Best home insurance company in Louisiana: Farmers
The best home insurance company in Louisiana for 2026 is Allstate. Farmers, Louisiana Farm Bureau, and State Farm round out the top three best insurance companies.
We ranked carriers based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance company in Louisiana: Farmers
Farmers is the cheapest home insurance company in Louisiana for all coverage levels. At $3,589 per year, Allstate offers the most affordable home insurance for $300,000 dwelling coverage, one of the most preferred coverage limits.
Below are Louisiana home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $2,607 | $3,589 | $4,602 | $6,696 | $10,321 |
| Farmers | $3,552 | $5,107 | $6,996 | $11,640 | $19,991 |
| Louisiana Farm Bureau | $5,543 | $7,160 | $8,576 | $11,085 | $15,583 |
| Shelter Insurance | $6,851 | $9,494 | $12,264 | $17,943 | $23,107 |
| Southern Farm Bureau | $5,543 | $7,160 | $8,576 | $11,085 | $15,583 |
| State Farm | $6,662 | $9,088 | $11,318 | $15,387 | $21,900 |
| Armed Forces Insurance | $2,489 | $3,467 | $4,326 | $5,936 | $9,430 |
| USAA | $2,162 | $3,094 | $4,016 | $5,882 | $9,639 |
*USAA only provides coverage to military members, veterans and their families.
What is the average cost of homeowners insurance in Louisiana?
The average cost of homeowners insurance in Louisiana is $5,185 a year or $432 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
- 2% hurricane deductible
Rates vary widely, however, depending on where you live and other factors, including the insurance company you choose. That's why shopping around matters.
Louisiana home insurance rates by ZIP code: Estimate your rate
Home insurance rates can vary widely depending on where the home is located. The tool below will help you compare rates in your area.
Enter your ZIP code and desired coverage level in the search box to see that area's average home insurance rate. You will also see the highest and lowest premiums from major home insurers. Comparing home insurance rates will give you an idea of how much you can save.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The Louisiana Department of Insurance says...
Named storm and hurricane deductibles typically run 2% to 5% of the insured property value. If a home has an insured value of $200,000 with a 5% hurricane deductible, the policyholder would pay $10,000 out of pocket before insurance coverage took effect. Details of these deductibles are listed on the declarations page of your policy.
- The Louisiana Department of InsuranceWhat are the most expensive ZIP codes in Louisiana for home insurance?
Louisiana homeowners insurance rates are the most expensive for ZIP code 70041 with an average annual cost of $13,512.
The most expensive ZIP codes in Louisiana are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Buras | 70041 | $13,512 |
| Grand Isle | 70358 | $13,351 |
| Venice | 70091 | $12,469 |
| Dulac | 70353 | $12,280 |
| Chauvin | 70344 | $12,081 |
| Golden Meadow | 70357 | $11,676 |
| Port Sulphur | 70083 | $11,574 |
| Montegut | 70377 | $11,441 |
| Galliano | 70354 | $11,274 |
| Cut Off | 70345 | $11,270 |
What are the cheapest? ZIP codes in Louisiana for home insurance
At $3,496 a year, ZIP code 71040 (Homer) is the cheapest ZIP code for homeowner's insurance in Louisiana.
The cheapest ZIP codes for home insurance in Louisiana are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Homer | 71040 | $3,496 |
| Athens | 71003 | $3,519 |
| Haynesville | 71038 | $3,521 |
| Lisbon | 71048 | $3,538 |
| Minden | 71055 | $3,608 |
| Ruston | 71270 | $3,609 |
| Ruston | 71272 | $3,610 |
| Simsboro | 71275 | $3,620 |
| Quitman | 71268 | $3,633 |
| Sarepta | 71071 | $3,637 |
Louisiana homeowners insurance rates by county
At $7,301, Houma Parish has the highest home insurance rates in Louisiana. Claiborne is the cheapest at an average of $3,606.
