Louisiana Title Insurance Cost: What an Owner's and Lender's Policy Costs

An owner's title insurance policy on a $260,300 Louisiana home costs about $1,270, and the lender's policy issued with it about $125, under the filed rate schedule. The owner's policy rate is a flat $100 up to $12,000, $5.40 per $1,000 from $12,000 to $50,000, $4.80 per $1,000 from $50,000 to $100,000, $4.50 per $1,000 from $100,000 to $500,000, $3.60 per $1,000 from $500,000 to $1,000,000, $3 per $1,000 from $1,000,000 to $2,000,000, $2.70 per $1,000 from $2,000,000 to $10,000,000, $2.40 per $1,000 from $10,000,000 to $15,000,000, $2.10 per $1,000 from $15,000,000 to $25,000,000, $1.80 per $1,000 from $25,000,000 to $35,000,000, $1.50 per $1,000 above $35,000,000, with a minimum premium of $100 (the price is rounded up to the next $1,000).

Louisiana title insurance by purchase price

Purchase price	Owner's policy	Lender's policy (issued together)	Both policies
$150,000	$770	$125	$895
$200,000	$995	$125	$1,120
$250,000	$1,220	$125	$1,345
$300,000	$1,445	$125	$1,570
$350,000	$1,670	$125	$1,795
$400,000	$1,895	$125	$2,020
$450,000	$2,120	$125	$2,245
$500,000	$2,345	$125	$2,470
$600,000	$2,705	$125	$2,830
$700,000	$3,065	$125	$3,190
$800,000	$3,425	$125	$3,550
$1,000,000	$4,145	$125	$4,270

Louisiana uses filed rates: underwriters file their rate manuals with the state insurance department, and the filed schedule below is what a policy costs; competing underwriters file similar or identical schedules. Schedule shown: Louisiana Title Statistical Services Organization (LATISSO) rate manual (used identically by member/subscriber underwriters, including WFG, whose hosted copy was fetched).

Louisiana title insurance calculator

Enter a purchase price to see the owner's and lender's policy premiums from the filed Louisiana rate schedule.

Who pays for the owner's policy

Who pays for the owner's policy in Louisiana is negotiable in the purchase contract. The LATISSO manual sets premiums only, not who pays; Louisiana custom (buyer commonly pays in most parishes, though this varies) and the act of sale/purchase agreement decide, not statute. Source

When the owner's and lender's policies are issued together at closing, the lender's policy is charged at the reduced simultaneous-issue rate (a flat $125); that is the lender figure used on this page.

Title insurance at the county median price

The rate schedule is statewide; what changes from county to county is the home price. The ten most populous counties are shown; every Louisiana county is in the list below.

County	Median home price	Owner's policy
Caddo Parish	$175,900	$887
Calcasieu Parish	$208,500	$1,036
East Baton Rouge Parish	$241,800	$1,184
Jefferson Parish	$243,500	$1,193
Lafayette Parish	$234,200	$1,153
Livingston Parish	$218,900	$1,081
Orleans Parish	$296,400	$1,432
Ouachita Parish	$183,000	$919
St. Tammany Parish	$272,200	$1,324
Tangipahoa Parish	$204,600	$1,018

All 64 Louisiana counties

Title insurance in Louisiana cities

City	Median home price	Owner's policy
New Orleans	$296,400	$1,432
Baton Rouge	$224,500	$1,108
Shreveport	$178,100	$901
Metairie	$308,900	$1,486
Lafayette	$251,300	$1,229
Lake Charles	$204,000	$1,013
Kenner	$241,800	$1,184
Bossier City	$192,300	$964

What the two policies cover

The owner's policy protects your equity against title defects that predate your purchase: undisclosed liens, forged deeds, missing heirs, recording errors. The lender's policy protects only the mortgage lender for the loan amount and is required by nearly every lender. Premiums are one-time and paid at closing. Because underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.

Frequently asked questions

How much is title insurance in Louisiana?

On a $260,300 home, the Louisiana median, an owner's title policy costs about $1,270 under the filed rate schedule, and the lender's policy issued with it costs $125, so both policies together are about $1,395. The premium rises with the purchase price; the table on this page shows it from $150,000 to $1,000,000.

Who pays for title insurance in Louisiana?

Is title insurance a one-time cost?

Yes. Both the owner's policy and the lender's policy are paid once at closing and cover the property for as long as you (or your lender) hold an interest in it. There are no annual premiums.

Can I shop for title insurance in Louisiana?

Yes. Louisiana underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.

Sources

Rates as filed or promulgated, checked September 22, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.

See all Louisiana buyer closing costs →

Premiums are computed from the rate schedule cited above and rounded to the dollar; your title company's quote may add endorsements, search and settlement fees. This is general information, not financial advice.

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