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.
Average Home Insurance Cost in Louisiana
Updated: January 7, 2026
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Key Takeaways: Louisiana Home Insurance Rates
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.
How Much Is Home Insurance in Louisiana?
| 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.
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$220
High
$144
Average
$104
Low
Rates updated:
Jan 29, 2026
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What Affects Average Louisiana Home Insurance Costs?
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.
Average Louisiana Home Insurance Cost by City
Home insurance premiums across Louisiana reflect distinct regional patterns. Coastal areas carry the highest costs — New Orleans residents pay $12,248 annually while nearby Metairie averages $12,534. Central Louisiana offers more affordable rates, with Alexandria at $3,460 and Natchitoches at $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 |
Average Louisiana Homeowners Insurance Pricing by Coverage Level
Your coverage choices can result in major premium differences in Louisiana. Basic protection of $100,000 dwelling coverage with $50,000 in personal property costs $3,391 annually. Premium properties requiring $1 million dwelling coverage reach $24,360 annually, roughly seven times the cost of basic protection.
| $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 |
Average Cost of Louisiana Home Insurance by Company
Your choice of insurer can drastically affect home insurance costs in Louisiana. Louisiana Farm Bureau charges an average of $19,660 per year, which is over ten times more than Foremost Insurance at $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 |
Louisiana Homeowners Insurance Costs by House Age
Home age affects insurance costs in Louisiana. Homes built in 2020 average $6,017 annually, while homes from 1980 cost $7,778 per year. Older homes cost about 30% more to insure than newer construction.
| Newer | $501 | $6,017 |
| Middle Age | $609 | $7,304 |
| Older | $648 | $7,778 |
Average Louisiana Home Insurance Cost by Credit Score
Louisiana homeowners with excellent credit save $8,859 annually compared to those with poor credit. Excellent credit scores secure rates around $4,938 per year, while poor credit pushes premiums to $13,797.
| Excellent | $412 | $4,938 |
| Good | $609 | $7,304 |
| Below Fair | $753 | $9,037 |
| Poor | $1,150 | $13,797 |
Why Is Home Insurance So Expensive in Louisiana?
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.
Hurricane Exposure and Catastrophic Weather Risk
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.
Rising Claims
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.
Insurance Market Instability
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.
Tips to Save on Louisiana Home Insurance
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.
- 1Calculate Coverage Needs
Match your dwelling coverage to actual replacement costs, not your home's market value. List your belongings to determine accurate personal property limits. Standard Louisiana policies exclude flood damage, so coastal homeowners in New Orleans need separate flood insurance. Add endorsements for high-value items or water backup protection if you own an older home.
- 2Research Rates and Discounts
Get baseline cost estimates using MoneyGeek's Louisiana home insurance calculator before requesting formal quotes. Ask every insurer about available discounts. Security systems, claim-free histories and protective devices like storm shutters can cut premiums by 10% to 25%. Properties built within the past decade often qualify for new home discounts.
- 3Compare Multiple Providers
Request quotes from at least three insurers to find competitive rates. Low premiums mean nothing if claims get denied or delayed. Check each company's customer satisfaction scores, financial strength ratings and hurricane claims track record. Louisiana coastal properties need insurers with proven storm response capabilities.
- 4Bundle Home and Auto
Combining home and auto insurance with one provider saves 10% to 25% on both policies in Louisiana. This bundling strategy works well for homeowners in Shreveport or Lake Charles who want simplified billing and potentially better claims coordination. Compare bundled rates against separate policies to ensure actual savings, as some insurers offer more competitive individual policy pricing.
- 5Lower Your Risk Profile
Install safety features like smoke detectors, security systems or storm shutters to qualify for premium reductions. Maintaining a claim-free record for five years saves approximately $1,162 annually compared to filing one claim. Improving credit from below fair to good saves about 19% on Louisiana premiums. Pay bills on time and reduce debt to boost your credit score and insurance savings.
REVIEW YOUR POLICY AFTER MAJOR HOME IMPROVEMENTS
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.
Calculate Louisiana Homeowners Insurance Costs: FAQ
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.
How much will my premium increase after filing a claim in Louisiana?
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.
How much can I save by choosing a different insurer in Louisiana?
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.
Does home insurance in Louisiana cover tornado damage?
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.
Why does home insurance cost more for older homes in Louisiana?
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.
Do I need separate flood insurance in Louisiana?
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.
How We Analyzed Louisiana Home Insurance Rates
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.
These specifications align with median home values across Louisiana markets and reflect the most common home age category in the state. This standardized approach allows for accurate rate comparisons between different insurance companies and coverage options.
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 Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- National Centers for Environmental Information. "Louisiana Billion-Dollar Disaster Events (1980-2004)." Accessed January 29, 2026.
- Louisiana Illuminator. "Louisiana’s Business-Friendly Climate Response." Accessed January 29, 2026.