| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Allstate | +3.8% | 102K | 1/29/26 | ALSE-134740068 → |
| Allied Trust | −2.3% | 22K | 12/20/25 | ALTR-134663183 → |
| Hanover | −1.8% | 4K | 4/1/26 | HNVR-G134780663 → |
| USAA | +9.2% | 76K | 3/15/26 | USAA-134777840 → |
| Louisiana Farm Bureau | +14.8% | 7K | 10/1/25 | SFBC-134582157 → |
| Farmers | +0.0% | 4K | 12/28/25 | FAIG-134637040 → |
If your Allstate renewal in Louisiana came in higher, this is the source: Allstate filed for a rate increase (SERFF ALSE-134740068) and it was approved at +3.8% on about 102,421 policyholders, effective January 29, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +3.8% is an average. Your Allstate change ranges +125.3% to −24.2%.
A statewide rate change is one blended number, but Allstate did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +125.3% and the largest decrease about −24.2%. So inside a “+3.8% average,” some Allstate households in Louisiana were raised far more than the headline and others were cut. Where you land depends on your ZIP, home age, roof and claims history.
Other Louisiana insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Louisiana the direction is not uniform: Allied Trust (−2.3%) and Hanover (−1.8%) both filed decreases in the same period. An Allstate increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Louisiana homeowners rate filing →