Average Renters Insurance Cost in Louisiana

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Renters insurance costs in Louisiana vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Louisiana is $579 per year or $48 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in Louisiana is $579 per year or $48 per month.
State Farm provides the least expensive renters insurance in Louisiana at an average rate of $270 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Louisiana.

Average renters insurance cost in Louisiana per month

In Louisiana, the average cost of renters insurance is $48 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.

Average renters ins cost per month	Difference compared to national average
$48	$24 more

Average renters insurance cost in Louisiana by company

State Farm offers the most affordable renters insurance in Louisiana at an average annual rate of $270, followed by Progressive and Farmers, based on our data.

However, you should get multiple quotes from various renters insurance companies in Louisiana because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Louisiana.

Company	Average annual rate	Average monthly rate
State Farm	$270	$23
Progressive	$305	$25
Farmers	$537	$45
Allstate	$631	$53
Louisiana Farm Bureau	$1,026	$86
USAA*	$598	$50

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

Renters insurance calculator in Louisiana

$558/year

Estimated renters insurance rates in Louisiana

$47

Monthly renters insurance cost in Louisiana

107%

Compared to national average

Average cost of renters insurance in Louisiana by coverage level

The average annual cost of renters insurance in Louisiana is $579, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $305 a year for renters insurance in Louisiana. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows the average annual renters insurance costs in Louisiana for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$373	$31
$20,000 with $500 Deductible and $300,000 Liability	$394	$33
$20,000 with $1,000 Deductible and $100,000 Liability	$345	$29
$20,000 with $1,000 Deductible and $300,000 Liability	$366	$31
$40,000 with $500 Deductible and $100,000 Liability	$595	$50
$40,000 with $500 Deductible and $300,000 Liability	$615	$51
$40,000 with $1,000 Deductible and $100,000 Liability	$558	$47
$40,000 with $1,000 Deductible and $300,000 Liability	$579	$48
$60,000 with $500 Deductible and $100,000 Liability	$836	$70
$60,000 with $500 Deductible and $300,000 Liability	$857	$71
$60,000 with $1,000 Deductible and $100,000 Liability	$787	$66
$60,000 with $1,000 Deductible and $300,000 Liability	$808	$67

Average cost of renters insurance in Louisiana by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Louisiana.

Renters insurance rates in Louisiana by city

See rates in your city

Average cost of renters insurance in Louisiana by ZIP code

In Louisiana, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Louisiana

The amount Louisiana renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 71329 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $379.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Louisiana.

ZIP code	City	Average annual rate	Average monthly rate
71329	Dupont	$379	$32
71301	Alexandria	$380	$32
71328	Deville	$380	$32
71330	Echo	$380	$32
71424	Elmer	$380	$32
71427	Flatwoods	$380	$32
71430	Forest Hill	$380	$32
71431	Gardner	$380	$32
71433	Glenmora	$380	$32
71438	Hineston	$380	$32

Least affordable ZIP codes for renters insurance in Louisiana

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Louisiana is 70091, with an average cost of $1,367 a year or $114 monthly.

We analyzed quotes from multiple insurance providers across every ZIP code in Louisiana. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
70091	Venice	$1,367	$114
70358	Grand Isle	$1,365	$114
70083	Port Sulphur	$1,305	$109
70041	Buras	$1,269	$106
70082	Pointe A La Hache	$1,268	$106
70357	Golden Meadow	$1,267	$106
70631	Cameron	$1,253	$104
70632	Creole	$1,251	$104
70643	Grand Chenier	$1,249	$104
70081	Pilottown	$1,246	$104

Final thoughts: Average renters insurance in Louisiana

Renters insurance is a must-have for renters in Louisiana. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.