Average Renters Insurance Cost in Louisiana

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In Louisiana, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $504 annually or $42 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 $504 per year or $42 per month.
State Farm provides the least expensive renters insurance in Louisiana at an average rate of $260 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 $42 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
$42	$20 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 $260, 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	$260	$22
Progressive	$282	$24
Farmers	$481	$40
Allstate	$577	$48
LA Farm bureau	$872	$73
USAA*	$498	$42

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

Renters insurance calculator in Louisiana

$472/year

Estimated renters insurance rates in Louisiana

$39

Monthly renters insurance cost in Louisiana

91%

Compared to national average

Average cost of renters insurance in Louisiana by coverage level

On average, Louisiana renters pay $504 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Louisiana to $348 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are 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	$343	$29
$20,000 with $500 Deductible and $300,000 Liability	$375	$31
$20,000 with $1,000 Deductible and $100,000 Liability	$316	$26
$20,000 with $1,000 Deductible and $300,000 Liability	$348	$29
$40,000 with $500 Deductible and $100,000 Liability	$506	$42
$40,000 with $500 Deductible and $300,000 Liability	$538	$45
$40,000 with $1,000 Deductible and $100,000 Liability	$472	$39
$40,000 with $1,000 Deductible and $300,000 Liability	$504	$42
$60,000 with $500 Deductible and $100,000 Liability	$688	$57
$60,000 with $500 Deductible and $300,000 Liability	$720	$60
$60,000 with $1,000 Deductible and $100,000 Liability	$643	$54
$60,000 with $1,000 Deductible and $300,000 Liability	$675	$56

Average cost of renters insurance in Louisiana by city

Renters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Louisiana and find the best fit for your budget.

Renters insurance rates in Louisiana by 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 $319.

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	$319	$27
71301	Alexandria	$322	$27
71328	Deville	$322	$27
71424	Elmer	$322	$27
71330	Echo	$322	$27
71447	Lena	$322	$27
71448	Longleaf	$322	$27
71302	Alexandria	$322	$27
71427	Flatwoods	$322	$27
71430	Forest Hill	$322	$27

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 70358, with an average cost of $1,286 a year or $107 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
70358	Grand Isle	$1,286	$107
70091	Venice	$1,271	$106
70083	Port Sulphur	$1,192	$99
70041	Boothville	$1,173	$98
70357	Golden Meadow	$1,164	$97
70082	Pointe A La Hache	$1,153	$96
70631	Cameron	$1,144	$95
70632	Creole	$1,141	$95
70643	Grand Chenier	$1,139	$95
70354	Galliano	$1,138	$95

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.