Average homeowners insurance cost in Louisiana

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Home insurance in Louisiana costs an average of $3,576 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. Progressive offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $3,576 a year, based on our data.
Of all the ZIP codes in Louisiana, 71440 has the most affordable home insurance rates at around $2,737 annually.
In Louisiana, Progressive provides the most affordable home insurance at an average annual premium of $1,429.

What is the average cost of homeowners insurance in Louisiana?

Homeowners in Louisiana pay an average of $3,576 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Louisiana? Cost by coverage level

The typical homeowners insurance policy in Louisiana runs $3,576 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $4,546 in Louisiana.

The table below shows average homeowners insurance costs in Louisiana for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$2,805	$234
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$2,822	$235
$300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$3,576	$298
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$3,594	$299
$400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$4,546	$379
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$4,564	$380
$600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$7,058	$588
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$7,078	$590
$1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$11,548	$962
$1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$11,569	$964

Average home insurance cost in Louisiana by insurer

The most affordable homeowners insurance in Louisiana comes from Progressive, which averages $1,429 per year. Allstate and State Farm are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Louisiana homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Progressive	$1,429	$119
Allstate	$3,355	$280
State Farm	$5,035	$420
Farmers	$5,307	$442
Louisiana Farm Bureau	$9,726	$810
USAA*	$3,094	$258

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Louisiana.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Louisiana?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Louisiana

Most affordable ZIP codes for home insurance in Louisiana

The lowest rates in Louisiana are found in 71440, where homeowners pay an average of $2,737 per year.

Where you live in Louisiana has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Louisiana.

ZIP code	Average annual rate	Average monthly rate
71440	$2,737	$228
71441	$2,745	$229
71475	$2,747	$229
71105	$2,750	$229
71253	$2,756	$230
71002	$2,757	$230
71115	$2,760	$230
71443	$2,762	$230
71279	$2,763	$230
71424	$2,764	$230

Most expensive ZIP codes for home insurance in Louisiana

At the other end of the spectrum, 70358 has the highest average rates in Louisiana at $10,963 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Louisiana.

ZIP code	Average annual rate	Average monthly rate
70358	$10,963	$914
70632	$10,105	$842
70354	$10,026	$835
70129	$9,890	$824
70128	$9,834	$820
70127	$9,733	$811
70126	$9,712	$809
70122	$9,521	$793
70124	$9,515	$793
70645	$9,477	$790

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Louisiana by city

See rates in your city

What are the best homeowners insurance companies in Louisiana?

Based on our data, State Farm stands out as the top choice in Louisiana. It earns an AM Best rating of A++ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Louisiana by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
State Farm	$5,035	A++	0.95	5
Allstate	$3,355	A+	0.9	4.65
Louisiana Farm Bureau	$4,632	A	0.28	4.18
Progressive	$1,429	A+	8.45	4.12
Farmers	$4,728	A	0.54	4.1

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.