Louisiana homeowners insurance cost
South region · NAIC 2022 HO-3 average · rank #2 of 51
The average annual homeowners insurance premium in Louisiana is about $2,603 for the standard HO-3 policy form (NAIC 2022 data, the latest available) — about 66% above the national average of $1,569. Louisiana ranks #2 of 51 states and DC (1 = most expensive), making it very high on home-insurance cost, well above the national average. The main local cost drivers are hurricanes (Gulf Coast), flooding, reinsurance and insurer insolvencies, high replacement costs. This is a countrywide average, not a quote for your home.
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
Louisiana home insurance at a glance
| Figure | Louisiana |
|---|---|
| Average annual HO-3 premium | $2,603 |
| National average (HO-3) | $1,569 |
| vs national average | 66% (about 66% above the national average) |
| State rank (1 = most expensive of 51) | #2 |
| Cost band | Very high (well above the national average) |
| Region | South |
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
What drives home insurance cost in Louisiana
A homeowners premium mostly reflects how likely and how expensive a claim is. In Louisiana, the main factors behind the $2,603 average are:
- hurricanes (Gulf Coast)
- flooding
- reinsurance and insurer insolvencies
- high replacement costs
On top of these location factors, your own premium swings with your home's rebuilding cost (Coverage A), roof age and material, deductible, claims history and, in most states, your insurance credit score. See our premium drivers guide for how each one moves the price.
Estimated Louisiana premium by dwelling coverage
A rough idea of how the Louisiana average scales with the amount of dwelling (Coverage A) you carry. These are illustrative estimates from the state average scaled by a coverage factor — not quotes.
| Dwelling coverage (Coverage A) | Estimated annual premium |
|---|---|
| $200,000 to $299,999 | $2,603 |
| $300,000 to $399,999 | $3,332 |
| $400,000 to $499,999 | $4,061 |
| $500,000 and over | $5,206 |
Source: Estimated from the NAIC 2022 Louisiana average and a coverage-scaling factor. Data as of June 2026.
For a tailored figure use the premium estimator. The scaling factors are an approximation documented on the methodology page, not published NAIC band data.
How Louisiana compares with similar states
| State | Avg HO-3 / yr | vs national |
|---|---|---|
| Louisiana (this state) | $2,603 | 66% |
| Florida | $2,677 | 71% |
| Texas | $2,397 | 53% |
| Oklahoma | $2,268 | 45% |
| Colorado | $2,079 | 33% |
| Rhode Island | $2,074 | 32% |
Frequently asked questions
How much is homeowners insurance in Louisiana?
The average annual homeowners (HO-3) premium in Louisiana is about $2,603, about 66% above the national average of $1,569 (NAIC 2022 data, the latest available). It ranks #2 of 51 states and DC, where 1 is the most expensive. This is a countrywide average, not a quote for your home.
Why is home insurance expensive in Louisiana?
Louisiana's premiums are shaped mainly by hurricanes (Gulf Coast), flooding, reinsurance and insurer insolvencies, high replacement costs. Catastrophe exposure (wind, hail, wildfire), rebuilding costs and claims history are the biggest levers on a homeowners premium. Louisiana is very high versus the national average, well above the national average.
Is Louisiana home insurance going up?
Yes, like most of the country. NAIC's latest report shows the national HO-3 average rose about 11.26% in 2022 year-over-year, driven by reconstruction-cost inflation and rising catastrophe losses. 2022 is the latest published data year, so current Louisiana premiums are likely higher than the figure shown. Verify with insurers.
Is the $2,603 figure a quote?
No. $2,603 is the NAIC 2022 countrywide average HO-3 premium for Louisiana - an average across all homes and insurers, not a quote for your property. Your actual premium depends on your home's value, age, construction, roof, deductible, claims history, credit and insurer. Always get real quotes.
Keep exploring
YMYL note. The $2,603 figure is the NAIC 2022 countrywide average for Louisiana - general information, not a quote. Homeowners insurance protects one of your largest assets; actual premiums vary widely by home and insurer. Always get real quotes from licensed insurers and verify coverage with your state insurance department.
Last updated: 2026-06-20