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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.
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.
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.
| Cheapest Companies | |
|---|---|
 GEICO | $148/mo |
 Progressive | $158/mo |
 State Farm | $171/mo |
 The General | $220/mo |
 American Family | $466/mo |
Louisiana Cities | |
|---|---|
| New Orleans | $418/mo |
| Baton Rouge | $240/mo |
| Shreveport | $263/mo |
| Metairie | $321/mo |
| Bossier City | $233/mo |
| Louisiana | $295/mo |
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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:
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:
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.
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.
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.
| Driver's Age | |
|---|---|
| teens | $616 |
| 20s | $313 |
| 30s | $348 |
| 40s | $154 |
| 50s | $157 |
| 60s | $189 |
| 70s | $404 |
| 80s | $131 |
| Driving History | |
|---|---|
| No Violation | $254 |
| Speeding Ticket | $296 |
| At-Fault Accident | $439 |
| Failure to Stop for Red Light / Stop Sign | N/A |
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.
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.
| Credit Tie | |
|---|---|
| Excellent | $199 |
| Good | $327 |
| Average | $379 |
| Poor | $224 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
