Updated: May 21, 2026
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Louisiana homeowners pay an average of $609 monthly or $7,304 annually for home insurance, ranking as the third most expensive state nationwide.
Louisiana residents can lower costs by determining coverage needs, gathering multiple quotes and researching best home insurance in Louisiana providers thoroughly.
MoneyGeek's free home insurance calculator helps Louisiana homeowners estimate costs quickly without entering personal information.
Louisiana's average home insurance premium costs $609 monthly or $7,304 annually. That's $320 more per month than the national average, making Louisiana the third most expensive state for home insurance. Residents pay 111% more than the typical American homeowner.
Use our free home insurance calculator for Louisiana homeowners below to get premium estimates for your profile.
| Louisiana | $7,304 | $3,467 | 111% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jun 10, 2026
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Multiple factors determine your Louisiana home insurance costs, including your home's location, coverage limits, construction materials, insurance company, credit score and past claims. Let's examine how each of these elements impacts what you'll pay for coverage.
Louisiana home insurance costs vary greatly by region. New Orleans residents pay $12,248 annually and nearby Metairie averages $12,534. Central Louisiana runs far cheaper: Alexandria is $3,460 and Natchitoches $3,704 per year.
| Alexandria | $288 | $3,460 |
| Baton Rouge | $372 | $4,460 |
| Lafayette | $515 | $6,176 |
| Logansport | $306 | $3,673 |
| Mandeville | $662 | $7,945 |
| Metairie | $1,045 | $12,534 |
| Natchitoches | $309 | $3,704 |
| New Orleans | $1,021 | $12,248 |
| Shreveport | $320 | $3,845 |
Your coverage choices affect premiums. Basic protection with $100,000 dwelling coverage and $50,000 in personal property costs $3,391 annually. Premium properties requiring $1 million in dwelling coverage cost $24,360 annually.
| $100K Dwelling / $50K Personal Property / $100K Liability | $283 | $3,391 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $609 | $7,304 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $1,121 | $13,456 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $1,686 | $20,234 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $2,030 | $24,360 |
Louisiana Farm Bureau costs an average of $19,660 per year. This is 10 times more than Foremost, which charges $1,962 annually.
| Foremost Insurance | $164 | $1,962 |
| USAA | $288 | $3,453 |
| State Farm | $375 | $4,502 |
| Allstate | $380 | $4,556 |
| The Hanover | $405 | $4,860 |
| Progressive | $767 | $9,200 |
| Shelter | $853 | $10,238 |
| Louisiana Farm Bureau | $1,638 | $19,660 |
A home built in 2020 costs you $6,017 per year in insurance. One from 1980 costs $7,778, about 30% more.
| Newer | $501 | $6,017 |
| Middle Age | $609 | $7,304 |
| Older | $648 | $7,778 |
Excellent credit saves you $8,859 annually compared to those with poor credit. Excellent credit scores bring rates around $4,938 per year, while poor credit drives premiums to $13,797.
| Excellent | $412 | $4,938 |
| Good | $609 | $7,304 |
| Below Fair | $753 | $9,037 |
| Poor | $1,150 | $13,797 |
Louisiana ranks as the third most expensive state for home insurance, with average premiums 111% above the national average. Multiple factors drive these elevated costs.
Louisiana gets severe hurricane threats as the nation's most hurricane-prone state. The state experienced 106 severe weather events with losses exceeding $1 billion each between 1980 and 2024, according to National Oceanic and Atmospheric Administration (NOAA) data. These weather patterns increase damage likelihood, pushing insurers to raise rates in high-risk areas.
When homeowners file insurance claims often, insurers raise premiums to cover higher payout risks. Louisiana homeowners with a clean five-year claims history pay $7,304 annually on average. File one claim and your premium jumps to $8,466, a $1,163 increase. Two claims push costs to $9,444, adding $2,141 to your baseline rate.
Several major insurers have reduced Louisiana coverage or exited the market entirely in recent years. Louisiana Illuminator reports that the state's residual market (Louisiana Citizens Property Insurance) grew from roughly 34,000 policies in 2020 to over 125,000 by 2024. When fewer insurers compete for business, remaining companies can charge higher premiums. Market contraction combined with increased catastrophe risk creates upward premium pressure across all Louisiana properties.
