Average Renters Insurance Cost in Louisiana

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In Louisiana, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $579 annually or $48 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.

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

The average cost of renters insurance in Louisiana is $48 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

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

Average renters insurance cost in Louisiana by company

According to our data, State Farm provides the most affordable renters insurance in Louisiana, with an average annual rate of $270, followed by Progressive and Farmers.

Getting quotes from multiple renters insurance companies in Louisiana is a good idea, as prices can differ significantly among insurers.

Below, you can find average annual and monthly renters insurance rates from various companies in 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 $366 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 premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Louisiana.

Renters insurance rates in Louisiana by city

See rates in your city

Average cost of renters insurance in Louisiana by ZIP code

Renters insurance costs in Louisiana vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.

Most affordable ZIP codes for renters insurance in Louisiana

How much Louisiana renters pay for insurance depends on the ZIP code they live in. 71329 is the most affordable ZIP code for renters insurance in Louisiana among all the ZIP codes analyzed, at $379 a year on average.

Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance 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

Your ZIP code, among other factors, affects how much you pay for renters insurance in Louisiana. 70091 is the least affordable ZIP code for Louisiana renters at an average cost of $1,367 a year or $114 monthly.

We have analyzed quotes from the major insurance carriers across all the ZIP codes in Louisiana. Below are the average annual renters insurance costs 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.