Best and cheapest homeowners insurance companies in Louisiana

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Louisiana homeowners spend an average of $5,986 annually on home insurance, though your personal premium could look very different. Insurers weigh dozens of variables when setting rates, from how old your home is and what it’s made of to how far it sits from a fire station or a flood-prone area. That’s why two homes on the same street can end up with very different insurance bills.

If affordability is your top priority, Farmers offers the lowest average rates in Louisiana. But price is only part of the picture. Financial strength, customer satisfaction, and third-party ratings are all worth weighing before choosing a policy.

How to find the right policy in 3 steps

Estimate your coverage needs. Aim for enough dwelling coverage to fully rebuild your home at today’s construction prices.
Compare at least three quotes using identical coverage limits and deductibles – rates for the same policy can vary by hundreds of dollars.
Look beyond price. Check financial strength ratings (AM Best) and customer satisfaction scores (J.D. Power) before committing to the cheapest option.

Our choice: Compare the best homeowners insurance companies in Louisiana

No single insurer is the right fit for every homeowner in Louisiana. The company that offers the best value for one household might not be the most competitive option for another, which is why comparing providers is so important.

Here are our top-rated homeowners insurance companies in Louisiana.

Company group	Annual premium	AM Best rating	NAIC rating	Overall rating (out of 5)
Farmers	$2,635	A	0.89	4.14
Allstate	$5,626	A+	1.26	3.69
Louisiana Farm Bureau	$9,513	B++	0.00	3.49
State Farm	$8,070	A+	1.15	3.43

What are the cheapest homeowners insurance companies in Louisiana?

Farmers offers the cheapest homeowners insurance in Louisiana, with average rates of $220 per month or $2,635 annually.

The cheapest homeowners insurance company in Louisiana also depends on how insurers weigh local factors like climate risk, claims history, and building costs, which is why the lowest-cost provider can vary from one state to the next. Getting quotes from a few different insurers is the best way to find the lowest rate for your specific situation.

Company group	Annual premium	Monthly premium
Farmers	$2,635	$220
Allstate	$5,626	$469
State Farm	$8,070	$673
Louisiana Farm Bureau	$9,513	$793

Home insurance rates can vary by hundreds – even thousands – between insurers

Even within the same state, premiums can swing by hundreds of dollars based on factors you might not think about, including:

Your exact ZIP code, local claim history, and proximity to the coast, wildfire zones, or areas prone to severe weather
Your home’s age, size, roof type, construction materials, and the overall risk your property carries
Distance to the nearest fire station or fire hydrant
Your credit-based insurance score
Whether you’ve filed claims in the past five to seven years

How much does homeowners insurance cost in Louisiana?

The average homeowners insurance cost in Louisiana is $5,986. That’s $3,443 higher than the national average of $2,543.

State averages provide a helpful reference point, but they don’t tell the whole story. Your actual rate will be driven by factors unique to your property and coverage choices, including your ZIP code, home value, roof condition and the limits you select.

Annual premium	Monthly premium	Difference compared to national avg.
$5,986	$499	$3443 more

People also asked: Is homeowners insurance required in Louisiana?

There is no legal requirement to carry homeowners insurance in Louisiana, but if your home is mortgaged your lender will almost certainly require a policy that covers the full cost to rebuild the property after a total loss. Standard policies generally include dwelling, liability and personal property coverage, though the specifics vary from one insurer to the next.

Estimate your costs and compare homeowners insurance quotes in Louisiana

Use our homeowners insurance calculator below to estimate how much coverage might cost in your state. Choose your dwelling coverage, liability limits, and deductible to see how each choice affects your average annual rate – along with the lowest and highest rates available in your area.

Keep in mind that your actual quote will depend on additional details specific to your home, including its age, construction type, claim history, and exact location within the state. Use the calculator as a starting point, then compare quotes from at least three insurers to find your true lowest price.

Homeowners insurance rates by state calculator

See how the average annual home insurance rates vary with the options chosen.

State

Louisiana

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming

Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)$2,500 with 2% Hurricane deductible$1,000 with 2% Hurricane deductible

Average annual home insurance rates in
Louisiana

$2,113 Average rate

Average rate

$2,113/Yr

Lowest rate

$1,008/Yr

Highest rate

$4,703/Yr

Rates by carriers in Louisiana

Company	Average annual rate
State Farm	$1,008
Allstate	$1,040
Farmers	$1,700
Louisiana Farm Bureau	$4,703

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Last calculator data updated on: 2026

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

How do I choose the right homeowners insurance in Louisiana?

Selecting the right homeowners insurance in Louisiana means focusing on three core factors: enough coverage to rebuild your home from the ground up, a deductible you can realistically afford and an insurer backed by strong financials and dependable service. The ideal policy finds the right balance between cost and protection, because a low monthly rate matters very little if claims take forever to resolve or your coverage limits don’t hold up when it matters.

What to look for in a homeowners insurance policy:

Replacement cost coverage. This is typically required by your mortgage lender and pays to rebuild at current construction prices rather than your home’s depreciated market value. It’s included in most standard policies, but make sure the estimate reflects what labor and materials actually cost in your area today.
A deductible that fits your budget. Opting for a higher deductible brings your premium down but raises your out-of-pocket expense when you file a claim. Set it at an amount you could realistically pay without putting a strain on your finances.
Adequate liability limits. This coverage protects you if a guest is injured at your home or you accidentally cause damage to someone else’s property. Most insurance professionals recommend holding at least $300,000 in liability protection.
Strong claims handling. Look at J.D. Power and AM Best ratings and spend time reading verified customer reviews. An inexpensive policy from an insurer with poor service can end up costing you significantly more when a claim arises.
Quotes from at least three insurers. Because identical coverage can be priced very differently across companies, getting multiple quotes is the only way to be confident you’re paying a fair rate.

