Cheapest Auto Insurance in Bossier City, Louisiana (2025)

Drivers in Bossier City pay an average of $141 per month for car insurance. This is significantly lower than the average cost of car insurance in Louisiana of $175 but higher than the national average of $151.

Residents in the Pelican State face some of the highest car insurance costs in the nation due to a high risk of damage from extreme weather in the state.^[1] Bossier City has a relatively low population density, which may explain why drivers in the city pay lower rates than the state average.

The best way to shop for car insurance is to compare quotes from multiple insurers at once. Here’s what you need to know about finding cheap car insurance in Bossier City.

3 of the cheapest car insurance companies in Bossier City

Every driver has a unique situation that affects their car insurance costs. Some factors that affect your costs include your driving record, age, and credit history. With so many factors in play, the best way to find the cheapest rates is to compare quotes from different companies.

While shopping around can help you lock in the best rate, some insurance companies offer better rates than others. You can start your search below for low rates with three of the cheapest car insurance companies in Bossier City.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
State Farm	9.3	$129	$88	Cheap rates
USAA	9.1	$162	$110	Veterans
GEICO	9.2	$220	$162	Families

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

cheap rates

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User Reviews	4.1 6,023 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$52/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$85/mo

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Driver Reviews

4.1

Best choiceBased on 11,208 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,023)

Connie

June 15, 2025

Verified Review

Lack of Communication and Unexplained Premium Increases

It seems like my monthly premium goes up every few months without any explanation. I have only had one minor accident with them almost three years ago. They did process the claim right away and let me take it to the place I requested, which was nice because they did a great job fixing it.

Mark

June 14, 2025

Verified Review

State Farm: Reliable and Fair

Auto premium spiked but it may be related to owning a Tesla, and it appears to be in line with other insurers.

Conrad

June 13, 2025

Verified Review

Good and Bad with State Farm

Long-term customer, great rates. Local agents are terrible with poor office management and poorly trained/motivated employees.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm offers drivers in Bossier City some of the cheapest rates for liability-only and full-coverage policies. In addition to cheap rates, State Farm earned an above-average J.D. Power customer satisfaction rating in the Southeast region.

You can take your savings even further by bundling your auto insurance policy with one of the many other insurance products State Farm offers. These include renters insurance, home insurance, life insurance, ATV insurance, motorcycle insurance, boat insurance, and pet insurance.

Pros

• AM Best financial strength rating of A++ (Superior)

• Discounts for young drivers

Cons

• Some negative customer reviews on Trustpilot

• Doesn’t offer gap insurance

Best insurer for veterans: USAA

veterans

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User Reviews	4.9 1,191 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$65/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$107/mo

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Driver Reviews

4.9

Best choiceBased on 2,093 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,191)

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

Norman

June 7, 2025

Verified Review

USAA Value

Expensive for coverage.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

880

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

More than 5,000 veterans live in Bossier City who can likely take advantage of the affordable rates USAA offers.^[2] The insurer offers insurance coverage to military members, veterans, reserve members, and their immediate family members.

If you qualify for insurance from USAA, the affordable rates and top claims satisfaction ratings could make it the right fit for your situation.

Pros

• Above-average J.D. Power customer satisfaction rating

• Safe drivers can save up to 30% with the SafePilot program

Cons

• Must have a military family connection to qualify for coverage

• No customer service hours on Sunday

Best insurer for families: GEICO

families

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User Reviews	4.0 6,421 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$84/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$139/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 11,947 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,421)

William

June 10, 2025

Verified Review

There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.

There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.

Peter

June 8, 2025

Verified Review

Average Insurance. Constant Price Hikes.

Beware of the constant price hikes despite having no accidents or tickets for 40 years.

Philip

June 5, 2025

Verified Review

High Price for Full Coverage

They are good but offer no rate deductions.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

About 24% of the population of Bossier City are younger than 18, so many families can appreciate the array of discounts GEICO offers. Many households can tap into discounts for safe driving, multiple vehicles, driver’s education courses, and good students.

Plus, GEICO offers accident forgiveness as a coverage option that can give you more peace of mind as your new driver hits the open road.

Pros

• Offers accident forgiveness

• A suite of available discounts

Cons

• Below-average J.D. Power customer satisfaction rating in the Southeast region

• Doesn’t offer rideshare coverage

Find Cheap Car Insurance in Bossier City

Liability quotes in Bossier City start at $52 per month

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Based on 3,806+ reviews

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How to get the cheapest car insurance in Bossier City

Your age, location, driving record, credit history, and the type of vehicle you drive can all play a role in how much you pay for car insurance.^[3]

As you shop for the most affordable car insurance option, tap into the following strategies to lock in the best rates for your situation:

• Shop around. It’s critical to get quotes from multiple car insurance companies. Since each insurer uses a different method to determine rates, shopping around is the best way to find the lowest rates. When it’s time to renew your policy each year, take the time to shop around again because prices might have changed.

• Increase your deductible. Auto insurance companies offer a lower premium when you select a higher deductible. If you have enough cash reserves on hand to cover more expenses after an accident, then opting for the higher deductible can lead to up-front savings.^[4]

• Look for a discount. Many car insurance companies offer discounts. Find out if you qualify for any to further lower your auto insurance premiums. Sometimes, the faster way to find a discount is by asking an insurance agent if you qualify.

