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Louisiana Home Insurance Estimator โ€” Updated 2026

State abbreviation: LA

Homeowners insurance in Louisiana averages $1,920/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $285,000, you should budget 0.67% of its value annually for insurance. Insurance costs here are near or below the national average.

Louisiana Financial Data (2026)

State Tax Rate
4.25%
Property Tax Rate
0.55%
Median Home Price
$285,000
Avg Insurance Cost
$1,920/year
Cost of Living Index
91
State Abbreviation
LA