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Progressive is the best homeowners insurance company in Louisiana, based on a 2023 analysis by, with an overall rating of 4.6. Allstate is the second-best home insurance company in Louisiana, with an overall rating of 4.5.

Allstate offers the most affordable home insurance in Louisiana for all coverage levels.

With so many options out there, it is not easy to choose a homeowners insurance company in Louisiana. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

Key takeaways

  • The average cost of homeowners insurance in Louisiana is $3,481 a year or $290 a month.
  • The cheapest homeowners insurance company in Louisiana is United Insurance Holdings with an average home insurance rate of $1,347 a year.
  • Progressive ranks as the best homeowners insurance in Louisiana for 2023.

Average home insurance cost in Louisiana

The average cost of homeowners insurance in Louisiana is $3,481 a year or $290 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible.
  • 2% Hurricane deductible

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Louisiana homeowners insurance companies to get the best deal.

Best home insurance companies in Louisiana

The best home insurance company in Louisiana for 2023 is Progressive, followed by Allstate and State Farm

Below is a full list of the top Louisiana insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total score is calculated out of five using these factors.

Best home insurance companies in Louisiana
Insurance companyAM BestAverage annual rateNAIC Complaint score
State FarmA++$2,4951.074.48
LA Farm BureauA-$4,2180.133.63
United Insurance HoldingsA-$1,3476.683.5
FedNat HoldingsA$5,7385.022.52

Cheapest home insurance companies in Louisiana

Below are Louisiana home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see United Insurance Holdings has the most affordable rates in most categories.

Cheapest home insurance rates in Louisiana by coverage level
United Insurance Holdings$957$1,347$1,803$2,161$2,519
State Farm$1,933$2,495$3,044$3,684$4,244
LA Farm Bureau$3,062$4,218$5,833$6,597$7,629
FedNat Holding$5,034$5,738$6,622$5,953$6,711

Louisiana home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Louisiana to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.


Average home insurance rates in CALIFORNIA

94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

The most expensive ZIP codes in Louisiana for home insurance

Louisiana homeowners insurance rates are the most expensive for ZIP code 70128 with an average annual cost of $5,163.

The most expensive ZIP codes in Louisiana are:

ZIP codeAverage annual rates

The least expensive ZIP codes in Louisiana for home insurance

The cheapest ZIP codes for home insurance in Louisiana are:

ZIP codeAverage annual rates

Frequently asked questions about Louisiana home insurance

Do I need flood insurance in Louisiana?

It’s wise to buy flood insurance if you live in Louisiana, as homeowners insurance does not cover floods. Instead, you need to purchase a separate flood insurance policy.

The federal government underwrites the majority of 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

Fill out a complaint form with the LDI.

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.

CityAnnual insurance premium
New Orleans
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