| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| State Farm | +9.7% | 304K | 10/15/25 | SFMA-134661164 → |
| Louisiana Farm Bureau | +14.8% | 7K | 10/1/25 | SFBC-134582157 → |
| USAA | +9.2% | 76K | 3/15/26 | USAA-134777840 → |
| Allstate | +3.8% | 102K | 1/29/26 | ALSE-134740068 → |
| Farmers | 0.0% | 4K | 12/28/25 | FAIG-134637040 → |
| Hanover | −1.8% | 4K | 4/1/26 | HNVR-G134780663 → |
| Allied Trust | −2.3% | 22K | 12/20/25 | ALTR-134663183 → |
What the filing actually says
State Farm’s approved Louisiana homeowners increase is +9.7%, effective October 15, 2025, on roughly 303,638 households. Its own actuarial analysis indicated it needed +10.3%, so it filed very close to its full indication — this was not a carrier holding back.
Scale matters here. State Farm’s Louisiana home book is larger than the next three carriers’ combined, so a +9.7% move by State Farm repriced more Louisiana households than every other home filing in the state put together.
Louisiana is the hardest home market we track
This is not a State Farm story so much as a Louisiana story. We recorded five carriers raising and two cutting, and the increases are steep across the board: Louisiana Farm Bureau at +14.8%, USAA at +9.2%, State Farm at +9.7%. Hurricane exposure, reinsurance costs and litigation have all pushed Gulf Coast property rates hard, and Louisiana absorbs more of that than anywhere else in our data.
The spreads are extreme too. Allstate’s comparatively modest +3.8% average conceals a range of +125.3% to −24.2% — meaning some Allstate households saw their premium more than double while others fell. In a market like this, a carrier’s statewide average is close to meaningless for predicting your own bill.
Who is cutting Louisiana home rates
Two carriers cut, and both are worth a quote. Allied Trust cut −2.3% on about 22,038 households, the largest Louisiana home cut we have on file. Hanover cut −1.8% on about 4,056 households — notable because its own analysis indicated it needed a small increase of +0.6% and it cut anyway, which is what a carrier does when it wants to grow. Farmers held flat.
These are smaller books than State Farm’s, and in a hard market smaller regional and specialty writers are often the ones still competing for new business while the nationals reprice. That is exactly the situation where shopping pays.
What to do about it
In a Gulf Coast market, check your wind and hail deductible first — it is often a percentage of dwelling coverage rather than a flat dollar amount, and it is the single biggest lever on a Louisiana home premium. Confirm your dwelling coverage still matches replacement cost rather than an inflated automatic adjustment. Then get quotes from Allied Trust, Hanover and Farmers, and price your auto policy alongside it — bundling is usually the largest discount available, and it matters more when the base premium is this high.