The average renters insurance in Louisiana is $504 per year — that's 75% above the U.S. average of $288, the 1st most expensive of 51 states.
| Louisiana average | $504 per year |
|---|---|
| U.S. average | $288 per year |
| Difference | +75% (+$216/yr) |
| Rank (most expensive) | 1st of 51 |
Louisiana sits in the South and ranks 1st of 51 for renters 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.
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The levers that move your rate the most: bundling renters with your car insurance; raising your deductible; asking about security/safety discounts (alarms, deadbolts, smoke detectors); comparing a few carriers — renters policies are cheap but still vary. 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 Renters Insurance Rates — Free, 2 Minutes →The average renters insurance in Louisiana is about $504 per year as of 2026 — 75% above the national average of $288 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Louisiana ranks 1st out of 51 for renters insurance cost. Rates run high largely because of hurricanes plus one of the most litigious insurance markets in the U.S..
The fastest levers: bundling renters with your car insurance, raising your deductible, asking about security/safety discounts (alarms, deadbolts, smoke detectors). Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.