Cheapest Homeowners Insurance in Louisiana with rates for 2022

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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.

Company	Average annual premium	Average 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.

Company	J.D. Power score	AM Best rating
USAA	882	A++
State Farm	835	A++
Allstate	829	A+
Farmers	813	A
Safeco	810	A
Liberty Mutual	806	A

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 premium	Average 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 code	Average annual premium	Average 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

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

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

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.