Renters Insurance Cost in Louisiana (2026 Average)
Louisiana renters paid about $184 a year on average in the NAIC 2021 baseline, about $14 more than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Louisiana renters insurance costs
Louisiana renters paid about $184 a year on average in the NAIC 2021 baseline, about $14 more than the $170 US average.
Weather exposure is a major driver here: hurricane and flood exposure is among the highest in the country.
Claim frequency and litigation also matter: the state is known for higher claim frequency and litigation, which pushes premiums up.
Replacement costs and carrier competition round out the picture: replacement costs in New Orleans and the coastal market are elevated, and some carriers limit exposure in the state, which reduces competition and raises prices.
How Louisiana compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Louisiana | $184 | +$14 |
| United States (national average) | $170 | baseline |
| Texas | $250 | +$80 |
| Mississippi | $190 | +$20 |
| Alabama | $162 | −$8 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.