Top Insurance Companies in Baton Rouge, Louisiana for Coverage

Finding the right insurance provider is key to getting good coverage at an affordable rate. If you live in the Baton Rouge area you have many options when it comes to local insurance companies.

In this guide we’ll highlight the top insurers providing auto, home business, and other policies to Baton Rouge residents and evaluate what makes them stand out.

Leading Car Insurance Companies in Baton Rouge

When it comes to auto insurance, these providers offer some of the best rates and service in the Baton Rouge market:

State Farm

With 90 local agents in the Baton Rouge area, State Farm should be on your list to compare when looking for car insurance. They have strong financial strength, top-notch customer service, and many discounts like:

• Good student
• Safe driver
• Defensive driving
• Good payer
• Anti-theft devices

State Farm also has a usage-based program called Drive Safe & Save that uses an app or device to track driving habits and offer a policy discount for safe driving.

Progressive

Known nationally for affordable pricing, Progressive is another competitive choice for Baton Rouge drivers. They have an A+ rating from AM Best and provide all the standard coverages including collision, comprehensive, and uninsured motorist protection.

Progressive offers the Snapshot program for policy discounts based on actual driving as well as many other common auto insurance discounts. Their responsive claims process and helpful mobile app also make Progressive a leading choice.

Allstate

With their iconic slogan “You’re in good hands,” Allstate is a household name in insurance. They have a strong regional presence in Baton Rouge with local agents and policies tailored specifically to Louisiana.

Some highlights of getting Allstate for car insurance:

• Drivewise app tracks driving for possible discounts
• Accident forgiveness protection
• New car replacement coverage
• Ride for hire coverage for Uber/Lyft drivers

Farm Bureau

As a prominent insurer of rural communities, Farm Bureau Insurance has a loyal customer base in Louisiana. They provide competitive rates for drivers in the Baton Rouge area.

Some perks of Farm Bureau auto insurance include multi-policy discounts, new vehicle replacement, and low down payment options. Their Superior Member Discount also rewards long-term customers.

Geico

Known for those amusing gecko ads, Geico is the second largest auto insurer in Louisiana with reasonable rates. They have an A++ financial strength rating from AM Best.

Drivers can qualify for discounts based on:

• Good student status
• Completion of defensive driving course
• Vehicle safety features
• Being accident-free
• Low mileage

The Geico Mobile app also makes managing your policy convenient. Overall, they are a trusted national brand with local agents available in Baton Rouge.

Top Home Insurance Providers in Baton Rouge

For home coverage against damage, here are leading insurers serving Baton Rouge homeowners:

Allstate

In addition to auto insurance, Allstate offers comprehensive homeowners insurance in Baton Rouge. They have options to cover everything from fire and storms to floods and water backups.

Allstate home insurance highlights:

• Replacement cost coverage for rebuilding home
• Options for flood, windstorm, and hurricane deductibles
• Pricing discounts based on security system, age of home, and more

State Farm

Known for being a “good neighbor” for nearly a century, State Farm provides quality homeowners insurance to Baton Rouge residents.

Standout features include:

• Rebuilding cost guarantee if underinsured
• New roof replacement coverage
• Landscape coverage up to 5% of dwelling amount
• Deductible waived if claim exceeds $50,000

Louisiana Farm Bureau

Specializing in rural communities, Farm Bureau Insurance offers competitively priced home coverage across Louisiana, including Baton Rouge.

Farm Bureau home insurance perks:

• Multi-policy discounts
• Replacement cost and extended replacement cost coverage
• Identity theft expense coverage
• Water backup and sump overflow available

Liberty Mutual

Backed by over 100 years of experience, Liberty Mutual is a leading national insurer with local presence in Baton Rouge.

Their homeowners insurance provides:

• Guaranteed replacement cost
• Options for higher liability limits
• Coverage for jewelry, firearms, watercraft
• Environmentally friendly upgrades

Shelter Insurance

Founded in 1946, Shelter Insurance provides auto and home insurance in Baton Rouge and many areas of the South.

With homeowners coverage they offer:

• Replacement cost with 120% guarantee
• Identity theft expense reimbursement
• options for scheduled personal property
• Green rebuild coverage

Top Renters Insurance Companies in Baton Rouge

For renters in Baton Rouge, these insurers provide tailored coverage for your belongings and liability at affordable rates:

State Farm

The #1 provider of renters insurance nationwide, State Farm offers robust policies for Baton Rouge apartment dwellers and tenants.

Benefits include:

• Replacement cost coverage on property
• Worldwide coverage for belongings
• Liability protection up to $100,000
• Electronic device protection

Allstate

Through local agencies, Allstate sells renters insurance to Baton Rouge residents renting homes, apartments, condos and townhomes.

Policy highlights:

• Identity theft expenses covered
• Electronics coverage with no deductible
• Guest medical protection
• All peril coverage options

Farmers

National insurer Farmers provides renters insurance in Baton Rouge. They offer packages tailored to renters with features like:

• Replacement cost for possessions
• Discount for smart home devices
• Green improvement coverage
• Identity fraud expense reimbursement

Liberty Mutual

Liberty Mutual is a leading renters insurance choice for Baton Rouge residents. They offer both traditional policies plus options like:

• Newer computer replacement coverage
• Identity theft monitoring
• Mechanical breakdown on electronics
• Scheduled personal property

Geico

In addition to strong auto insurance, Geico sells renters policies to Baton Rouge apartment and home renters.

Benefits include:

• Liability coverage from $100,000 up to $1 million
• No deductible for electronics coverage
• Fire department charges if services are used
• Loss of use reimbursement if temporary housing needed

Finding the Best Insurance in Baton Rouge

Make sure to compare quotes from multiple providers. Small differences in pricing or coverage can add up over time. Doing your homework will ensure you select insurance that provides quality protection, responsive claims service, and real value for your money.