Home Home insurance Average home insurance cost Cheapest homeowners insurance in Louisiana Cheapest homeowners insurance in Louisiana Written by: Les Masterson 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. Read full bio >> | Reviewed by: Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. Read full bio >> | Updated on June 3, 2022 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 TakeawaysThe 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 LouisianaASI 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 premiumASI Lloyds$1,577$131USAA$3,227$269Garrison$3,530$294United$3,568$297Louisiana Farm Bureau Mut$4,201$350State Farm$4,344$362Safeco$4,796$400Allstate$6,135$511Foremost$6,884$574Farmers$7,757$646Compare cheap homeowners insurance in Louisiana by ratingsExperts 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 ratingUSAA882A++State Farm835A++Allstate829A+Farmers813ASafeco810ALiberty Mutual806AHow much is home insurance in LouisianaThe 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$273Cheapest homeowners insurance in Louisiana by ZIP codeHomeowners 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 premium70357$1,308$10970129$1,458$12270037$1,610$13470644$2,550$21270645$2,577$21570345$2,596$21670085$2,602$21770373$2,625$21970122$2,627$21970032$2,640$22071270$2,646$22070043$2,654$22171275$2,681$22370075$2,686$22471235$2,694$224 Know how much is home insurance in other statesAlaska$1,799/YearAlabama$2,981/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearColorado$3,082/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearHawaii$499/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearIndiana$2,423/YearKansas$3,931/YearKentucky$2,862/YearMassachusetts$1,920/YearMaryland$1,518/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMissouri$3,111/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNorth Dakota$2,601/YearNebraska$3,133/YearNew Hampshire$1,455/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOklahoma$4,445/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor . .Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. 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