The cheapest policy isn’t always the best deal

Going with the lowest premium often means accepting trade-offs somewhere else, such as a higher deductible, narrower coverage limits or exclusions for things like water backup or roof damage. Before committing to the most affordable option, dig into what the policy actually covers and how much you’d be responsible for after a claim. A policy that trims $200 from your annual bill can become an expensive mistake if it leaves meaningful gaps in your protection.

What are the most common natural disasters in Louisiana?

According to the Federal Emergency Management Agency (FEMA), a U.S. agency that manages disaster response and flood risk, the most common natural disaster in Louisiana is Riverine flooding. These risks can significantly impact homeowners insurance costs and coverage needs, especially in high-risk areas.

Disaster risk looks very different depending on where you live, and so do the gaps in standard homeowners coverage. Floods and earthquakes are excluded from most policies and each requires its own separate protection, such as flood insurance through FEMA’s National Flood Insurance Program or a stand-alone earthquake policy or endorsement. Don’t wait until a disaster hits to review your coverage. Take time now to identify the major risks in Louisiana and fill any gaps before you need to file a claim.

The table below shows the expected annual losses from natural disasters in Louisiana:

Natural Hazard(s)	Expected Annual Loss
Riverine flooding	Very High

Standard policies don’t cover every disaster

Standard homeowners insurance generally excludes flood and earthquake damage, which can leave you covering major losses on your own. Based on where your home sits in Louisiana, a separate flood policy or earthquake endorsement could be essential to closing that gap. It’s worth reviewing your coverage now rather than discovering the shortfall after a loss.

How we picked the top-rated home insurance companies

We used sample rates from Quadrant Data Services for coverage of $300,000 for both dwelling and liability coverage and a $1,000 deductible. We analyzed more than 37 million quotes from 134 companies.

We also gathered AM Best financial strength ratings for each insurance company, along with each company’s National Association of Insurance Commissioners (NAIC) complaint ratio. The NAIC is a regulatory support organization made up of state insurance regulators, and its complaint ratio compares how many complaints an insurer receives to the industry average.

We used these data points to create a score out of five. Only companies for which all three data points are available were included in the comparison.

Frequently asked questions

Does home insurance cover windstorms in Louisiana?

Homeowners insurance typically covers wind damage. However, in some states – particularly those vulnerable to damage from hurricanes – your homeowners policy might have a separate deductible for storms such as hurricanes or tropical storms.

These deductibles are often much higher than the deductible that applies to the rest of your homeowners insurance coverage. Louisiana does allow separate deductibles for hurricanes and windstorms.

In some cases, windstorm coverage has to be purchased separately; make sure to ask when you buy a policy.

Do I need flood insurance in Louisiana?

If you live in a high-risk flood zone in Louisiana, you need to purchase flood insurance. A standard homeowners insurance policy does not cover damage from floods. You can check your flood zone on FEMA’s flood maps.

About 90% of all natural disasters include flooding, according to the federal government’s National Association of Insurance Commissioners, so all homeowners should consider flood insurance.

Do homeowners insurance policies cover building code upgrades?

Homeowners insurance typically does not cover the extra cost of bringing your home up to current building codes after a covered loss. If your home is older, you may be required to rebuild parts of it to meet updated regulations, which can increase repair costs significantly.

According to the Insurance Information Institute (III), a nonprofit that provides insurance data and research, homeowners can add an ordinance or law endorsement to cover the cost of required code upgrades during repairs or rebuilding. Without it, those costs are typically paid out of pocket.

How can I save on homeowners insurance?

Getting quotes from several different insurers and comparing them side by side is the single most effective way to save on homeowners insurance. It ensures you’re not paying more than necessary for the coverage you need.

You can also reduce your premium by raising your deductible, but make sure you could cover that amount comfortably if you need to file a claim, since you’ll need to pay it before your insurer covers anything.

Beyond that, many insurers reward qualifying policyholders with discounts. Bundling your home and auto coverage under one provider is a popular option that can lead to meaningful savings.

Upgrading your home’s safety features is another route worth considering. Theresa Breunig-Silbernagel, head of strategy and experience at Main Street America Insurance, recommends installing smoke detectors and security systems.

“Smart home systems such as motion sensors, video doorbells and water leak sensors will send you an alert on your cell phone so you can handle the issue before it becomes a real problem,” she says. “Often, these installed devices can result in discounts.”

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in all 50 states as well as Washington, D.C. with coverage levels of $300,000 for dwelling and liability and with a $1,000 deductible. Average rates were calculated using quotes from 134 insurance companies. To rank insurance companies, we used the average rate in the state along with NAIC complaint ratios and AM Best financial stability ratings.

Natural disaster data was drawn from FEMA’s National Risk Index.

Sources:

FEMA. “Flood Insurance.” Accessed May 2026.

Insurance Information Institute. “How much homeowners insurance do you need?” Accessed May 2026.

National Association of Insurance Commissioners. “Flood Insurance/National Flood Insurance Program (NFIP).” Accessed May 2026.

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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.