| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| USAA | +9.2% | 76K | 3/15/26 | USAA-134777840 → |
| Allied Trust | −2.3% | 22K | 12/20/25 | ALTR-134663183 → |
| Hanover | −1.8% | 4K | 4/1/26 | HNVR-G134780663 → |
| Allstate | +3.8% | 102K | 1/29/26 | ALSE-134740068 → |
| Louisiana Farm Bureau | +14.8% | 7K | 10/1/25 | SFBC-134582157 → |
| Farmers | +0.0% | 4K | 12/28/25 | FAIG-134637040 → |
If your USAA renewal in Louisiana came in higher, this is the source: USAA filed for a rate increase (SERFF USAA-134777840) and it was approved at +9.2% on about 76,209 policyholders, effective March 15, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +9.2% is an average. Your USAA change ranges +44.7% to −38.8%.
A statewide rate change is one blended number, but USAA did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +44.7% and the largest decrease about −38.8%. So inside a “+9.2% average,” some USAA 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 USAA 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 →