Renters and home insurance rates in Louisiana
The NAIC's published average premiums for Louisiana by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $243
- average homeowners premium (HO-3), per year
- $2,603
- renter households
- 582,761
By county
By county
| Orleans Parish | 76,684 | $1,211 | $296,400 |
|---|---|---|---|
| East Baton Rouge Parish | 71,811 | $1,121 | $241,800 |
| Jefferson Parish | 66,701 | $1,162 | $243,500 |
| Caddo Parish | 37,354 | $962 | $175,900 |
| Lafayette Parish | 33,679 | $1,022 | $234,200 |
| Ouachita Parish | 24,626 | $923 | $183,000 |
| St. Tammany Parish | 21,873 | $1,305 | $272,200 |
| Calcasieu Parish | 21,371 | $1,096 | $208,500 |
| Rapides Parish | 16,889 | $942 | $179,100 |
| Bossier Parish | 16,848 | $1,168 | $215,100 |
| Tangipahoa Parish | 14,295 | $974 | $204,600 |
| Terrebonne Parish | 11,035 | $1,010 | $189,100 |
| Livingston Parish | 9,619 | $1,102 | $218,900 |
| St. Landry Parish | 9,479 | $742 | $142,900 |
| Iberia Parish | 8,602 | $891 | $156,000 |
| Lincoln Parish | 8,527 | $821 | $195,500 |
| Lafourche Parish | 8,112 | $933 | $190,800 |
| Ascension Parish | 8,018 | $1,283 | $265,300 |
| Vernon Parish | 7,853 | $1,038 | $143,500 |
| Acadia Parish | 6,900 | $725 | $146,900 |
| Vermilion Parish | 5,642 | $802 | $159,700 |
| St. Mary Parish | 5,641 | $839 | $128,000 |
| Washington Parish | 5,404 | $772 | $139,400 |
| Natchitoches Parish | 5,323 | $767 | $163,000 |
| St. Bernard Parish | 4,719 | $1,083 | $192,100 |
| Webster Parish | 4,694 | $777 | $105,600 |
| Avoyelles Parish | 4,549 | $739 | $120,200 |
| Evangeline Parish | 4,305 | $663 | $118,500 |
| St. Martin Parish | 4,219 | $865 | $151,000 |
| Morehouse Parish | 3,265 | $795 | $108,700 |
| St. Charles Parish | 3,225 | $1,144 | $256,800 |
| St. John the Baptist Parish | 3,032 | $1,118 | $184,000 |
| Jefferson Davis Parish | 2,770 | $847 | $145,000 |
| Iberville Parish | 2,677 | $817 | $177,100 |
| De Soto Parish | 2,548 | $719 | $150,700 |
| West Baton Rouge Parish | 2,511 | $1,021 | $225,900 |
| Richland Parish | 2,390 | $836 | $124,500 |
| Beauregard Parish | 2,304 | $882 | $164,500 |
| Plaquemines Parish | 2,143 | $1,611 | $275,800 |
| Union Parish | 1,973 | $758 | $115,400 |
| Concordia Parish | 1,948 | $774 | $102,400 |
| Franklin Parish | 1,933 | $719 | $117,200 |
| Pointe Coupee Parish | 1,849 | $794 | $174,500 |
| Allen Parish | 1,774 | $739 | $110,800 |
| Sabine Parish | 1,670 | $664 | $129,400 |
| Jackson Parish | 1,659 | $719 | $107,400 |
| Bienville Parish | 1,594 | $600 | $93,600 |
| Claiborne Parish | 1,481 | $619 | $82,400 |
| Winn Parish | 1,409 | $640 | $102,600 |
| Madison Parish | 1,317 | $625 | $90,600 |
| Grant Parish | 1,288 | $806 | $135,900 |
| Assumption Parish | 1,219 | $801 | $141,200 |
| Caldwell Parish | 1,142 | $756 | $106,000 |
| St. James Parish | 1,081 | $821 | $197,800 |
| East Feliciana Parish | 1,056 | $745 | $213,700 |
| St. Helena Parish | 1,046 | $802 | $106,400 |
| West Carroll Parish | 1,017 | $692 | $97,600 |
| East Carroll Parish | 1,004 | $767 | $87,400 |
| LaSalle Parish | 837 | $576 | $137,200 |
| West Feliciana Parish | 830 | $998 | $263,200 |
| Catahoula Parish | 739 | $724 | $88,000 |
| Red River Parish | 700 | $731 | $103,200 |
| Tensas Parish | 495 | $613 | $80,300 |
| Cameron Parish | 63 | $183,300 |
Download the Louisiana county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Louisiana was $243 in 2022, across 582,761 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Louisiana", updated 2026-08-17, https://homecoverhq.com/rates/louisiana/.