Louisiana homeowners are no strangers to Gulf-driven hurricanes and severe storms that can cause major property damage. Recent years have brought a record pace of costly U.S. disasters and double-digit insurance price increases (NOAA) (BLS CPI), keeping the state among the most expensive for home coverage (Insurance Information Institute). The risk of a catastrophic financial loss is the primary reason for having a homeowners insurance policy in the Pelican State. With the help of Reviews.com, you may be able to find the best policy for your Louisiana home insurance needs.
The 4 Best Home Insurance Companies in Louisiana
Reviews.com’s data team analyzed providers who write policies in Louisiana to find the best options available to you. Carrier attributes assessed include customer satisfaction benchmarks from J.D. Power’s latest U.S. Home Insurance Study, financial strength ratings from AM Best, coverage options, available discounts, market share, the NAIC’s Complaint Index, and current market pricing context from Bankrate’s Louisiana home insurance analysis. Based on these factors, Reviews found these four companies may offer some of the best homeowners insurance policies in Louisiana:
- USAA: Best for Military-Focused Coverage
- State Farm: Best for Online Tools
- Hanover Insurance Group: Best for High-Value Homes
- Allstate: Best for Optional Coverage
Compare the Best Home Insurance Companies in Louisiana
The following companies represent the best overall home insurance companies, according to our research findings. Keep in mind that availability and pricing can vary widely by parish and proximity to the coast, and some households may receive takeout offers from Louisiana Citizens as private capacity returns (Citizens depopulation program). Keep your priorities top of mind when shopping around so you can find the most robust coverage for your needs at a budget-friendly price. The following chart may help you see at a glance which insurers may be closest to your goals.�a0
| Average Annual Premium* | AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin USAA | $1,987 | A++ | 882 | |
| Pin State Farm | $1,492 | A++ | 835 | |
| Pin Hanover Insurance Group | $1,806 | A | N/A | |
| Pin Allstate | $2,668 | A+ | 829 |
Comparison inputs in this section (including displayed premiums and satisfaction scores) reflect 2022 source data; Louisiana’s market has shifted materially since then, with premiums broadly higher in 2024–2025.
*2022 premium data provided by Bankrate.com. Based on $250,000 dwelling coverage. For current context, see Bankrate’s 2024 Louisiana analysis, which finds today’s statewide averages commonly in the low-to-mid $3,000s.
**J.D. Power’s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale. USAA is not officially ranked by J.D. Power due to eligibility restrictions.
USAA: Best for Military-Focused Coverage
Best for Military-Focused Coverage
Why We Chose It
Why we chose it
Pros
- Highest financial strength rating
- Excellent customer service ratings
- Military lifestyle-friendly policies
- Replacement cost coverage available
Cons
- Only available for military members, veterans, and their families.
- Discounts are limited
- Higher rates than some other top insurance companies
Other Policies Offered
- RV and motorhome
- Aviation
- Farm and ranch
- Valuable personal property
- Condo
Standout Discounts Available
- Multi-line
- Protective device
- Claims-free
State Farm: Best for Online Tools
Best for Online Tools
Why We Chose It
Why we chose it
Pros
- Competitive average annual premium rate for Louisiana
- Highest financial strength ranking
- Above-average J.D. Power customer satisfaction ranking
Cons
- Fewer discounts available than some other insurers
Other Policies Offered
- Renters
- Farm and ranch
- Identity restoration
- Business owners
- Automobile
Standout Discounts Available
- Multi-line
- Home security device
- Roofing materials
Hanover Insurance Group: Best for High-Value Homes
Best for High-Value Homes
Why We Chose It
Why we chose it
Pros
- Variety of options for customized coverage
- Deductible waiver for large loss
- Higher coverage limits available
Cons
- Low financial strength rating than other insurers
- No online quote option available
- Not rated by J.D. Power for customer satisfaction
Other Policies Offered
- Motorcycle
- Watercraft
- Condo
- Valuable items
- Recreational vehicles
Standout Discounts Available
- Multi-line
- Home safety devices
Allstate: Best for Optional Coverage
Best for Optional Coverage
Why We Chose It
Why we chose it
Pros
- Enhanced coverage options
- Excellent range of discounts
- Above-average J.D. Power customer satisfaction score
Cons
- Average premiums in Louisiana higher than other insurers
- Ratings for financial strength and customer satisfaction not as strong as other insurers
Other Policies Offered
- Auto
- Business
- Identity theft protection
- Pet
- Travel
Standout Discounts Available
- Claim-free
- Early signing
- Welcome and loyalty
- Home buyer
*2022 premium data provided by Bankrate.com. Based on $250,000 dwelling coverage. Current statewide averages are commonly in the low-to-mid $3,000s per Bankrate’s 2024 Louisiana update.
