Average Renters Insurance Cost in Louisiana

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Renters insurance costs in Louisiana vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Louisiana pay $579 per year or $48 per month for a policy that includes $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

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

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

On average, Louisiana renters pay $579 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 $366 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	$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

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

70091 is the most expensive ZIP code for renters insurance in Louisiana, at an average cost of $1,367 annually or $114 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Louisiana. The table below shows the average annual renters insurance rates 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 for Louisiana renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the 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.