Best and Cheapest Home Insurance Companies in Louisiana (2026)
State Farm typically has the cheapest home insurance quotes in Louisiana, at $953/yr, on average. | ||
Homeowners insurance in Louisiana costs an average of $2,542/yr, which is 6% higher than the national average. | ||
People living along the Gulf Coast tend to pay much more for home insurance, with average rates as high as $5,115/yr. |
State Farm typically has the cheapest home insurance quotes in Louisiana, at $953/yr, on average. | ||
Home insurance in Louisiana costs an average of $2,542/yr. But people living near the Gulf Coast could pay more than $5,000/yr. |
Find Cheap Home Insurance Quotes in Louisiana
Who has the best cheap home insurance in Louisiana?
Who has the cheapest homeowners insurance in Louisiana?
State Farm and Allstate offer the cheapest home insurance quotes in Louisiana.
Find Cheap Home Insurance Quotes in Louisiana
- State Farm has the cheapest home insurance for most people. It typically costs between 58% and 75% less than the Louisiana state average. However, State Farm may not offer home insurance if you live near the Louisiana coast.
- Allstate is the second-cheapest option in Louisiana, with rates that are usually 33% to 45% cheaper than average. While that's much more expensive than State Farm, Allstate typically offers coverage to coastal homes. That makes it the best choice for many people living along the Gulf Coast.
- Shelter also tends to have cheaper-than-average home insurance in Louisiana, and its customer service reviews are excellent. But it's much more expensive than State Farm.
Cheapest home insurance quotes in Louisiana by dwelling coverage
Key takeaways
Best Louisiana home insurance for most people: Allstate
| Editor rating | |
| Annual cost | $1,406 |
| Monthly cost | $117 |
| Customer complaints |
Pros & cons
- Affordable quotes
- Lots of coverage options and discounts
- Offers flood insurance
- Usually offers insurance for coastal homes
- Mediocre customer service
Why is Allstate the best?
Allstate is the best choice for most people in Louisiana because of its affordable rates, helpful coverage and wide availability.
Allstate's rates are typically the second cheapest in Louisiana, and the company offers lots of discounts to help lower your insurance bill. Some are very easy to get, including a welcome discount when you switch to Allstate, or an early signing discount for buying a policy one week before your current coverage ends.
How much is Allstate insurance in Louisiana?
Dwelling coverage limit | Annual rate | % from state avg. |
|---|---|---|
| $200,000 | $1,057 | 33% cheaper |
| $350,000 | $1,406 | 45% cheaper |
| $500,000 | $2,022 | 44% cheaper |
| $1 million | $4,078 | 45% cheaper |
One benefit of choosing Allstate is its wide range of coverage options.
For example, Allstate offers flood insurance through either the National Flood Insurance Program (NFIP) or Allstate's subsidiary, Beyond Floods. This is helpful if a major storm causes both wind and water damage because you won't need to file claims with two separate companies. In addition, people with expensive homes or belongings can get more coverage than NFIP offers.
Potential issues
Allstate's customer service reviews are mixed.
- The company earned below-average scores on J.D. Power's customer satisfaction and claims satisfaction surveys.
- But Allstate's largest subsidiary in Louisiana gets an average number of complaints for a company its size.
So, while you probably won't have a terrible experience with Allstate, it's likely you can get better customer service elsewhere.
Cheapest home insurance in Louisiana: State Farm
| Editor rating | |
| Annual cost | $953 |
| Monthly cost | $79 |
| Customer complaints |
Pros & cons
- Lowest rates in Louisiana
- Cheapest quotes in New Orleans and Baton Rouge
- Mixed customer service reviews
- Few coverage options and discounts
- May not offer coverage if you live very close to the coast
Why is State Farm the best?
State Farm has the cheapest rates for most people in Louisiana, making it the best choice for price-conscious homeowners.
How much is State Farm insurance in Louisiana?
Dwelling coverage limit | Annual rate | % from state avg. |
|---|---|---|
| $200,000 | $673 | 58% cheaper |
| $350,000 | $953 | 63% cheaper |
| $500,000 | $1,192 | 67% cheaper |
| $1 million | $1,850 | 75% cheaper |
State Farm often has the lowest rates in Baton Rouge and New Orleans as well, though it might be harder to get coverage in coastal and flood-prone areas.
City | State Farm rate | % from avg. |
|---|---|---|
| Baton Rouge | $927 | 60% cheaper |
| New Orleans | $828 | 79% cheaper |
Rates are for a policy with $350,000 of dwelling coverage.
Potential issues
The biggest downside to State Farm is that it may not be available to everyone in Louisiana. The company doesn't typically offer policies to coastal homes. So people in parts of New Orleans, Lake Charles or Slidell may not be able to get coverage from State Farm.
In addition, it's hard to predict how your experience with State Farm will be if your home is damaged.
While the company earned a good score on J.D. Power's customer satisfaction survey, it scored below average on the claims satisfaction survey. And State Farm gets about 23% more customer complaints than an average company its size. Most complaints are about State Farm's lengthy claims process and low settlement offers. That means it could take longer to fix your home, and you may have to pay more for repairs.
