Quick Answer — Home Insurance in Louisiana
Homeowners insurance in Louisiana costs about $8,497/year ($708/month) in 2026 — +139% above the U.S. average of $3,548 (MoneyGeek). Louisiana has the second-highest homeowners insurance cost in the nation.
$8,497/yr
Louisiana average
$708/mo
Monthly estimate
+139%
vs US avg ($3,548)
Gulf hurricanes
Main cost driver
Louisiana has the second-highest homeowners insurance cost in the nation. Repeated Gulf hurricanes — including the 2020–21 storm seasons — drove several carriers into insolvency or out of the state, tightening the market and lifting premiums far above the national average.
Estimate your own premium by home value and coverage level
Open the Home Insurance Calculator →How Much Is Homeowners Insurance in Louisiana?
| Reference | Annual | Monthly |
|---|---|---|
| Louisiana average | $8,497 | $708 |
| U.S. national average | $3,548 | $296 |
| Most expensive state (Florida) | $10,240 | $853 |
| Cheapest of the major states (California avg) | $1,348 | $112 |
Average annual premiums are MoneyGeek 2026 figures for a standardized homeowner profile. Your rate varies by dwelling value, home age, roof, ZIP code, deductible, and claims history.
Why Homeowners Insurance Is Expensive in Louisiana
Louisiana has the second-highest homeowners insurance cost in the nation. Repeated Gulf hurricanes — including the 2020–21 storm seasons — drove several carriers into insolvency or out of the state, tightening the market and lifting premiums far above the national average.
How to Lower Your Home Insurance in Louisiana
- Use the Louisiana Fortified Roof program and available state grants to harden your roof for premium credits.
- Shop again each renewal as new carriers re-enter the Louisiana market.
- Consider a higher named-storm deductible to lower the base premium.
- Compare at least three insurers each renewal, and bundle home with auto for a multi-policy discount.
Homeowners Insurance Cost in Other States
Home insurance is priced state by state, so costs swing widely. Compare Louisiana with other states:
Frequently Asked Questions
How much is homeowners insurance in Louisiana?
The average homeowners insurance premium in Louisiana is about $8,497 per year, or roughly $708 per month, in 2026 (MoneyGeek). That is +139% above the U.S. national average of $3,548. Your actual rate depends on your home's value, age, roof, location, and claims history.
Why is homeowners insurance expensive in Louisiana?
Louisiana has the second-highest homeowners insurance cost in the nation. Repeated Gulf hurricanes — including the 2020–21 storm seasons — drove several carriers into insolvency or out of the state, tightening the market and lifting premiums far above the national average.
How can I lower my homeowners insurance in Louisiana?
Use the Louisiana Fortified Roof program and available state grants to harden your roof for premium credits. Shop again each renewal as new carriers re-enter the Louisiana market. Consider a higher named-storm deductible to lower the base premium.
Is home insurance required in Louisiana?
No state legally requires homeowners insurance, but your mortgage lender will require it as a condition of the loan. If you own the home outright it is optional, though going without coverage in Louisiana is a significant financial risk given local perils.