How to Compare Home Insurance Quotes
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Best Homeowners Insurance in Louisiana

Updated on:
Content was accurate at the time of publication.

Best overall home insurance in Louisiana: State Farm

4 star

873 (above average)

1.69 (poor)

$1,274

State Farm is the cheapest home insurance company in Louisiana, charging an average rate of $1,274 a year. It also has a great overall satisfaction rating with property claims, according to J.D. Power’s 2024 Property Claims Satisfaction Study.

Pros

+

Cheapest average rate for most homeowners
High property claims satisfaction rating

Cons

+

Below-average complaint index rating
Low number of home insurance discounts

State Farm has the best homeowners insurance rates in Louisiana, at an average of $1,274 a year.

Hanover is the home insurance company with the best complaint index rating, and USAA is the best company for members of the Armed Forces.

Best cheap home insurance companies in Louisiana

$1,274/year
Cheapest rates: State Farm
State Farm logo
$3,962/year
Best for discounts: Allstate
Allstate logo
$3,589/year
Best for military families: USAA
USAA logo
+
More Options

Find the Cheapest Home Insurance Quotes in Louisiana

State Farm has the cheapest home insurance for most homeowners in Louisiana, with an average annual rate of $1,274. Progressive is the second-cheapest option at $1,865 a month.

For comparison, the average rate for home insurance in Louisiana is $4,033 a year.

Cheapest home insurance companies in Louisiana

CompanyAverage annual rateLendingTree score
state farm logoState Farm$1,274
4 stars
progressive logoProgressive$1,865
4 stars
shelter logoShelter$3,084Not rated
allstate logoAllstate$3,962
4 stars
Hanover logoHanover$5,769Not rated
Farmers logoFarmers$8,708
3.5 stars
usaa logoUSAA*$3,5894 stars

State Farm, Allstate, Hanover and USAA are the best home insurance companies in Louisiana.

CompanyAnnual rateOverall satisfaction (higher is better)Complaint index (lower is better)
Best overall: State Farm$1,274873 (above average)1.69 (poor)
Best discounts: Allstate$3,962868 (average)3.08 (poor)
Best complaint rating: Hanover$5,772NA0.57 (good)
Best for military: USAA*$3,589899 (above average)2.26 (poor)

Sources: J.D. Power’s 2024 Property Claims Satisfaction Study and 2022 complaint data from the National Association of Insurance Commissioners (NAIC).

Allstate: Best discounts

Allstate’s average annual rate in Louisiana of $3,962 a year is just under the state average, but you may be able to make it cheaper with one or more of the company’s many discounts. These include:

  • Multi-policy discount: Bundling a car or life insurance policy with your home insurance through Allstate can save you up to 20% on your insurance costs.
  • Claim-free discount: If you sign on with Allstate with no recent claims on your record, you could save up to 20%.

ProsCons
 Great discounts Below-average complaint index rating
 Below-average rates in Louisiana No extended replacement cost coverage
 Good overall claim satisfaction
 No banned dog list

Best complaint rating: Hanover

Hanover has the best NAIC Complaint Index rating of the home insurance companies we looked at in Louisiana. It currently stands at 0.57, with the average complaint index being 1.0.

ProsCons
 Great discounts High average premiums
 Good overall complaint index rating

Best for military members: USAA

USAA has policy offerings aimed at active-duty and veteran military members. This includes personal property coverage due to wartime damage, which home insurance doesn’t usually cover.

ProsCons
 Active-duty service members get coverage for military equipment and uniforms You might get a different agent every time you call
 Personal property coverage is at replacement cost Only current and veteran military and their families can buy insurance from USAA
 Excellent overall satisfaction Below-average complaint index rating

Find the Cheapest Home Insurance Quotes in Your Area

The dwelling coverage limit you choose for your home insurance affects your premium. For example, there’s a $1,054 difference between a $350,000 and a $450,000 home insurance policy in Louisiana.

Home insurance cost by dwelling coverage limit

Dwelling limitAverage annual rate
$350,000$3,510
$400,000$4,033
$450,000$4,564

When choosing your dwelling coverage limit, make it equal to the replacement value cost of your house in the event of a total loss. Replacement cost reflects the house by itself, not the ground it’s built on.

The average cost of home insurance in Louisiana is $4,033 a year. This is 44% higher than the national average of $2,801.

A major reason for Louisiana’s high home insurance costs is that a lot of floods impact the state’s homeowners each year.

Several other factors determine what you pay for a home insurance policy, too, including:

  • The age of the house
  • Construction materials
  • ZIP code
  • Your claim history
  • The coverage limits and deductible you choose
  • Discounts you qualify for

Home insurance companies tend to have similar policy offerings, so why the difference in policy costs? This is because home insurance companies weigh risk factors differently. For example, one insurer may see the age of your home as more of a risk than another company, resulting in a higher quote.

