ave, Keel Ave, Tilden St, Britain Ave, Bawell St, Alliquippa St, Oneal Ln$1,270
Lemonwood Ct, Parkvilla Ave, Azalea Pk Ave, Lockhaven Ave, Guy Dr, Woodchase Blvd, Dawn Ave, Sunset Blvd, Tanner St, Linda Ave$1,232
Cottage Hill Dr, Hickory Wood Ave, Emmett Bourgeois Rd, Rondo Ave, Tupello St, N College Hill Dr, S Marsden Pl, Corlett Dr, Darryl Dr, Nicholson Lake Dr$1,289
Chatsworth St, Greenchase Dr, N Bluebonnet Rd, Berrybrook Dr, Granite Dr, Elgin St, Ave C, Neosho Ave, Sharp Rd, Olga Lee Dr$1,292
Tealwood Dr, N 42nd St, Marigold Ave, High Worth Dr, Harwood Ave, E Washington St, Gilbert Dr, N Waverland Dr, N Snowden Ave, N Allyson Dr$1,336

Insurance rates are influenced by a number of factors including:

  • Year Built: 13,654 Homes (13% of total homes ) built between 1950 to 1959 in Baton Rouge are paying home insurance between $2,427-$2,447. Places close to Baton Rouge, LA such as Westminster, Inniswold, Oak Hills Place are more expensive by $82, $115, $159 respectively while Merrydale and Monticello are cheaper by $74 and $13 respectively for similar homes.
  • Bedrooms: 29,729 2 bedrooms homes (30% of total homes ) in Baton Rouge are paying about $904. Areas near to Baton Rouge such as Westminster, Inniswold, Oak Hills Place are costlier by $30, $43, $59 respectively whereas Merrydale and Port Allen are more economical by $15, $28 respectively for similar homes.
  • Auto Insurance Bundling: 8,156 Households (18% of all households) in Baton Rouge have 3 or more vehicles available and when it is bundled with home insurance you can save $322 in contrast with Westminster ($333), Merrydale ($312), Inniswold ($338).
  • Senior Discounts: 23,363 seniors (more than 55 years) occupied housing units (51% of total) in Baton Rouge get discounts between $193 to $196. The comparative concessions in proximate regions such as Westminster, Merrydale and Inniswold are $200, $187 and $202 respectively.
  • New Homes discounts: New homes such as the 31,121 homes built between 2000 to 2009 in Baton Rouge can save $258 and similar new home insurance discounts in nearby towns and cities like Westminster, Merrydale and Inniswold are $266, $250 and $270 respectively.

Baton Rouge Homeowners insurance Facts

  • Baton Rouge, LA has 45,060 owner occupied houses which is 51.5% of all units whereas Westminster, Merrydale and Inniswold have 72.75%, 71.75% and 59.64% respectively.
  • Baton Rouge, LA homeowners yearly insurance price at $1,291 is 0.84% of the typical house value of $153,400 which is in contrast with 0.64% in Westminster, 1.24% at Merrydale & 0.59% in Inniswold.
  • Homeowners in Baton Rouge, LA pay 10.33% of their income ($10,000 to $14,999) in insurance whereas homeowners in Merrydale, Inniswold and Port Allen pay 10.01%, 10.82% and 10.01% respectively.
  • Baton Rouge, LA’s insurance is 9.0% of monthly housing costs of $1,193/month, for owners with a mortgage compared to 9.09% in Westminster, 10.86% at Merrydale & 6.86% in Inniswold. But, for households without a mortgage, insurance is 29.7% of costs ($362 in Baton Rouge, LA) in contrast with 26.47% in Westminster, 33.2% at Merrydale & 28.45% in Inniswold.

Baton Rouge, LA Home Values & Insurance rates

For example, insurance for 5,381 Homes (13.0% of total homes ) valued between $150,000 to $174,999 in Baton Rouge, LA is about $1,355. Rates in nearby areas in such as Westminster, Inniswold, Oak Hills Place are cheaper by $315, $409, $503 respectively while Merrydale and Port Allen are costlier by $646 and $646 respectively for similar homes.

Baton Rouge, LA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,711 8.0% $206
$50,000 to $59,999 1,413 3.0% $438
$60,000 to $69,999 1,602 3.0% $542
$70,000 to $79,999 2,078 5.0% $619
$80,000 to $89,999 2,377 5.0% $710
$90,000 to $99,999 2,014 4.0% $787
$100,000 to $124,999 4,616 11.0% $916
$125,000 to $149,999 3,998 9.0% $1148
$150,000 to $174,999 5,381 13.0% $1355
$175,000 to $199,999 3,659 8.0% $1575
$200,000 to $249,999 4,799 11.0% $1897
$250,000 to $299,999 2,632 6.0% $2310
$300,000 to $399,999 3,069 7.0% $2943

Renters Insurance in Baton Rouge

  • Average Renters Insurance in Baton Rouge :  $196($16/month)

  • Median Gross Rent in Baton Rouge :  $773

  • Baton Rouge Renters Insurance to Median Rent Ratio:  2.07%

  • Average household size of renter-occupied unit :  2.42

Baton Rouge Renters Insurance as a Percentage of Rent

Baton Rouge Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 804 2.0% $349
$200 to $299 1,033 2.0% $799
$300 to $499 2,860 7.0% $1249
$500 to $749 13,877 34.0% $1924
$750 to $999 11,613 28.0% $2674
$1,000 to $1,499 7,065 17.0% $3799
$1,500 or more 2,838 7.0% $5449

Rent Affordability in Baton Rouge:

Approximately 53.0% (22,864) of households are spending more than 35% of their income on gross rent in Baton Rouge

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 4,395 10.0%
15.0 to 19.9 percent 4,227 9.0%
20.0 to 24.9 percent 3,880 9.0%
25.0 to 29.9 percent 4,038 9.0%
30.0 to 34.9 percent 2,973 7.0%
35.0 percent or more 22,864 53.0%

Protective device discount in Baton Rouge Up to :  $29

Claims-free discount in Baton Rouge Up to :  $39

Baton Rouge, LA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
70812 $99,800 $1,260
70805 $74,700 $1,240
70802 $68,200 $1,230
70808 $266,600 $1,400
70820 $244,600 $1,400
70809 $219,300 $1,370
70810 $218,000 $1,370
70817 $206,300 $1,340
70806 $186,400 $1,320
70818 $174,300 $1,330
70816 $168,200 $1,300
70815 $161,400 $1,310
70814 $141,200 $1,290
70819 $128,200 $1,290