Best customer service in Louisiana: Shelter
| Editor rating | |
| Annual cost | $2,382 |
| Monthly cost | $199 |
| Customer complaints |
Pros & cons
- Very few customer complaints
- Basic policy includes extra coverage
- Helpful add-ons for waterfront homes
- Not the cheapest option
- Few discounts
Why is Shelter the best?
Shelter has the best customer service in Louisiana, along with useful coverage options.
Shelter typically has an easy, fast claims process if your home or belongings are damaged. The company gets 70% fewer complaints than an average insurance company of its size. That's the best complaint score in the state among major, widely available insurance companies.
In addition, Shelter's basic home insurance policy includes credit card fraud and check forgery coverage at no additional cost. Most insurance companies offer this coverage for an extra fee.
Shelter is an especially great choice for homes on the water.
That's because you can add docks and pier coverage to your home insurance policy. It also offers watercraft activity protection, which covers medical bills and liability costs for some watercraft activities.
Potential issues
Shelter's home insurance rates tend to be lower than average, but it's not the cheapest company in Louisiana. Home insurance from Shelter costs 3% to 16% less than the Louisiana state average, depending on how much coverage you need.
However, it's much more expensive than the cheapest option, State Farm. And Shelter only offers a few home insurance discounts to help lower your bill. So, it's unlikely that Shelter will be the absolute cheapest option for most Louisiana homeowners.
Best Louisiana homeowners insurance companies
Allstate is the best-rated home insurance company in Louisiana.
That's because Allstate offers the best combination of affordable rates, useful coverage add-ons and helpful discounts. However, it doesn't have the best customer service in the state.
Shelter is an excellent choice for homeowners who value great service. It has very few customer complaints and affordable home insurance rates.
Top-rated Louisiana insurance companies
Company |
Rating
|
Complaints
|
|---|---|---|
| Allstate | Average | |
| Shelter | Low | |
| State Farm | Average | |
| USAA | Low | |
| Farmers | Average |
How much is homeowners insurance in Louisiana?
The average cost of homeowners insurance in Louisiana is $2,542 per year.
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $1,588 |
| $350,000 | $2,542 |
| $500,000 | $3,607 |
| $1 million | $7,361 |
Louisiana home insurance is just 6% more expensive than the national average of $2,395 per year.
Louisiana has much less expensive home insurance than other Gulf Coast states. Home insurance costs much more in Texas, Alabama, Florida and Mississippi, where average rates range from $2,691 to $3,969 per year.
How much is homeowners insurance in New Orleans?
New Orleans home insurance costs an average of $4,037 per year, which is 59% more expensive than the Louisiana average. This is likely due to New Orleans' location near the Gulf Coast, where homes are at a high risk of damage from coastal storms and hurricanes.
Louisiana home insurance rates by city
Chase, a small community in northeastern Louisiana, has the cheapest home insurance quotes in the state.
A policy in Chase costs around $1,805 per year for $350,000 of dwelling coverage.
Creole, a community near Rutherford Beach, has the most expensive quotes in the state. Homeowners in Creole pay an average of $5,115 per year for insurance. That's likely because of its proximity to the Gulf Coast, which makes homes in Creole a high risk for coastal storm and hurricane damage.
State Farm has the cheapest home insurance rates in 93% of cities and towns across Louisiana. Allstate is the cheapest company in the rest of the state, most of which is the Acadiana region of south-central Louisiana.
Find Cheap Home Insurance Quotes in Louisiana
Average home insurance cost in Louisiana by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Abbeville | $3,247 | State Farm | $853 |
| Abita Springs | $2,428 | State Farm | $898 |
| Acme | $1,879 | State Farm | $913 |
| Addis | $2,396 | State Farm | $956 |
| Aimwell | $1,933 | State Farm | $1,194 |
Rates are for a policy with $350,000 of dwelling coverage.
What home insurance coverage do I need in Louisiana?
Louisiana's history of coastal flooding, hurricanes and tropical storms, 30 since 2015, makes flood insurance a necessity for most homeowners in the state.
Your home insurance policy won't protect you from flood damage. But it does protect you from other types of damage caused by hurricanes, including wind.
Does homeowners insurance in Louisiana cover hurricanes?
Home insurance typically covers some types of hurricane damage, such as wind and hail.
However, it doesn't usually protect against flood damage.
Coastal homes may have to pay a separate deductible for hurricane damage. Your hurricane deductible is usually between 2% and 5% of your dwelling coverage limit.
Does Louisiana home insurance cover wind damage from a hurricane?
Most home insurance policies cover wind damage, but some add a separate deductible for hurricane damage.
Insurance companies may not offer wind insurance to homes with a very high risk of wind damage, such as those directly on the coast. If you can't find a company that offers home insurance with wind protection, you may need to buy a separate windstorm policy.
Wind causes the greatest amount of damage to Louisiana homes. In fact, Louisiana was one of the top five states for wind damage between 2018 and 2024. So it's extremely important to make sure your home insurance policy covers wind damage.