To get the coverage you want at the cheapest price, compare home insurance quotes from several companies.

Of Louisiana’s cities, Eastwood has the cheapest average rate for home insurance, at $2,783 a year. Grand Isle has the highest rate, which averages $7,735.

Average rate by city

CityAverage annual rate
Abbeville$4,713
Abita Springs$3,854
Acme$3,037
Addis$3,933
Aimwell$3,004
Akers$4,435
Albany$4,384
Alexandria$2,893
Ama$4,933
Amelia$4,941
Amite City$4,432
Anacoco$3,219
Angie$4,207
Angola$3,688
Arabi$5,658
Arcadia$3,000
Archibald$3,029
Arnaudville$3,968
Ashland$3,230
Athens$2,874
Atlanta$3,253
Avery Island$4,789
Avondale$5,292
Baker$3,876
Baldwin$4,962
Ball$2,892
Banks Springs$3,020
Barataria$5,980
Barksdale AFB$2,818
Basile$3,807
Baskin$3,075
Bastrop$2,966
Batchelor$3,797
Baton Rouge$3,844
Bawcomville$2,956
Bayou Blue$5,285
Bayou Cane$5,372
Bayou Country Club$5,015
Bayou Gauche$4,928
Bayou Goula$4,428
Bayou L'Ourse$4,939
Bayou Vista$4,942
Belcher$2,864
Bell City$4,710
Belle Chasse$6,014
Belle Rose$4,542
Belmont$3,245
Bentley$3,137
Benton$2,795
Bernice$2,958
Berwick$5,248
Bethany$2,787
Bienville$2,996
Blanchard$2,835
Bogalusa$4,248
Bonita$2,984
Boothville$7,022
Bordelonville$3,695
Bossier City$2,784
Bourg$5,505
Boutte$4,912
Boyce$2,902
Braithwaite$6,097
Branch$3,952
Breaux Bridge$4,031
Bridge City$5,294
Brittany$4,077
Broussard$3,940
Brownfields$3,916
Brownsville$2,951
Brusly$3,950
Bunkie$3,671
Buras$7,011
Burnside$4,210
Bush$3,894
Cade$4,079
Calhoun$2,965
Calvin$3,258
Cameron$5,604
Campti$3,254
Cankton$3,914
Carencro$3,912
Carlyss$4,518
Carville$4,343
Castor$2,951
Catahoula$4,087
Cecilia$4,037
Center Point$3,702
Centerville$5,039
Central$3,828
Chackbay$5,025
Chalmette$5,678
Charenton$4,778
Chase$3,022
Chataignier$3,748
Chatham$3,017
Chauvin$6,344
Cheneyville$2,944
Choudrant$2,912
Church Point$4,030
Claiborne$2,961
Clarence$3,231
Clarks$3,057
Clayton$2,990
Clinton$3,790
Cloutierville$3,260
Colfax$3,139
Collinston$2,937
Columbia$3,021
Convent$4,336
Converse$3,274
Cotton Valley$3,008
Cottonport$3,727
Coushatta$3,284
Covington$3,988
Creole$6,907
Crowley$4,083
Crowville$3,046
Cullen$3,005
Cut Off$6,347
Darrow$4,297
Delcambre$4,762
Delhi$3,062
Delta$2,967
Denham Springs$4,027
Dequincy$4,388
Deridder$3,931
Des Allemands$4,927
Destrehan$4,934
Deville$2,920
Dodson$3,248
Donaldsonville$4,309
Donner$5,433
Downsville$2,953
Doyline$2,983
Dry Creek$4,075
Dry Prong$3,091
Dubach$2,906
Dubberly$2,980
Dulac$7,319
Duplessis$4,201
Dupont$3,703
Duson$4,012
Eastwood$2,783
Echo$2,907
Eden Isle$4,323
Edgard$4,676
Effie$3,697
Egan$3,958
Elizabeth$4,414
Elm Grove$2,812
Elmer$2,888
Elmwood$5,686
Elton$3,900
Empire$7,018
Enterprise$2,996
Epps$3,064
Erath$4,717
Eros$2,917
Erwinville$3,935
Estelle$5,228
Estherwood$4,088
Ethel$3,795
Eunice$3,807
Evangeline$3,945
Evans$3,212
Evergreen$3,705
Fairbanks$2,929
Farmerville$2,896
Fenton$3,909
Ferriday$3,035
Fisher$3,237
Flatwoods$2,878
Flora$3,223
Florien$3,281
Fluker$4,355
Folsom$3,784
Fordoche$3,905
Forest$3,009
Forest Hill$2,915
Fort Jesup$3,259
Fort Necessity$3,051
Fort Polk$3,235
Fort Polk North$3,236
Fort Polk South$3,230
Franklin$4,963
Franklinton$4,207
French Settlement$4,423
Frierson$3,238
Galliano$6,532
Garden City$4,985
Gardere$3,806
Gardner$2,888
