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Tracking down the cheapest homeowners insurance for you takes some digging and comparing quotes from multiple home insurance companies.

Home insurance companies gauge risk differently from one another. One insurer may put more emphasis on one metric and not as much on another.

That’s why getting quotes from at least three homeowners insurance companies is an essential part of shopping for the cheapest homeowners insurance in Louisiana. We found that ASI Lloyds has the lowest average home insurance rates in Louisiana at $1,577 per year on average.

Let’s take a look at homeowners insurance in Louisiana and how to find the best home insurance rates.

Key Takeaways

  • The cheapest homeowners insurance for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible in Louisiana is offered by ASI Lloyds at $1,577 per year.
  • The homeowners insurance in Louisiana is $965 more than the national average.
  • The zipcode 70357 offers the cheapest homeowners insurance in Louisiana at $1,308 per year.

Cheap homeowners insurance companies in Louisiana

ASI Lloyds, USAA and Garrison have the three cheapest Louisiana homeowners insurance rates, on average.

Here are average annual premium for homeowners insurance in Louisiana for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
ASI Lloyds$1,577$131
USAA$3,227$269
Garrison$3,530$294
United$3,568$297
Louisiana Farm Bureau Mut$4,201$350
State Farm$4,344$362
Safeco$4,796$400
Allstate$6,135$511
Foremost$6,884$574
Farmers$7,757$646

Compare cheap homeowners insurance in Louisiana by ratings

Experts at Insure.com compared the cheapest homeowners insurance companies in Louisiana based on J.D. Power score and AM best rating. Among the carriers surveyed, USAA received the highest J.D. power score — 882 out of 1000.

Find below the list of cheap homeowners insurance companies and J.D. Power score and AM Best rating.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Allstate829A+
Farmers813A
Safeco810A
Liberty Mutual806A

How much is home insurance in Louisiana

The average homeowners insurance in Louisiana is $3,270 for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Beyond location, insurance providers also consider claims history for you, your home and the area; building costs; coverage level; and credit history.

Filing multiple claims is one way to see much higher home insurance premiums.

Average annual premiumAverage monthly premium
$3,270$273

Cheapest homeowners insurance in Louisiana by ZIP code

Homeowners insurance costs vary in Louisiana. Location, including ZIP code, is just one aspect of home insurance costs.

Here are the average home insurance cost by city/ZIP codes in Louisiana:

ZIP codeAverage annual premiumAverage monthly premium
70357$1,308$109
70129$1,458$122
70037$1,610$134
70644$2,550$212
70645$2,577$215
70345$2,596$216
70085$2,602$217
70373$2,625$219
70122$2,627$219
70032$2,640$220
71270$2,646$220
70043$2,654$221
71275$2,681$223
70075$2,686$224
71235$2,694$224

Know how much is home insurance in other states

Alaska$1,799/Year
Alabama$2,981/Year
Arkansas$3,439/Year
Arizona$1,976/Year
California$1,166/Year
Colorado$3,082/Year
Connecticut$1,961/Year
Washington D.C.$1,488/Year
Delaware$1,521/Year
Florida$3,439/Year
Georgia$2,555/Year
Hawaii$499/Year
Iowa$2,540/Year
Idaho$1,842/Year
Illinois$2,201/Year
Indiana$2,423/Year
Kansas$3,931/Year
Kentucky$2,862/Year
Massachusetts$1,920/Year
Maryland$1,518/Year
Maine$1,833/Year
Michigan$2,153/Year
Minnesota$3,010/Year
Missouri$3,111/Year
Mississippi$3,340/Year
Montana$2,809/Year
North Carolina$2,009/Year
North Dakota$2,601/Year
Nebraska$3,133/Year
New Hampshire$1,455/Year
New Jersey$1,744/Year
New Mexico$2,299/Year
Nevada$1,486/Year
New York$1,840/Year
Ohio$2,107/Year
Oklahoma$4,445/Year
Oregon$1,608/Year
Pennsylvania$1,720/Year
Rhode Island$2,125/Year
South Carolina$2,678/Year
South Dakota$3,172/Year
Tennessee$2,692/Year
Texas$3,429/Year
Utah$1,378/Year
Virginia$1,956/Year
Vermont$1,212/Year
Washington$1,514/Year
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
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Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

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