**J.D. Power’s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale. USAA is not officially ranked by J.D. Power due to eligibility restrictions.
The Average Cost of Home Insurance in Louisiana
The typical homeowners premium in Louisiana now often falls in the low-to-mid $3,000s per year for a standard policy on a mid-value home (recent market estimates). For context, the latest regulator-published statewide average (HO-3) was about $2,000 for 2021 (III/NAIC), and the BLS index for household insurance rose at double-digit rates through much of 2024 (BLS CPI). It’s important to remember that your own rate will most likely differ from these averages. Insurers take multiple highly-personalized factors into consideration when determining insurance rates, including your home’s location and age, your credit rating, and your claims history. Consumers in coastal parishes or insured through Louisiana Citizens (the insurer of last resort) commonly pay more, with many Citizens premiums in the mid-$4,000s or higher after a significant rate hike took effect (AP coverage of Citizens rate action). For comparison purposes, the tables below illustrate today’s directional landscape; actual quotes will vary.
Top 3 Cheapest Home Insurance Companies in Louisiana
| Company | Average Annual Premium* |
| Inland private-market quotes (mitigated homes) | Often under $3,000 |
| Major national carriers (availability varies by parish) | Around low-$3,000s |
| Regional/admitted carriers (subject to underwriting) | Around low- to mid-$3,000s |
*Updated context from Bankrate’s 2024 Louisiana analysis; actual premiums vary by parish, roof age, wind/hail deductible, and mitigation.
Top 3 Most Expensive Home Insurance Companies in Louisiana
| Company | Average Annual Premium* |
| Louisiana Citizens (insurer of last resort) | Mid-$4,000s+ (many policies higher) |
| Coastal parish private-market quotes | $4,000–$6,000+ |
| Older roofs/prior losses in wind-exposed areas | Above statewide average |
*Citizens pricing reflects a significant approved increase effective in recent years (AP); private-market premiums vary by risk factors and reinsurance costs.
Key Things to Know About Home Insurance in Louisiana
A good insurance resource for Louisiana homeowners is the Louisiana Department of Insurance website. The site provides consumer publications and allows you to file a complaint and report insurance fraud. You can also learn about the role of Louisiana Citizens (the state’s insurer of last resort) and its depopulation efforts to move policies back to the private market here. Another website that may be helpful to review is Ready.gov, a website created by the federal government that helps homeowners prepare for hurricanes and tropical storms, stay safe during them, and return home afterward.�a0
Home Insurance Coverage Options
Although a basic HO-3 insurance policy (the most common type) will protect you from many disasters, there are a few cases where you might want to consider optional coverage. One of the most important for Louisiana homeowners is flood insurance coverage. Flood insurance isn’t part of standard home insurance policies but can be added to your policy lineup by most insurers at your request. Although it costs extra to have this additional policy, it can greatly enhance your financial protection if you are in an area that experiences frequent flooding, such as Louisiana. Many insurers will facilitate the purchase of a government flood insurance program, or you can find separate flood policies in some states from private companies. Under FEMA’s Risk Rating 2.0, NFIP prices are more property-specific and may rise annually until reaching full risk rates (FEMA state profiles); Louisiana also offers consumer resources on NFIP and private flood options (LDI flood insurance).�a0
Frequently Asked Questions
Methodology
Reviews evaluated the companies based on their third-party agency ratings for customer experience, financial stability, and coverage options to determine which might be the best providers.�a0
To compare home insurance companies across the board, we considered the following factors:
- Customer Ratings – Customer ratings are an indication of satisfaction with the overall experience with a company. We measured this using 2024 J.D. Power Home Insurance Study ratings.
- Coverage – As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.�a0
- Confidence – It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
- Customer Experience – The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the National Association of Insurance Companies National Complaint Index (NAIC CIS).
Some on-page comparison rates reference 2022 quoted annual premiums from Bankrate.com and are provided for illustrative, apples-to-apples comparison. Since then, premiums have generally increased, with the BLS’s household insurance index showing double-digit gains through much of 2024 (BLS CPI); current Louisiana averages are commonly in the low-to-mid $3,000s (Bankrate 2024). These are sample rates and should be used for comparative purposes only. Your quotes may be different.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