Does home insurance in Louisiana cover flooding?
Standard home insurance doesn't cover flood damage.
But mortgage lenders typically require you to have a separate flood insurance policy if your home is in a special flood hazard area (SFHA).
Homes in Louisiana have a higher chance of flood and hurricane damage because of the state's proximity to the Gulf Coast and the Mississippi River, along with its low elevation. In fact, 51% of the state is in a special flood hazard area (SFHA).
If you want flood protection in Louisiana, you have to .
Flooding causes major damage to Louisiana homes almost every year. The National Flood Insurance Program (NFIP) paid nearly $1.3 billion in flood insurance claims in Louisiana between 2020 and 2025. That's about 7% of the total cost of flood claims across the whole U.S. during that time period.
The average claim in Louisiana was more than $61,728 between 2020 and 2025, which is significantly higher than in neighboring Texas ($50,903) or Mississippi ($29,241).
How to find the best homeowners insurance in Louisiana
The best home insurance in Louisiana combines affordable rates with reliable customer service and useful protection. To find the best company for you, start by figuring out how much coverage you need. Then, shop for quotes from multiple companies and look at customer service reviews for your top choices.
Decide how much home insurance you need. Most home insurance policies include the same basic coverage. However, some companies offer add-ons that could be helpful, depending on your situation.
For example, Allstate offers a program called HostAdvantage if you use your home as a short-term rental or Airbnb. It also sells flood insurance, which can be important for many Louisiana homeowners.
Compare quotes from multiple companies. There's a difference of over $3,000 per year between the most and least expensive companies in Louisiana.
In addition, each company calculates home insurance rates differently. Companies consider your home's location and building materials, along with your insurance history. For that reason, the cheapest company for your family, friends and neighbors may be different from the best choice for you.
Consider customer service scores. It's important to choose a company you can count on to take care of you in an emergency. Companies with great service typically have a stress-free claims process and help get your home fixed quickly.
On the other hand, poor customer service can mean more back-and-forth with the insurance company. And you could end up paying more for repairs.
Start by reviewing our ValuePenguin editor's ratings, which consider customer service ratings, complaints, coverage availability and overall value.
If you want to do more research, you can look up the J.D. Power Home Insurance Study. Another option is to view customer complaints via the National Association of Insurance Commissioners (NAIC) complaint index.
Rising Louisiana home insurance costs
Home insurance prices have gone up by nearly 47% in Louisiana over the last five years, which is very close to the national average of 48%.
Louisiana homeowners saw a major jump in their home insurance prices in 2023, with an increase of over 14%. This was followed by smaller jumps of around 9% in 2024 and 6% in 2025.
Home insurance rate hikes in Louisiana, 2021-2025
Year | Rate increase |
|---|---|
| 2021 | 3.23% |
| 2022 | 5.90% |
| 2023 | 14.65% |
| 2024 | 9.12% |
| 2025 | 6.07% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
USAA had the lowest rate increase in Louisiana between 2021 and 2025, at just 11.4%.
Three companies saw very steep increases over the same period, with Louisiana Farm Bureau (up 141.0%), Progressive (111.6%) and Farmers (111.3%) more than doubling their home insurance rates.
Frequently asked questions
What is the average cost of homeowners insurance in Louisiana?
The average cost of homeowners insurance in Louisiana is $2,542 per year, or $212 per month. That's 6% higher than the national average of $2,395 per year.
What is the cheapest home insurance in Louisiana?
State Farm offers the cheapest home insurance in Louisiana. The average rate is $953 per year, which is 63% cheaper than the state average.
Which company has the best home insurance in Louisiana?
Allstate has the best home insurance in Louisiana because of its cheap rates, good discounts and helpful coverage add-ons. In addition, Allstate offers flood insurance. This is very helpful for Louisiana homeowners, as about 51% of the state is so flood-prone it's considered a special flood hazard area (SFHA) and flood insurance is required.
Why is home insurance so high in Louisiana?
Louisiana home insurance can be expensive due to the high risk of weather-related damage across the state. Coastal cities are particularly at risk of wind damage from tropical storms and hurricanes. Louisiana also has the fifth-highest property crime rate in the U.S., which means there's a greater chance of theft and vandalism claims.
How much is home insurance in Baton Rouge, Louisiana?
Home insurance in Baton Rouge costs an average of $2,320 per year. That's 9% less than the Louisiana average. Homeowners in Baton Rouge can find the cheapest insurance at State Farm, where a policy with $350,000 of dwelling coverage costs around $927 per month.
Methodology
To find the best cheap home insurance in LA, ValuePenguin collected home insurance quotes for every ZIP code across the state of Louisiana from the state's largest home insurance companies. Rates are for a 45-year-old married man with no history of insurance claims and a good credit score. Quotes are for a 1,955 square foot home built 44 years ago, based on the average home age and size in Louisiana.
Quotes include the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
ValuePenguin ranked each company's customer service by comparing the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power's home insurance customer satisfaction rankings and our ValuePenguin editor's ratings.
Sources:
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
