Country Guide
Best Home Insurance in Louisiana (2026)
Louisiana has some of the highest home insurance rates due to hurricane risk. Compare top carriers for LA.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Louisiana
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Hurricane coverage | $4,200/yr | — |
| 2 | USAA | Military families | $3,480/yr | — |
| 3 | Allstate | Local agents | $4,560/yr | — |
| 4 | Louisiana Farm Bureau | LA-based carrier | $3,840/yr | — |
| 5 | Farmers | Bundle savings | $4,800/yr | — |