Updated: November 12, 2025
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The average cost of homeowners insurance in Louisiana in 2024 is $4,031. This figure is $1,608 more than the national average of $2,423.
Aside from coverage amount, the insurance provider has the largest impact on premiums, with the difference between the lowest and highest premiums reaching $8,076 on average. If your rates have increased, our analysis of the cheapest home insurance in Louisiana may help you find more affordable options.
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:
Nov 27, 2025
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Table of Contents
To establish the average cost of homeowners insurance in Louisiana, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of home insurance in Louisiana as of 2024.
In Louisiana, the average annual premium for homeowners insurance with $250K in dwelling coverage, $125K in personal property coverage and $200K liability coverage is $4,031. This rate is more than the national average of $2,423.
Figuring out your coverage needs determines how well you're protected. Louisiana homeowners pay an average $1,961 yearly for $100,000 in dwelling coverage. Bump that to $500,000 and your premium jumps to $7,682 annually.
| $100K Dwelling / $50K Personal Property / $100K Liability | $1,961 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $4,031 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $7,682 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $11,687 |
Louisiana homeowners insurance premiums swing wildly between companies for identical coverage. One insurer quotes well under the state average while another charges well above it. Louisiana homeowners balancing cost and quality should check out the best homeowners insurance in Louisiana. Companies weigh underwriting factors like your home's location and their own risk models differently, creating these price gaps.
| ASI | $941 |
| State Farm | $2,727 |
| USAA | $2,890 |
| Foremost Insurance | $3,368 |
| Allstate | $3,610 |
| The Hanover | $4,250 |
| Shelter | $5,866 |
| Louisiana Farm Bureau | $8,593 |
Homeowners in Louisiana with poor credit scores pay an average annual premium of $7,519 for homeowners insurance, which is $3,488 more than the state average of $4,031. In contrast, those with excellent credit pay $3,577, which is $454 below the average.
While you may not be able to improve your credit score immediately, you can enhance it over time to reduce your rates. In the short term, comparing insurers can help find savings; it takes less than 15 minutes to see the most affordable Louisiana home insurers.
| Poor | $7,519 |
| Below Fair | $5,430 |
| Fair | $4,618 |
| Good | $4,031 |
| Excellent | $3,577 |
The type of roof on your home can influence your homeowners insurance premium in Louisiana. Materials like tile, which are more durable, can lead to lower premiums. However, the impact of roofing on insurance costs is relatively modest compared to other factors.
Similarly, the construction materials used in your home affect insurance rates. Homes built with materials that are more resistant to perils, such as fire, offer more favorable premiums. Like roofing, construction type is a less significant factor in determining insurance costs than coverage amount, credit rating and claims history.
The table shows how construction materials shift your premiums:
| $100K Dwelling / $50K Personal Property / $100K Liability | $1,961 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $4,031 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $7,682 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $11,687 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $14,796 |
New construction homes in Louisiana cost less to insure than older properties. New builds average $2,621 yearly, $1,410 cheaper than the $4,031 average for existing homes. Check the table for premium differences at various coverage levels.
| Existing Construction (2000) | $4,031 |
| New Construction (2023) | $2,621 |
Louisiana homeowners who have maintained a claim-free record for five or more years pay an average annual premium of $4,031 for their homeowners insurance. In contrast, those with one claim in the past five years see their average premium rise to $4,631, a $600 increase from the baseline. Homeowners with two claims within the same period face an even steeper increase, with an average annual premium of $5,221, which is $1,190 above the average.
| Claim free for 5+ years | $4,031 |
| 1 claim in past 5 years | $4,631 |
| 2 claims in past 5 years | $5,221 |
In Louisiana, tornadoes, wildfires, hurricanes and flooding are the biggest threats to homes. Homeowners insurance typically covers hurricane and wildfire damage, but you might need a separate policy for flooding and other natural disasters.
Annual premiums across Louisiana cities run $2,731 to $7,478. Baton Rouge costs $3,234 and Shreveport runs $2,731, while Metairie hits $7,478. Crime rates, weather patterns and local building costs explain why location moves your premium. Location matters, but it's one factor among many.
| Baton Rouge | $3,234 |
| Lafayette | $3,674 |
| Metairie | $7,478 |
| New Orleans | $7,117 |
| Shreveport | $2,731 |
Louisiana homeowners can score better rates by shopping smart. Know what drives pricing, compare your options, and you'll find coverage that fits your budget. Here's your roadmap.
Ask about policy bundles and other savings
Choose a company with solid ratings and competitive pricing.
Pick coverage matching your budget and protection needs.
Lock in your policy for home and belongings protection.
Bundling home and auto insurance in Louisiana cuts your costs. Multipolicy discounts average 10%, saving you $469 to $577 yearly on combined premiums. You'll also manage one relationship instead of two.
Louisiana homeowners have multiple discount options.
Remember to inquire about specific discounts when obtaining a quote to maximize potential savings.
In Louisiana, ASI offers the lowest average premium at $941. For more affordable options, explore cheap national providers.
Homeowners insurance in Louisiana typically covers wind damage from hurricanes. However, flood damage, often associated with hurricanes, usually requires separate coverage. Also, look into coverage for other natural disasters.
The insurer you choose has the most significant impact on your premium, with the highest option costing $8,593 and the lowest at $941.
Louisiana residents can save an average of 10% by bundling homeowners and auto insurance.
Louisiana homeowners have access to helpful insurance resources. Need official regulations, affordable coverage or cost calculators? These links get you started:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
