Available Insurance Discounts in Lousiana

Per the Louisiana Department of Insurance, the following are discounts provided by the private insurance providers per Act 533

  • Allied Trust Insurance Company - 20%

  • Allstate Insurance - 26%

  • Gulf States - 5% to 10%-10%

  • LA Citizens - 7.2% to 24%

  • State Farm - 19% to 35%

  • Sage Sure - 20% to 30%

  • Travelers Companies - 8% to 24%

  • USAA - 63% to 81%

Louisiana homeowners who upgraded their roofs to meet Fortified standards saw an average annual insurance premium reduction of 22%, according to a report from the Louisiana Legislative Auditor.

A survey conducted by the auditor in 2025 found that 25.2% of homeowners participating in the Louisiana Fortify Homes Program experienced annual premium reductions of $2,000 or more