Garyville$4,469
Geismar$4,169
Georgetown$3,129
Gheens$5,027
Gibsland$2,988
Gibson$5,485
Gilbert$3,093
Gilliam$2,885
Glenmora$2,928
Gloster$3,216
Glynn$3,809
Golden Meadow$7,335
Goldonna$3,251
Gonzales$4,185
Gorum$3,227
Grambling$2,894
Gramercy$4,324
Grand Cane$3,250
Grand Chenier$5,344
Grand Coteau$3,922
Grand Isle$7,735
Grand Point$4,542
Grant$4,415
Gray$5,402
Grayson$3,105
Greensburg$4,378
Greenwell Springs$3,839
Greenwood$2,811
Gretna$5,320
Grosse Tete$4,039
Gueydan$4,761
Hackberry$6,059
Hahnville$4,927
Hall Summit$3,245
Hamburg$3,696
Hammond$4,386
Harahan$5,561
Harrisonburg$3,034
Harvey$5,318
Haughton$2,785
Hayes$4,689
Haynesville$2,878
Heflin$2,984
Hessmer$3,714
Hester$4,541
Hineston$2,908
Hodge$3,010
Holden$4,388
Homer$2,865
Hornbeck$3,236
Hosston$2,821
Houma$5,379
Husser$4,383
Ida$2,853
Independence$4,396
Innis$3,787
Inniswold$3,791
Iota$3,938
Iowa$4,474
Jackson$3,796
Jamestown$2,987
Jarreau$3,843
Jeanerette$4,789
Jefferson$5,802
Jena$3,104
Jennings$4,024
Jigger$3,038
Jones$2,934
Jonesboro$3,006
Jonesville$3,038
Joyce$3,186
Kaplan$4,722
Keatchie$3,257
Keithville$2,797
Kelly$3,051
Kenner$6,352
Kentwood$4,400
Kilbourne$3,017
Killian$4,508
Kinder$4,461
Kraemer$5,024
Krotz Springs$3,865
Kurthwood$3,184
La Place$5,187
Labadieville$4,609
Lacassine$4,590
Lacombe$4,608
Lafayette$3,976
Lafitte$6,666
Lafourche Crossing$5,012
Lake Arthur$4,599
Lake Charles$4,497
Lake Providence$3,052
Lakeland$3,922
Lakeshore$2,960
Lakeview$2,833
Laplace$5,174
Larose$5,556
Lawtell$3,783
Lebeau$3,750
Leblanc$4,406
Lecompte$2,930
Leesville$3,216
Lena$2,919
Leonville$3,787
Lettsworth$3,674
Libuse$2,886
Lillie$2,969
Lisbon$2,892
Livingston$4,374
Livonia$3,918
Lockport$5,249
Lockport Heights$5,246
Logansport$3,258
Longleaf$2,900
Longstreet$3,223
Longville$4,113
Loranger$4,401
Loreauville$4,521
Lottie$3,900
Luling$4,931
Lutcher$4,342
Lydia$4,770
Madisonville$4,372
Mamou$3,767
Mandeville$4,400
Mangham$3,073
Mansfield$3,264
Mansura$3,723
Many$3,277
Maringouin$3,962
Marion$2,900
Marksville$3,702
Marrero$5,232
Marthaville$3,260
Martin$3,290
Mathews$5,066
Maurepas$4,445
Maurice$4,098
Melrose$3,238
Melville$3,861
Mer Rouge$2,991
Meraux$5,910
Mermentau$4,093
Merrydale$3,905
Merryville$4,100
Metairie$6,199
Midway$3,103
Milton$3,966
Minden$2,968
Minorca$3,042
Mittie$4,367
Monroe$2,956
Montegut$6,350
Monterey$3,078
Montgomery$3,133
Monticello$3,875
Montz$5,180
Mooringsport$2,831
Mora$3,001
Moreauville$3,721
Morgan City$4,978
Morganza$3,826
Morrow$3,764
Morse$4,354
Moss Bluff$4,294
Mount Airy$4,492
Mount Hermon$4,157
Napoleonville$4,390
Natalbany$4,384
Natchez$3,238
Natchitoches$3,261
Negreet$3,242
New Iberia$4,764
New Llano$3,231
New Orleans$5,962
New Roads$3,718
New Sarpy$4,935
Newellton$3,021
Noble$3,271
Norco$4,935
North Hodge$3,070
North Vacherie$4,360
Norwood$3,746
Oak Grove$3,054
Oak Hills Place$3,803
Oak Ridge$3,024
Oakdale$4,236
Oberlin$4,430
Oil City$2,878
Old Jefferson$3,809
Olla$3,100
Opelousas$3,779
Oscar$3,785
Ossun$3,980
Otis$2,889
Paincourtville$4,395
Palmetto$3,750
Paradis$4,722
Patterson$5,254
Paulina$4,542
Pearl River$4,220
Pelican$3,126
Perry$4,741
Pierre Part$4,584
Pilottown$6,189
Pine Grove$4,372
Pine Prairie$3,748
Pineville$2,959
Pioneer$3,060
Pitkin$3,254
Plain Dealing$2,848
Plaquemine$4,134
