The average homeowners insurance in Louisiana is $5,986 per year — that's 135% above the U.S. average of $2,543, the 2nd most expensive of 51 states.
| Louisiana average | $5,986 per year |
|---|---|
| U.S. average | $2,543 per year |
| Difference | +135% (+$3,443/yr) |
| Rank (most expensive) | 2nd of 51 |
Louisiana sits in the South and ranks 2nd of 51 for home insurance cost. The main driver is hurricanes plus one of the most litigious insurance markets in the U.S. — insurers price that risk straight into your premium. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
Your state's full breakdown plus the discounts most people miss. Free, no obligation.
The levers that move your rate the most: raising your deductible; bundling home and auto with one carrier; adding wind/hail mitigation or a newer roof; asking about every discount (claims-free, security system, new-buyer). The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare Louisiana Home Insurance Rates — Free, 2 Minutes →The average homeowners insurance in Louisiana is about $5,986 per year as of 2026 — 135% above the national average of $2,543 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Louisiana ranks 2nd out of 51 for home insurance cost. Rates run high largely because of hurricanes plus one of the most litigious insurance markets in the U.S..
The fastest levers: raising your deductible, bundling home and auto with one carrier, adding wind/hail mitigation or a newer roof. Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.