In Louisiana, those with poor credit pay an average of $4,110 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 85% more than those with good credit.

Louisiana also has the third-highest average homeowners insurance premium ($3,604 annually) and the ninth-highest number of FEMA disaster declarations between January 1, 2014 and January 1, 2023 (30).

Key Takeaways. According to our analysis, Allstate has the cheapest homeowners insurance in Louisiana, with an average annual premium of $1,261, significantly lower than the state's average of $1,851.

New legislation that Louisiana lawmakers hope will bring down homeowners insurance prices is starting to go into effect as some residents say rates have driven them to sell their properties or ...

Louisiana has been dealing with an insurance crisis, as the state consistently ranks among states with the highest auto and homeowners insurance premiums, according to Insurance Business America.

NerdWallet analyzed data from 30 Louisiana insurance companies in order to find the insurers with the best homeowners policies. These are the top four insurance companies that received 4.5 stars ...

Senate Bill 235 and House Bill 356 drew wide public interest as homeowners wait for state officials to rein in the coverage costs. Average homeowner insurance premiums in Louisiana are the eighth ...

Best homeowners insurance companies in Louisiana. NerdWallet analyzed data from 30 Louisiana insurance companies in order to find the insurers with the best homeowners policies.

The Louisiana House of Representatives approved a bill Tuesday that would require insurance companies to let homeowners purchase “stated value” policies, which cover the home for an amount they ...

Companies flee Louisiana. In Louisiana, the home insurance market has struggled to rebound after at least a dozen insurers pulled out of the state following four major hurricanes in 2020 and 2021.

The cheapest home insurance provider in Louisiana is State Farm, with policies averaging $1,438 per year. Last Updated: Jun 4, 2025. Contact Us Advertiser Disclosure ...