Average insurance rates across 76 cities in Louisiana
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| New Orleans | 383,997 | $3,540 | $2,474 | $577/mo | $23/mo |
| Lafayette | 237,565 | $3,322 | $2,320 | $572/mo | $22/mo |
| Baton Rouge | 227,470 | $3,394 | $2,372 | $574/mo | $22/mo |
| Shreveport | 187,593 | $3,066 | $2,142 | $566/mo | $20/mo |
| Lake Charles | 151,109 | $3,322 | $2,320 | $572/mo | $22/mo |
| Houma | 143,160 | $3,322 | $2,320 | $572/mo | $22/mo |
| Metairie | 140,046 | $3,322 | $2,320 | $572/mo | $22/mo |
| Monroe | 116,927 | $3,322 | $2,320 | $572/mo | $22/mo |
| Mandeville | 116,649 | $3,322 | $2,320 | $572/mo | $22/mo |
| Slidell | 95,528 | $3,322 | $2,320 | $572/mo | $22/mo |
| Alexandria | 77,109 | $3,322 | $2,320 | $572/mo | $22/mo |
| Hammond | 76,032 | $3,322 | $2,320 | $572/mo | $22/mo |
| Kenner | 65,785 | $3,322 | $2,320 | $572/mo | $22/mo |
| Bossier City | 62,971 | $3,322 | $2,320 | $572/mo | $22/mo |
| Prairieville | 34,215 | $3,322 | $2,320 | $572/mo | $22/mo |
Louisiana residents pay an average of $3,650 per year for home insurance and $2,550 for auto insurance. Louisiana follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 15/30/25.
Health insurance in Louisiana averages $580 per month for an individual Silver marketplace plan. The weather risk level is high, with significant exposure to hurricanes. Top insurance providers in Louisiana include State Farm, Louisiana Citizens, USAA.
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Policygenius The ZebraThe average home insurance cost in Louisiana is $3,650 per year. Rates range from $2,400 to $5,500 depending on home value, location, and coverage level.
Auto insurance in Louisiana averages $2,550 per year for full coverage. The state minimum coverage is 15/30/25.
Yes, Louisiana has above-average insurance costs, with home insurance at $3,650/yr and auto at $2,550/yr compared to national averages of $2,300 and $1,800 respectively.
Louisiana requires minimum liability coverage of 15/30/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.