Will my State Farm insurance rates go up or down in Louisiana?

State Farm auto insurance rates will decrease by an average of 5.9%, while homeowner's insurance rates will increase by an average of 9.7% in Louisiana.

When do State Farm rate changes take effect in Louisiana?

Homeowner's policy changes begin December 15, 2025, and auto policy changes begin January 1, 2026.

Home / Business and Economy / State Farm Shakes Up Louisiana Rates: Auto Down, Home Up

State Farm Shakes Up Louisiana Rates: Auto Down, Home Up

Q: Why is State Farm changing rates for Louisiana homeowners?

State Farm cites hurricane modeling predicting higher future losses and increased non-catastrophe claims as reasons for the homeowner's rate increase.

13 Dec

•

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 Shakes Up Louisiana Rates: Auto Down, Home Up

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.