Renters Insurance in Louisiana

Renters insurance doesn’t need to be complicated. Compare rates from Louisiana by city and carrier below.

Find affordable renters insurance in Louisiana


Renters insurance may be optional, but it's important. It helps to protect your belongings in the event your rental property sustains damage. Renters insurance defends your belongings in the event of smoke or fire damage, a wind storm, theft, vandalism, and a variety of other common misfortunes.

Unlike auto insurance, renters insurance isn't governed by state legislation. Regardless, there are surprisingly large variations in average renters insurance prices by state. Policy prices in US states may differ depending on the frequency and value of renters claims filed in that particular state, and also on the price of the belongings you're insuring.

Getting a renters policy in Louisiana is pricier than the national average. The average annual cost of renters insurance in Louisiana is $340, $155 more expensive than in other states.

The easiest way to find affordable renters insurance in Louisiana is to shop around and compare rates from as many insurance companies as you can. Learn renters insurance costs in Louisiana via the below data. Individual rates may vary depending on coverage options and the value of your belongings.


Renters insurance in Louisiana:

  1. By insurance company
  2. Costs by city
  3. Bundling discounts
  4. FAQs

Renters insurance prices in Louisiana by company

Renters insurance rates in Louisiana can vary depending on which insurance company you select. State Farm offers the most affordable renters insurance in Louisiana — just $183 per year. This compares favorably to the state's mean rate of $340, offering a 46% price cut on average statewide renters insurance costs.

Start your search for a renters insurance policy by viewing average rates from top Louisiana carriers, listed below.


THE CHEAPEST RENTERS INSURANCE COMPANIES IN LOUISIANA
InsurerAverage Annual Rate in Louisiana
State Farm$182.51
Safeco$189.18
Centauri Specialty$214.04
Gulfstream$225.00
Shelter$275.76

Louisiana renters insurance prices: by city

Not all Louisiana cities have equal renters insurance rates. Rates are determined based on on local variables such as the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.

The cheapest renters insurance in Louisiana is found in Monroe. The average renters insurance policy in Monroe runs only $261 annually — $79 less than the statewide average. Reference the below table to see the cheapest cities in Louisiana for renters insurance.


AFFORDABLE RENTERS INSURANCE CITIES IN LOUISIANA
CityAverage Annual Renters Insurance Rate
Monroe$261
Ruston$266
Bossier City$268
Central$272
Baton Rouge$273

Louisiana insurance bundling discounts: renters and auto

If you want to save on insurance, consider carrying your renters and auto policies with the same insurance company. Bundling renters and auto insurance in Louisiana can save you a substantial sum each month on auto insurance. In fact, bundling policies in Louisiana leads to a yearly discount of $138.


RENTERS AND AUTO INSURANCE BUNDLING SAVINGS IN LOUISIANA
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$2,338.55$2,200.81$137.746%


You can save money on insurance by bundling your renters and auto policies. Find a policy today!


Looking for renters insurance info for a specific city? Take a look at our listof the most populous metropolitan areas in Louisiana.

  1. Baton Rouge
  2. New Orleans

Louisiana renters insurance FAQs


Do you need renters insurance in Louisiana?

There is no state mandate in Louisiana law that requires you to carry renters insurance. However, your landlord will likely require a renters policy before you sign the lease.

How do I get renters insurance in Louisiana?

You can shop for renters insurance just as you would for any other type of insurance (auto, homeowners, etc). Most major insurance companies offer renters insurance, so it might be a good idea to bundle with your existing car insurance.