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When you rent a house or apartment, your property owner typically has insurance to cover the exterior of the building. But what happens if someone trips and falls into your apartment? The landlord's policy will not cover that. You need renter's insurance for those claims.

Renters insurance coverage can help protect your property from unexpected damage by providing you with low-cost coverage. There are many renters' insurance companies in Louisiana, but not all of them are worth your time. We’ve compared the best renters insurance companies based on their average premium cost and customer service rating to make your job easier.

KEY TAKEAWAYS
  • The average annual premium cost for renters insurance in Louisiana is $579 or $48 a month.
  • The least expensive zip code for renters insurance is 71405, its average rate is $423 annually.
  • ASI Lloyds is the cheapest renters insurance company in Louisiana

Best renters insurance companies in Louisiana

When it comes to choosing the best renters insurance company in Louisiana, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in Louisiana. Below is the list of best renters insurance companies in Louisiana:

  • USAA
  • State Farm
  • Allstate
  • Farmers
  • Liberty Mutual

Compare best renters insurance companies in Louisiana

USAA is our top pick for the best renters insurance company in Louisiana. Its average rate for Louisiana residents is $497 and earned the highest J.D. Power score (893) among the carriers surveyed.

Apart from USAA, you can get Louisiana renters insurance from carriers like State Farm, Allstate, Farmers, Liberty Mutual. All these companies provide cheap insurance rates and they have also earned good scores from J.D. Power.

There are a lot of different options for renters insurance in Louisiana. How do you know which one is the best for you? Compare the average rate and J.D. Power score of the insurance providers mentioned below to find the best renters insurance company for your rented home or apartment.

CompanyJ.D. Power scoreAverage annual rate
USAA893$497
State Farm866$410
Allstate833$633
Farmers831$783
Liberty Mutual823$1,798

How much is renters insurance in Louisiana

The average annual premium cost for renters insurance in Louisiana is $579 or $48 a month. The recommended coverage level for renters insurance is $100,000 for liability protection, $40,000 of personal property coverage, with a $1,000 deductible, based on a rate analysis by Insurance.com.

Although prices differ depending on your location within the state, coverage limits, and value of your belongings. Make sure you compare price quotes from all the major insurance companies to get a standard renters insurance policy.

Average annual premiumAverage monthly premium
$579$48

10 Most expensive zip codes in Louisiana for renters insurance

The cost of renters insurance in Louisiana can vary depending on where you live. There are certain areas that are more prone to theft and higher crime rates that lead to higher renters insurance premiums. The most expensive zip code for renters insurance in Louisiana is 70358, its average annual rate is $1,301---$876 more than the state average ($425).

Below is a list of the 10 most expensive zip codes in Louisiana for renters insurance.

ZIP codeAverage annual rate
70358$1,301
70091$1,228
70083$1,193
70357$1,177
70353$1,161
70354$1,153
70067$1,132
70041$1,122
70631$1,120
70397$1,102

10 Least expensive zip codes in Louisiana for renters insurance

We have gathered quotes from major insurance carriers across all the zip codes and found that the least expensive zip code for renters insurance is 71405, its average rate is $423 annually.

Here are the least expensive zip codes for renters insurance in Louisiana.

ZIP codeAverage annual rate
71405$423
71303$424
71301$425
71302$426
71280$427
71316$428
71201$429
71202$430
71064$431
71006$432

Cheap renters insurance in Louisiana by carrier

ASI Lloyds is the cheapest renters insurance company in Louisiana that provides renters insurance policies at an average of $336 a year, based on Insurance.com's rate analysis.

There are many carriers in Louisiana that offer cheap renters insurance policies. Some of the best deals can be found by shopping around and comparing rates. The table below shows some of the cheapest renters insurance providers in the state.

Company nameAverage annual premium
ASI Lloyds$336
Allstate$378
State Farm$391
USAA$446
Safeco$471
United$473
Garrison$480
Louisiana Farm Bureau$560
Farmers$712
Liberty$1,580

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