Home Renters insurance Renters insurance cost Average renters insurance cost in Louisiana Average renters insurance cost in Louisiana Discover the average cost of renters insurance in Louisiana and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur is a licensed life, health, and disability insurance agent and an auto and home insurance expert. She has written extensively on insurance topics for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com as well as for Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker and The Financial Gym. | Updated on: January 16, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in Louisiana vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Louisiana is $504 per year or $42 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Louisiana is $504 per year or $42 per month.State Farm provides the least expensive renters insurance in Louisiana at an average rate of $260 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Louisiana. Average renters insurance cost in Louisiana per monthIn Louisiana, the average monthly cost of renters insurance is $42. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$42$20 moreAverage renters insurance cost in Louisiana by companyRenters in Louisiana can find the most budget-friendly insurance with State Farm, which has an average annual cost of $260, according to our data. Other affordable options include Progressive and Farmers.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Louisiana.CompanyAverage annual rateAverage monthly rateState Farm$260$22Progressive$282$24Farmers$481$40Allstate$577$48LA Farm bureau$872$73USAA$498$42 Renters insurance calculator in Louisiana Select your state Louisiana Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $472/year Estimated renters insurance rates in Louisiana $39 Monthly renters insurance cost in Louisiana 91% Compared to national average Get quotes Average cost of renters insurance in Louisiana by coverage levelOn average, Louisiana renters pay $504 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Louisiana to $348 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Louisiana for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$343$29$20,000 with $500 Deductible and $300,000 Liability$375$31$20,000 with $1,000 Deductible and $100,000 Liability$316$26$20,000 with $1,000 Deductible and $300,000 Liability$348$29$40,000 with $500 Deductible and $100,000 Liability$506$42$40,000 with $500 Deductible and $300,000 Liability$538$45$40,000 with $1,000 Deductible and $100,000 Liability$472$39$40,000 with $1,000 Deductible and $300,000 Liability$504$42$60,000 with $500 Deductible and $100,000 Liability$688$57$60,000 with $500 Deductible and $300,000 Liability$720$60$60,000 with $1,000 Deductible and $100,000 Liability$643$54$60,000 with $1,000 Deductible and $300,000 Liability$675$56Average cost of renters insurance in Louisiana by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Louisiana.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Louisiana by cityBaton RougeLafayetteLake CharlesNew OrleansShreveportAverage cost of renters insurance in Louisiana by ZIP codeRenters insurance costs in Louisiana vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in LouisianaIn Louisiana, your ZIP code plays a major role in determining your premiums. Based on our data, 71329 is the most affordable ZIP code for renters insurance, with an average annual cost of $319.Comparing quotes from multiple insurers in Louisiana is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate71329Dupont$319$2771301Alexandria$322$2771328Deville$322$2771424Elmer$322$2771330Echo$322$2771447Lena$322$2771448Longleaf$322$2771302Alexandria$322$2771427Flatwoods$322$2771430Forest Hill$322$27Least affordable ZIP codes for renters insurance in LouisianaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Louisiana is 70358, with an average cost of $1,286 a year or $107 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Louisiana. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate70358Grand Isle$1,286$10770091Venice$1,271$10670083Port Sulphur$1,192$9970041Boothville$1,173$9870357Golden Meadow$1,164$9770082Pointe A La Hache$1,153$9670631Cameron$1,144$9570632Creole$1,141$9570643Grand Chenier$1,139$9570354Galliano$1,138$95Final thoughts: Average renters insurance in LouisianaRenters insurance is essential for residents of Louisiana. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Louisiana Average homeowners insurance cost in Louisiana Average car insurance cost in Louisiana Non-owner car insurance in Louisiana Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Homeowners insurance calculator: Estimate the cost of homeowners insurance By Jessica Olson How to bundle home and auto insurance policies to save money By Lena Borrelli Homeowners insurance basics By Shivani Gite How to calculate your home’s replacement cost By Nupur Gambhir Home insurance claims: How to file and what you should know By Chris Kissell How much does dog liability insurance cost and do you need it? By Lena Borrelli On this page Average renters insurance cost in Louisiana per monthAverage renters insurance cost in Louisiana by companyAverage cost of renters insurance in Louisiana by coverage levelAverage cost of renters insurance in Louisiana by cityAverage cost of renters insurance in Louisiana by ZIP codeFinal thoughts: Average renters insurance in Louisiana ZIP Code Please enter valid ZIP See rates