Home / Business and Economy / State Farm Shakes Up Louisiana Rates: Auto Down, Home Up
State Farm Shakes Up Louisiana Rates: Auto Down, Home Up
13 Dec, 2025
Summary
- Louisiana sees auto insurance rates decrease by 5.9% for State Farm.
- Homeowners insurance rates will increase by 9.7% for State Farm.
- Changes for auto policies begin January 1, 2026, homeowners December 15, 2025.
State Farm has received approval for significant rate adjustments affecting its Louisiana customers. Auto insurance policyholders are slated to experience an average rate decrease of 5.9%, impacting over one million individuals. This change is attributed to a noted reduction in the frequency of physical damage claims.
In contrast, State Farm's homeowner's insurance policyholders are facing an average rate increase of 9.7%. The company cites hurricane modeling projecting higher future losses and increased non-catastrophe loss experience as reasons for this adjustment. These homeowner rate changes will take effect on December 15, 2025.
The statewide rate adjustments are expected to affect a substantial portion of Louisiana residents, as State Farm is a dominant provider in both auto and homeowners insurance markets within the state. Individual rate changes will ultimately depend on each policyholder's specific risk profile.
