02/24/2026
Louisiana Insurance Market Update | 2025 Rate Trends
The Louisiana Department of Insurance has released new data reflecting a meaningful shift in statewide insurance rates for 2025 following several years of volatility.
For the first time since 2020, overall insurance rates across all lines have declined modestly, averaging -0.4% statewide.
Here’s what that means for Louisiana consumers:
• Private Passenger Auto: Average rates decreased -5.8%, representing approximately $344 million in statewide premium reductions. This marks a significant stabilization after multiple years of substantial increases.
• Homeowners Insurance: Rates increased an average of +4.4%, totaling approximately $135 million in additional statewide premiums, though at a slower pace than prior years. Notably, more insurers filed rate decreases in 2025 than in previous years.
• Commercial Auto: Rates remain elevated, and affordability continues to be a concern in this sector.
It is important to remember that these figures represent statewide averages. Individual premiums vary based on property characteristics, claims history, driving record, carrier guidelines, and overall risk profile.
As your local real estate professional, I encourage homeowners and buyers to review their insurance policies annually and shop rates when appropriate. Insurance affordability plays a critical role in long-term homeownership costs and overall housing stability across our region.
For more information or to review rate filings, visit the Louisiana Department of Insurance at www.ldi.la.gov or contact them at 800-259-5300.
If you have questions about how insurance trends may impact your buying or selling decisions in the Greater New Orleans market, I’m always available to provide guidance.
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