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

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Bossier City, LA Driving Facts

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.

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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.

Driver's AgeAvg. Monthly Cost
teens$616
20s$313
30s$348
40s$154
50s$157
60s$189
70s$404
80s$131
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$199
Good$327
Average$379
Poor$224

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Bossier City stacks up for the state of Louisiana:

dodge
Dodge Charger
Most Popular Car in
Bossier City, LA
suspended licenses
#19
Cities with Most
Suspended Licenses Rank

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.