What is the average home insurance cost in Louisiana?

The average homeowners insurance premium in Louisiana is $2,259 a year, based on NAIC average premium data. That is about $188 a month.

How does Louisiana compare with the national average?

At $2,259 a year, Louisiana is $848 above the national average of $1,411, which ranks it #2 of 51 jurisdictions (1 = most expensive).

What do renters pay in Louisiana?

Renters insurance in Louisiana averages $243 a year, compared with $170 nationally. Renters policies cost far less than homeowners policies because they cover personal property, not the structure.

Can I lower my Louisiana home insurance premium?

Yes. The largest single lever is re-shopping at renewal, because insurers price new business differently from renewals. Reviewing your dwelling limit, raising the deductible, and checking any separate wind or hail deductible also move the number.

State Insurance Costs

Louisiana Home Insurance Cost

Home insurance in Louisiana is among the most expensive in the country at $2,259. That is higher (60%) above the national average of $1,411.

$2,259/yearTop 5 most expensive

Average homeowners insurance premium (HO-3 policy) in Louisiana, NAIC data. That works out to roughly $188 a month.

How Louisiana compares

Measure	Value
Average annual premium	$2,259
National average	$1,411
Difference	+$848 (60%)
State rank (1 = most expensive)	#2 of 51
Average renters premium	$243

Why Louisiana's number is what it is

State premiums are driven by things no individual homeowner controls: reconstruction costs in the state's metro areas, the frequency of weather claims, the cost of litigation after a loss, and how much the state has historically allowed insurers to charge. Insurers file rates at the state level and adjust them on a cycle, so a statewide rate increase shows up on your renewal regardless of whether anything about your property changed.

On the auto side, Louisiana also ranks among the ten most expensive states for car insurance, at an average annual expenditure of $1,495 (rank 1 in the published data).

Renters in Louisiana pay an average of $243 a year — higher than the national renters average of $170. Renters insurance is priced far lower than homeowners because it covers personal property rather than the structure.

What you can actually do about it

Re-shop at renewalNew-business pricing differs from renewal pricing. This is the biggest single lever.

Check your dwelling limitRebuild cost, not market value. Over-insured policies are common.

Raise the deductibleMoving from $1,000 to $2,500 lowers premium meaningfully if you can absorb the difference.

Ask about wind/hail deductiblesIn high-catastrophe states these are separate and often percentage-based.

High-cost state. With an average of $2,259 a year, Louisiana is one of five most expensive states in the country. In high-cost states, shopping at every renewal matters more than anywhere else, because insurer appetite shifts fastest where rates are highest.

How to lower your premium — the full checklist
Why insurance premiums rise at all
Auto insurance cost by state

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Louisiana Home Insurance Cost

How Louisiana compares

Why Louisiana's number is what it is

What you can actually do about it

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