Affordable Home Insurance in Louisiana
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What drives home insurance rates in Louisiana
Average homeowners premium, 2023
$3,027
The average homeowners policy in Louisiana cost $3,027 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
47.6¢
Home insurers in Louisiana paid 47.6 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
463
NOAA logged 108 tornado, 111 large-hail and 244 flash-flood event reports in Louisiana in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#11
FEMA ranks Louisiana #11 of 51 for expected annual loss from natural hazards; hurricane accounts for 46% of that loss, and wind damage is covered under most policies, and flood needs a separate policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Louisiana
The ten insurer groups that wrote the most home premium in Louisiana in 2025, with their share of the state total of $3.5 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 21.73% | $754 million |
| 2 | Allstate Insurance Group | 15.27% | $530 million |
| 3 | Iat Reins Co. Group | 8.79% | $305 million |
| 4 | United Services Automobile Association Group | 7.95% | $276 million |
| 5 | Liberty Mutual Group | 4.77% | $166 million |
| 6 | Louisiana Farm Bureau Insurance Co. | 3.78% | $131 million |
| 7 | Safepoint Holdings Inc Group | 3.34% | $116 million |
| 8 | Progressive Group | 3.33% | $116 million |
| 9 | Allied Trust Insurance Co. | 2.82% | $98 million |
| 10 | Iron Family Holdings Group | 2.81% | $98 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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