🏠 Home insurance cost in Louisiana (2026)
The estimated average is $4,600 per year — above the national average (+100% vs. the U.S. average of $2,300).
Louisiana is home to about 4.6 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like New Orleans typically differ from smaller towns.
Estimate your home insurance in Louisiana
Louisiana home insurance estimator
Starts from the Louisiana average. Estimate only — get quotes to confirm.
Home insurance cost in Louisiana cities
| City | Population | Est. home insurance |
|---|---|---|
| New Orleans | 369,749 | $4,784 |
| Baton Rouge | 221,453 | $4,600 |
| Shreveport | 179,250 | $4,600 |
| Lafayette | 121,374 | $4,600 |
Louisiana home insurance FAQ
How much is home insurance in Louisiana?
The estimated average home insurance in Louisiana is $4,600 per year, which is above the national average (+100% vs. the U.S. average of $2,300). Louisiana ranks 2 of 51 states from most to least expensive.
Why is home insurance expensive in Louisiana?
Home insurance pricing in Louisiana reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in Louisiana?
Compare at least three quotes from insurers active in Louisiana, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.