Home insurance in Louisiana costs about $419 monthly or $5,033 annually on average. Residents pay $200 more per month, or $2,399 more annually, than the national average, making it the fifth most expensive state for home insurance.
Average Home Insurance Cost in Louisiana
Updated: May 30, 2025
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Rates updated:
Jun 09, 2025
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Key Takeaways
Home insurance costs in Louisiana range from $2,366 to $32,373 on average per year, depending on various factors.
Louisiana's home insurance premiums are the fifth most expensive in the country, at 91% over the national average.
To find the best home insurance in Louisiana, determine your coverage needs, research providers and costs, and gather multiple quotes.
How Much Is Home Insurance in Louisiana?
| Louisiana Average | $419 | $5,033 | 91% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.
Average Home Insurance Cost By City
Depending on your city, various risk factors, including your property’s age, weather-related factors and home valuations, change drastically, affecting home insurance costs. For example, Metairie's average monthly home insurance cost is around $817; in Shreveport, it’s much lower at $286.
| Baton Rouge | $330 | $3,961 |
| Lafayette | $384 | $4,614 |
| Metairie | $817 | $9,802 |
| New Orleans | $939 | $11,268 |
| Shreveport | $286 | $3,431 |
*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Louisiana?
Home insurance is expensive in Louisiana because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail.
Rising Claims
When homeowners frequently file insurance claims, insurers may raise premiums to cover the increased risk of payouts. More claims suggest a higher likelihood of future claims, leading to costlier home insurance.
High Weather Risks
Areas prone to severe weather, such as hurricanes or wildfires, face higher home insurance costs due to the greater risk of property damage, which can lead to more frequent and expensive claims.
Rising Material and Labor Costs
As the cost of building materials and labor increases, so does the cost to repair or rebuild homes. Insurers adjust premiums upward to reflect these higher potential claim expenses.
State Insurance Laws
State-specific insurance regulations can impact home insurance prices. Mandates on coverage types or minimum limits may require higher premiums to ensure compliance with local laws.
What Affects Louisiana Home Insurance Costs?
Like for most home insurance companies, regardless of state, pricing is affected by these factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We've highlighted below how much each factor affects rates specific to Texas for these major factors.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates in Louisiana, with rates varying by up to 118%. Weather risks, home value and population density in your area play a major role in determining costs.
| Lowest | Louisiana Very Small Tier Aggregate | $235 | $2,822 |
| Highest | New Orleans | $937 | $11,245 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in home insurance rates for residents in Louisiana, averaging from $2,092 to $18,035 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $174 | $2,092 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $1,503 | $18,035 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in Louisiana homeowners insurance rates, averaging from $222 to $398 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.
| Lowest | New | Superior | Tile | $222 | $2,668 |
| Highest | Old | Frame | Shake-Treated | $398 | $4,775 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Louisiana home insurance rates, with prices ranging from 80% below to 183% above the state average.
| Lowest | ASI | $78 | $938 |
| Highest | Louisiana Farm Bureau | $1,123 | $13,482 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 44%, with annual average rates ranging from $4,301 to $8,343.
| Lowest | Excellent | $358 | $4,301 |
| Highest | Poor | $695 | $8,343 |
How Much Does Claims History Affect Home Insurance Costs?
In Louisiana, claims history has a smaller impact on cost than other factors. Depending on your claims history, rates can be affected by up to 11% or $1,213 annually. Filing more claims increases perceived risk, leading to higher premiums.
| Lowest | Claim free for 5+ years | $397 | $4,761 |
| Highest | 2 claims in past 5 years | $498 | $5,974 |
Tips to Save on Louisiana Home Insurance
Especially with high costs in Louisiana, you need to find ways to save on premiums to buy a home or cut expenses for your current home. Below are some tips to help you find the best and cheapest home insurance in Louisiana.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, you should also consider if you need add-ons to protect any additional items you own.
- 2
Research Costs and Discounts Beforehand
To know whether you’re actually getting a good deal, you’ll need to understand average costs for you and your home specifically. Also, be sure to ask about all home insurance discounts with agents since insurers are not required to apply some of their reductions unless you ask them for home policies.
- 3
Compare Multiple Providers Through Different Avenues
Once you are armed with research, compare multiple insurers apples to apples for the coverage you want. We also recommend using multiple different avenues, such as online comparison sites, brokers, provider websites, and provider agents, since quotes will vary widely between each method.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance in Louisiana can help you save on both policies annually.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
If traditional insurers deny you, Louisiana offers the TFPA policy to insure you. While TFPA plans don’t offer the same amount of coverage you get with traditional policies, it does satisfy mortgage requirements.
Louisiana Home Insurance Calculator: Bottom Line
Home insurance costs depend on several factors, with location and coverage level being the most important. To secure the best rates, research your needs and average prices, then use our estimate tool to find the best deal.
Homeowners Insurance Calculator Louisiana: FAQ
The cost of homeowners insurance in Louisiana depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions about home insurance in the state.
How much does homeowners insurance cost in Louisiana?
Louisiana's average monthly home insurance cost is $419 for a dwelling coverage of $250,000. However, your rate will depend on factors like your credit score, liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250,000, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level, and provider. Your credit score and home details also play a crucial role.
How We Determined Our Louisiana Home Insurance Estimates
When determining the average cost of home insurance in Louisiana, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home built year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.