Cheap Auto Insurance Quotes in Bossier City, LA (2021)

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Located just east of Shreveport, Bossier City is a small city in northern Louisiana. Home to a casino, museum, and amusement park, it’s a popular destination for visitors. Driving in Bossier City is often an easy task, as traffic is minimal and several major roadways allow easy access to anywhere in the area. Motorists living in Bossier City should take the time to evaluate their auto insurance policy regularly to ensure they have enough coverage in the event of an accident.

Car Insurance in Bossier City, LA

The average cost of Louisiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bossier City, LA to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$148
$158
$171
$220
$466
GEICOProgressiveState FarmThe GeneralAmerican Family
Monthly $

Cheapest Car Insurance in Bossier City, LA

Here are the cheapest carriers in Bossier City for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$295
$418
$240
$263
$321
$233
LouisianaNew OrleansBaton RougeShreveportMetairieBossier City
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Bossier City, LA Driving Facts

louisiana

Minimum Car Insurance Requirements in LA

All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Louisiana are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liablity coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Louisiana state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Louisiana law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Louisiana is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Bossier City Car Insurance Rates by Driver Age

The variance in the average auto insurance premium that drivers pay in Bossier City is highly dependent on age. Teenagers are hit the hardest and should expect to pay around $615.33 in premiums. The rates for drivers in their 20s and 30s are also higher, with averages of $312.83 and $347.72, respectively. The two age groups where rates are substantially lower are the 40s and 50s, where average premiums are $153.62 and $156.63, respectively.

Driving History
No Violation$254
Speeding Ticket$296
At-Fault Accident$439
Failure to Stop for Red Light / Stop SignN/A

Bossier City Car Insurance Rates by Driving and Accident History

Driving records and accident history can have a huge impact on the average premium you pay for car insurance in Bossier City. Those who have no history violations are deemed less risky to insure and, as such, only pay on average $253.67 for coverage. Drivers with instances of violations and accidents in their past may pay a higher premium, depending on what the event was. Speeding violations are often considered minor, with a small increase in average premium to $253.67, while at-fault accidents carry a hefty penalty, raising rates to $438.20.

Bossier City Car Insurance Rates by Credit Tier

Taking care of your credit score can pay off in a big way if you live in Bossier City. Since people with excellent ratings are often considered less risky with their money and decisions, the average premium they pay is $198.50. As the credit score decreases, there is a natural increase in average premiums, culminating in the average category having rates of $378.75. One thing to note is that there are affordable options available in Bossier City for drivers with a poor rating that can help lower average premiums to $223.96.

Bossier City, LA DMV Information

Only one Louisiana Office of Motor Vehicles is located in Bossier City, with no offices in nearby Shreveport, making this singular site rather busy. The office is open Monday through Friday from 8 a.m. to 4 p.m., adding an additional challenge to those who work during regular business hours. Should you need to access DMV services in Bossier City, it’s recommended that you arrive early in the morning and plan on waiting a while.

Public Transportation in Bossier City, LA

SporTran, Bossier City’s public bus system, operates over 20 different routes in and around the city, making it easy to travel without a personal vehicle. Popular destinations in the area aren’t easily walkable, so you won’t often see people traveling on foot. Depending on the weather, you may opt for taking an Uber or Lyft to your destination, as the summer months can be very hot and humid.

Conclusion: How to get the best and cheapest car insurance in Bossier City, LA

Navigating Bossier City isn’t too terribly difficult, but it’s important to remember that Louisiana as a whole is home to a plethora of uninsured drivers. If you decide to get behind the wheel, it’s strongly recommended that you enroll in robust auto coverage. You don’t want to be in the position of paying out of pocket should an accident occur.

Shopping for car insurance is easy with Insurify. Motorists can compare real-time quotes from multiple insurance companies at once. You’ll be able to view any discounts you’re eligible for and will likely save more money on a policy than you thought possible.

Find local Bossier City agents

Maddox & Hughes Insurance Agency Inc
401 Hamilton Road, Bossier City, LA 71111
Montgomery Agency, Inc.
1913 Citizens Bank Drive, Bossier City, LA 71111
Beasley-Keith Insurance Agency,Inc.
1701 Old Minden Road, Bossier City, LA 71111-523
Campbell Insurance Agency
1800 Jimmie Davis Hwy Suite A, Bossier City, LA 71112-4595
Jackson Insurance Agency, Inc.
1656 Benton Rd., Bossier City, LA 71111-3736
Parnell-Robinson Insurance, Inc.
616 Barksdale Blvd., Bossier City, LA 71111
Tilley Insurance Agency, L.L.C.
4726 E. Texas St. #184, Bossier City, LA 71111
Pulley-White Insurance Agency, Inc.
1400 Barskdale Blvd., Bossier City, LA 71111
Assurance Risk Management Group, LLC
1743 Swan Lake Rd Ste C, Bossier City, LA 71111-5366
Risk Pros, Inc.
1000 Chinaberry Drive, Bossier City, LA 71111

Insurify Insights: How Bossier City Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Bossier City, LA
suspended licenses
#11
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Bossier City drivers measure up to their fellow Louisiana motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Bossier City

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bossier City drivers rank 8 in the number of car accidents per driver across all cities in Louisiana.

  • Rank within state: #8
  • Percent of drivers in Bossier City with an accident: 10.19%
  • Drivers in Bossier City, LA with an accident in their driving history paid on average 91.04% more than drivers with a clean record

Speeding Bossier City

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Louisiana, Bossier City drivers rank 8 in the number of speeding infractions per driver.

  • Rank within state: #8
  • Percent of drivers in Bossier City with a speeding ticket: 6.89%
  • Drivers in Bossier City, LA with a speeding ticket in their driving history paid on average 56.72% more than drivers with a clean record

DUI/DWIs Bossier City

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bossier City drivers rank 3 in the number of DUI’s per driver across all cities in Louisiana.

  • Rank within state: #3
  • Percent of drivers in Bossier City with a DUI: 1.93%
  • Drivers in Bossier City, LA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Bossier City

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bossier City is the Nissan Altima.

Hybrid/Electric Vehicle Ownership Bossier City

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bossier City drivers rank 10 in hybrid and electric vehicle ownership across all cities in Louisiana.

  • Rank within state: #10
  • Percent of drivers in Bossier City with a hybrid/electric vehicle: 0.42%

FAQs - Bossier City, LA Car Insurance

What is the minimum auto insurance coverage required in Bossier City?

Drivers don’t need much protection before they hit the road, as Louisiana only stipulates that you carry $15,000 for bodily injury and $25,000 for property damage. Car accidents can be far more costly than these limits, making it a smart idea to purchase additional coverage.

How expensive is car insurance in Bossier City?

Motorists in Louisiana tend to pay very high rates, as it’s one of the most expensive states in the nation for auto coverage. This is due to a number of factors, including the frequency of accidents and the number of uninsured drivers on the road.

Can I drive in Bossier City without car insurance?

If you operate a vehicle in Bossier City you must maintain continuous auto coverage. Individuals found without proof of insurance could face a $100 fine, which tends to be a small enough penalty that people are willing to risk driving without insurance.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.