Louisiana homeowners pay high insurance costs, making it important to find the cheapest home insurance in Louisiana. These proven strategies can help you reduce premiums and protect your budget.
Base dwelling coverage on replacement cost. List your belongings to find out personal property limits. Standard Louisiana policies don't cover flood damage. You need separate cover for this.
Use MoneyGeek's Louisiana home insurance calculator before requesting formal quotes. Find out what discounts you can get.
Get quotes from a minimum of three companies.
You can reduce premiums if you have smoke detectors, security systems and storm shutters. If you have a five-year claim-free record, you can save approximately $1,162 annually.
Louisiana homeowners who complete major renovations, such as new roofs, hurricane shutters, electrical upgrades or HVAC replacements, should notify their insurer immediately. Many improvements qualify for premium discounts, particularly those that reduce storm damage risk.
A new impact-resistant roof can lower premiums by 10% to 35% depending on your insurer. Failing to report improvements means you're potentially overpaying while leaving your home underinsured if major improvements increase its replacement value.
Louisiana homeowners insurance costs depend on many factors specific to your home and location. The FAQs below explain what affects your rates and help you understand potential expenses for coverage in the state.
Louisiana homeowners see their premiums jump by $1,163 after one claim and $2,140 after two claims compared to claim-free customers. Those with clean records pay $7,304 annually on average. One claim pushes your rate to $8,466 per year, while two claims cost $9,444 annually. Claims remain on your record for five years, meaning you'll pay these elevated rates throughout that entire period.
Shopping around for home insurance in Louisiana can save you thousands of dollars annually. The rate differences between insurers are substantial, with Foremost Insurance offering the most affordable coverage at $1,962 per year while Louisiana Farm Bureau charges $19,660 annually for comparable policies.
Even mid-tier insurers show large price gaps. Allstate costs $4,556 annually compared to The Hanover at $4,860, creating a $304 yearly difference between these middle-range options. Compare quotes from at least three insurers to find the best rate for your situation.
Yes, standard home insurance policies in Louisiana cover tornado damage. Your policy protects your home, other structures on your property, and your personal belongings from tornado damage.
Home insurance covers wind damage from tornadoes, including damaged roofs, broken windows and destroyed structures. You will need to pay your deductible before your coverage begins helping with repair costs.
Tornado damage falls under the windstorm coverage that comes with most Louisiana home insurance policies. This means you don't need to buy separate tornado insurance to get protection from these storms.
Older homes in Louisiana cost 29% more to insure than newer properties. A home built in 1980 averages $7,778 annually, while a 2020-built home costs $6,017 per year. This creates a $1,761 yearly difference between old and new homes. Middle-aged homes from 2000 fall between these extremes at $7,304 annually.
Insurance companies charge higher premiums for older properties because they carry greater risks from aging infrastructure. Outdated electrical wiring, older plumbing systems and deteriorating roofs are more likely to fail and trigger expensive claims. Louisiana's humid climate accelerates wear and tear on building materials, making older homes particularly vulnerable to damage.
Yes, standard homeowners insurance excludes flood damage throughout Louisiana, making separate flood insurance essential for most properties. This can be bought from the National Flood Insurance Program. Louisiana contains some of the nation's highest flood risk areas, and even properties outside designated flood zones face risk from heavy rainfall and storm surge. Flood policies require a 30-day waiting period, so purchase coverage before hurricane season begins.
MoneyGeek calculated Louisiana home insurance estimates using real premium data to show how specific factors affect your costs. We built our analysis around a standard homeowner profile that represents typical Louisiana residents.
Our baseline profile includes $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible. The home specifications include a 2000 build year, frame construction, composition roof and no insurance claims filed in the past five years.
Rates are based on median Louisiana home values and the most common home age category in the state, allowing direct comparisons across insurers.
To measure how individual factors impact premiums, we changed one variable at a time while keeping all other details identical. For example, when analyzing how home age affects rates, we compared identical policies for homes built in 1980, 2000 and 2020. This method isolates the true cost impact of each factor.
Your actual premiums will vary based on your home's construction type, roof condition, location, coverage amounts, claims history, credit score and chosen insurance company. The rate differences shown demonstrate how much these individual factors influence your final premium.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