Plattenville$4,547
Plaucheville$3,720
Pleasant Hill$3,270
Point Place$3,259
Pointe A La Hache$6,375
Pollock$3,141
Ponchatoula$4,434
Port Allen$3,928
Port Barre$3,754
Port Sulphur$7,022
Powhatan$3,231
Poydras$5,862
Prairieville$3,954
Presquille$5,498
Pride$3,831
Prien$4,255
Princeton$2,798
Provencal$3,262
Quitman$3,030
Raceland$5,053
Ragley$4,143
Rayne$3,979
Rayville$3,065
Red Chute$2,783
Reddell$3,759
Reeves$4,424
Reserve$4,663
Rhinehart$3,028
Richmond$2,988
Richwood$2,976
Ringgold$2,983
River Ridge$5,564
Roanoke$4,047
Robeline$3,252
Robert$4,391
Rodessa$2,892
Rosedale$4,025
Roseland$4,380
Rosepine$3,203
Rougon$3,927
Ruby$2,947
Ruston$2,867
Saline$2,927
Sarepta$2,999
Schriever$5,394
Scott$3,984
Shenandoah$3,806
Shongaloo$3,001
Shreveport$2,911
Sibley$2,985
Sicily Island$3,034
Sieper$2,886
Sikes$3,256
Simmesport$3,719
Simpson$3,208
Simsboro$2,895
Singer$4,103
Slagle$3,184
Slaughter$3,834
Slidell$4,460
Sondheimer$3,032
Sorrel$4,808
Sorrento$4,196
South Vacherie$4,353
Spearsville$2,892
Spokane$3,036
Springfield$4,507
Springhill$3,006
St. Amant$4,108
St. Benedict$3,937
St. Bernard$5,856
St. Francisville$3,670
St. Gabriel$4,122
St. James$4,527
St. Joseph$3,023
St. Landry$3,733
St. Martinville$4,081
St. Maurice$3,123
St. Rose$4,908
Stanley$3,256
Starks$4,361
Start$3,025
Sterlington$2,992
Stonewall$3,236
Sugartown$4,064
Sulphur$4,556
Summerfield$2,851
Sun$3,772
Sunset$3,913
Sunshine$4,135
Supreme$4,387
Swartz$2,959
Talisheek$3,892
Tallulah$2,995
Tangipahoa$4,321
Taylor$2,967
Terrytown$5,326
Theriot$6,209
Thibodaux$5,026
Tickfaw$4,387
Timberlane$5,322
Tioga$2,945
Transylvania$3,069
Triumph$7,004
Trout$3,105
Tullos$3,063
Tunica$3,653
Turkey Creek$3,748
Uncle Sam$4,371
Union$4,343
Urania$3,105
Vacherie$4,351
Varnado$4,182
Venice$7,020
Ventress$3,828
Vidalia$3,027
Village St. George$3,800
Ville Platte$3,756
Vinton$4,739
Violet$5,953
Vivian$2,885
Waggaman$5,296
Wakefield$3,653
Walker$4,315
Washington$3,755
Waterproof$3,023
Watson$4,283
Welcome$4,515
Welsh$4,077
West Monroe$2,962
Westlake$4,559
Westminster$3,794
Westwego$5,293
Weyanoke$3,653
White Castle$4,424
Wildsville$2,948
Wilson$3,814
Winnfield$3,255
Winnsboro$3,081
Wisner$3,093
Woodmere$5,321
Woodworth$2,921
Youngsville$4,032
Zachary$3,797
Zwolle$3,271

Flood insurance isn’t legally required in Louisiana. However, if you financed your home and live in a Federal Emergency Management Agency or FEMA-designated high-risk flood zone, your lender will likely require you to carry it as part of your mortgage agreement.

Flood damage isn’t covered by any home insurance policy. You can buy it separately, though. The average cost of flood insurance in Louisiana is $814 a year. You can get a policy through insurance companies affiliated with the National Flood Insurance Program (NFIP), or some private insurers in Louisiana.

Methodology

The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Louisiana. The following coverages and deductible were used unless otherwise noted:

  • $400,000 dwelling coverage
  • $40,000 other structures
  • $200,000 personal property
  • $80,000 loss of use coverage
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible

*USAA is only available to active-duty and veteran military members and their families.