Average renters insurance cost in Louisiana
Louisiana is one of the most expensive states for renters insurance, ranking #50 of 50. At $36 a month, renters here pay about 57% more than the national average — a premium driven largely by the state's severe-weather claim history. Even so, it remains one of the cheapest policies you can own.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
Compare renters insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.
How Louisiana compares with its neighbors
| State | Monthly rate | Difference vs LA |
|---|---|---|
| Louisiana | $36 | — |
| Texas | $25 | −$11/mo |
| Mississippi | $32 | −$4/mo |
| Arkansas | $35 | −$1/mo |
Louisiana renters insurance FAQ
How much is renters insurance in Louisiana?
Renters insurance in Louisiana averages $36 per month — about $432 per year — for a typical policy with roughly $30,000 in personal property coverage and $100,000 in liability. Your exact rate depends on your coverage limits, deductible, claims history and, in most states, your credit-based insurance score.
Is renters insurance required in Louisiana?
No state law requires renters insurance in Louisiana — but landlords can and frequently do require it as a lease condition. Even when it's optional, going without it means one apartment fire or burglary could cost you everything you own, against a premium of roughly $36 a month.
How can I pay less than $36/month in Louisiana?
Three moves reliably beat the state average: bundle renters with your auto policy (typically the single biggest discount), raise your deductible from $250 to $1,000 if you can absorb it, and compare quotes — carrier pricing for identical coverage varies widely, with the cheapest national carriers averaging around $14/month.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
Compare renters insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.