• Explore coverage options. Some policies cost more than others. For example, liability-only car insurance policies are often cheaper than full-coverage policies. Find the right level of coverage by weighing the costs against your risk.

• Bundle policies. Purchasing multiple types of coverage through the same insurer can lead to savings. For example, you might get your homeowners insurance and car insurance through the same company to score a discount.

Cheapest liability-only car insurance in Bossier City: State Farm

Liability-only car insurance policies tend to be the cheapest car insurance option. This policy type includes bodily injury and property damage liability coverage, which will cover the other driver’s resulting vehicle damages and medical expenses after an accident. It won’t help you pay to repair or replace your own vehicle after an accident.

In Bossier City, liability-only insurance costs an average of $103 per month. The table below breaks down average monthly premiums for liability-only policies from insurance companies in Bossier City.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$52
USAA	$65
National General	$80
Allstate	$84
GEICO	$84
Direct Auto	$86
Root	$89
Progressive	$99
Clearcover	$133
The General	$145
Liberty Mutual	$152
Bristol West	$171
Safeco	$193

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Bossier City: State Farm

A full-coverage car insurance policy provides more financial protection for drivers than liability-only coverage. It includes comprehensive and collision coverage in addition to liability coverage. After an incident, a full-coverage policy can help you repair or replace your own vehicle.

If you’re leasing a vehicle or paying off an auto loan, your lender might require you to carry a full-coverage car insurance policy. Opting for this more robust coverage can be a good idea even if you own your vehicle outright. It might be the best policy if you don’t have the money on hand to repair your vehicle after a car wreck.

A full-coverage policy in Bossier City costs an average of $178 per month. Compare average full-coverage policy quotes for Bossier City drivers below.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$85
USAA	$107
Allstate	$139
GEICO	$139
Root	$139
National General	$152
Direct Auto	$157
Progressive	$165
Clearcover	$214
Safeco	$221
Liberty Mutual	$225
The General	$293
Bristol West	$345

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Louisiana

Drivers in Louisiana must carry a minimum amount of car insurance. Without this baseline insurance coverage, it’s illegal to drive on public roads in the Pelican State.

Here are the specific minimum-coverage requirements for Louisiana drivers:^[5]

Coverage	Minimum Requirements
Bodily injury liability	$15,000 per person  / $30,000 per accident
Property damage liability	$25,000 per accident

Because liability insurance doesn’t cover your own vehicle repairs, you should consider purchasing optional coverages for further protection. Here are some common coverages to consider:

• 

  Collision coverage

  After an accident, collision insurance helps you pay for repairs to your own vehicle. A collision can include an accident with another vehicle or a crash with a tree, fence, utility pole, or other stationary objects.

• 

  Comprehensive coverage

  If a non-collision incident damages your vehicle, comprehensive insurance can kick in for repairs or replacing your vehicle. Commonly covered incidents include theft, vandalism, and severe weather.

• 

  Medical payments coverage

  Following a car accident, medical payments coverage can pay for medical treatment for you and your passengers.

Cheapest car insurance for drivers with an incident

Incidents on your driving record, like speeding tickets, driving under the influence, and at-fault accidents, often push your car insurance costs higher. After an incident, insurance companies consider you a riskier driver and they compensate for risk by increasing your premiums.

On average, Bossier City drivers with a past incident pay $117 per month for liability insurance.

The table below highlights how an incident can push average liability car insurance quotes higher in Bossier City.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
State Farm	$52	$62	$66	$80
USAA	$65	$78	$83	$100
National General	$80	$96	$101	$123
Allstate	$84	$100	$107	$129
GEICO	$84	$99	$109	$135
Direct Auto	$86	$104	$113	$132
Root	$89	$114	$117	$137
Progressive	$99	$119	$130	$153
Clearcover	$133	$165	$191	$205
The General	$145	$184	$193	$223
Liberty Mutual	$152	$187	$198	$234
Bristol West	$171	$208	$220	$263
Safeco	$193	$238	$260	$308

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Bossier City, LA

Monthly rates start at $59 for drivers with an incident

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Based on 3,806+ reviews

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Average cost of car insurance by age

Car insurance companies consider your age when determining premiums. Teen drivers pay more for car insurance than drivers with more practice on the road. But young adults, even drivers in their 20s, still typically pay higher rates than their older counterparts.

In general, drivers start to notice falling car insurance rates between the ages of 35 and 70. After age 70, rates often start climbing again for senior drivers due to aging-related risk factors.

Age	Average Monthly Quote
Teens	$516
20s	$346
30s	$257
40s	$231
50s	$209
60s	$213
70s	$210

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Bossier City car insurance quotes by credit tier

Insurance companies in the state of Louisiana can use credit-based insurance scores as a factor when determining your premiums.^[6] In general, drivers with excellent or good credit pay lower rates for car insurance than drivers with poor credit.

The table below shows average full-coverage car insurance quotes by credit tier in Bossier City.

Bossier City car insurance FAQs