Take a look at the average rates by parish in Louisiana below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Acadia | $5,547 | $462 |
| Allen | $4,478 | $373 |
| Ascension | $4,970 | $414 |
| Assumption | $5,936 | $495 |
| Avoyelles | $4,248 | $354 |
| Beauregard | $4,505 | $375 |
| Bienville | $3,769 | $314 |
| Bossier | $3,815 | $318 |
| Caddo | $3,818 | $318 |
| Calcasieu | $5,617 | $468 |
| Caldwell | $4,029 | $336 |
| Cameron | $10,148 | $846 |
| Catahoula | $3,939 | $328 |
| Claiborne | $3,606 | $300 |
| Concordia | $3,937 | $328 |
| De Soto | $3,821 | $318 |
| East Baton Rouge | $4,666 | $389 |
| East Carroll | $3,969 | $331 |
| East Feliciana | $4,319 | $360 |
| Evangeline | $4,527 | $377 |
| Franklin | $3,977 | $331 |
| Grant | $3,884 | $324 |
| Iberia | $6,297 | $525 |
| Iberville | $4,990 | $416 |
| Jackson | $3,647 | $304 |
| Jefferson | $8,757 | $730 |
| Jefferson Davis | $5,497 | $458 |
| La Salle | $3,935 | $328 |
| Lafayette | $5,388 | $449 |
| Lafourche | $8,817 | $735 |
| Lincoln | $3,639 | $303 |
| Livingston | $4,722 | $393 |
| Madison | $3,892 | $324 |
| Morehouse | $3,997 | $333 |
| Natchitoches | $4,047 | $337 |
| Orleans | $8,051 | $671 |
| Ouachita | $3,844 | $320 |
| Plaquemines | $9,911 | $826 |
| Pointe Coupee | $4,635 | $386 |
| Rapides | $3,916 | $326 |
| Red River | $3,974 | $331 |
| Richland | $3,955 | $330 |
| Sabine | $3,980 | $332 |
| St. Bernard | $10,050 | $837 |
| St. Charles | $7,190 | $599 |
| St. Helena | $4,652 | $388 |
| St. James | $5,630 | $469 |
| St. John The Baptist | $5,602 | $467 |
| St. Landry | $4,558 | $380 |
| St. Martin | $5,570 | $464 |
| St. Mary | $6,923 | $577 |
| St. Tammany | $5,889 | $491 |
| Tangipahoa | $4,792 | $399 |
| Tensas | $3,835 | $320 |
| Terrebonne | $8,586 | $716 |
| Union | $3,827 | $319 |
| Vermilion | $7,017 | $585 |
| Vernon | $3,980 | $332 |
| Washington | $4,728 | $394 |
| Webster | $3,666 | $306 |
| West Baton Rouge | $4,822 | $402 |
| West Carroll | $3,971 | $331 |
| West Feliciana | $4,435 | $370 |
| Winn | $3,904 | $325 |
Compare homeowners insurance rates by city in Louisiana
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Louisiana.
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: Louisiana home insurance
Do I need flood insurance in Louisiana?
Buying flood insurance if you live in Louisiana is wise, as homeowners insurance does not cover floods. Instead, you need to purchase a separate flood insurance policy.
The federal government underwrites most flood insurance policies in the U.S. under the National Flood Insurance Program. However, a handful of private insurers also offer flood policies.
Do I need windstorm insurance in Louisiana?
Hurricanes are a potential threat every year in Louisiana.
Louisiana is one of 19 states (plus the District of Columbia) with what is known as a "hurricane deductible." Also called a "percentage deductible," it differs from traditional types of deductibles and is potentially much costlier for the policyholder.
If you live near the coast, your homeowners policy likely excludes damage from windstorms and hurricanes entirely. It’s highly advised that you add this coverage to your policy.
What can I do if I can't get homeowners insurance in Louisiana?
Some property owners in Louisiana might find it difficult to secure homeowners insurance coverage in the private market. The Louisiana Citizens Property Insurance Corp. is the insurer of last resort in the state and offers policies to those who cannot get coverage elsewhere.
Where do I file a complaint against a Louisiana home insurance company?
If you have a dispute with your insurer, you can turn to the Louisiana Department of Insurance (LDI) for help. The department can investigate your complaint against an insurer, agent or adjuster.
The LDI also can help provide you with consumer information and, if necessary, enforce Louisiana insurance laws. Among other things, the department can help with questions about:
- Cancellation of a policy
- Nonrenewal of a policy
- Premiums you are being charged
- Unsatisfactory settlement of a claim
Compare Louisiana homeowners insurance rates with other states
