120+ more*Quotes generated for Insurify users in and around Shreveport, Louisiana within the last 10 days. Last updated on November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Shreveport, Louisiana within the last 10 days. Last updated on November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Drivers in Shreveport, Louisiana, pay an average of $132 per month for car insurance. That breaks down to an average of $90 per month for liability-only coverage and $174 per month for full-coverage policies. Car insurance in Shreveport is cheaper than most of Louisiana, which has an average cost of $157 per month.
Although Shreveport is the state’s third-largest city, it has a surprisingly low population density. When combined with relatively short commutes, this could at least partially explain the city’s relatively low rates.[1] Additionally, its inland location shelters it from hurricanes, which isn’t true of cities in southern Louisiana.
Rates in Shreveport are significantly lower than those in New Orleans, where drivers pay an average of $190 per month. But across the Red River in Bossier City, drivers pay a little less, averaging $128 per month.
Louisiana state law requires drivers to carry a minimum amount of car insurance. In order to legally drive, you’ll need a policy with at least $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.[2]
State Farm offers the cheapest average liability rates to Shreveport drivers. The table below shows other affordable insurers for liability-only car insurance in Shreveport.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $44 |
| National General | $53 |
| Progressive | $53 |
| USAA | $55 |
| Allstate | $66 |
| Direct Auto | $74 |
| GEICO | $74 |
| The General | $88 |
| Bristol West | $100 |
| Root | $122 |
| Safeco | $133 |
| Hugo | $207 |
Liability quotes start at $44/mo.
You’ll only need a minimum-coverage policy to get behind the wheel in Louisiana. But for many drivers, basic coverage isn’t enough. If you want more robust financial protection, a full-coverage policy might be a better fit.
In addition to liability insurance, a full-coverage policy includes both comprehensive insurance and collision coverage. On average, Shreveport drivers pay $174 per month for full coverage.
Shreveport is vulnerable to flooding, and this type of policy could help you repair or replace your vehicle after flood damage.
The table below highlights the cheapest rates for full-coverage car insurance in Shreveport.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $98 |
| National General | $119 |
| Progressive | $124 |
| USAA | $124 |
| Allstate | $146 |
| GEICO | $165 |
| Direct Auto | $171 |
| Safeco | $224 |
| Root | $231 |
| Bristol West | $239 |
| The General | $280 |
Louisiana drivers pay an average of $157 per month for car insurance. At an average of $132 per month, Shreveport drivers pay significantly less for car insurance.
The city’s inland location and short average commute time of 19 minutes likely contribute to the relatively low car insurance costs. In cities closer to the coast with a higher risk of hurricanes, like New Orleans and Metairie, drivers pay monthly averages of $190 and $171 for car insurance, respectively.
Explore average car insurance costs in other Louisiana cities below.
City | Average Monthly Quote |
|---|---|
| Houma | $124 |
| Bossier City | $128 |
| Alexandria | $144 |
| Lafayette | $151 |
| Lake Charles | $156 |
| Slidell | $157 |
| Metairie | $171 |
| Baton Rouge | $178 |
| New Orleans | $190 |
*Quotes generated for Insurify users in and around Shreveport, Louisiana within the last 10 days. Last updated on November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Shreveport, Louisiana within the last 10 days. Last updated on November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record is a key factor insurance companies consider when setting premiums. Drivers with a clean driving record generally pay less for coverage than drivers with a past incident, like a speeding ticket, at-fault accident, or SR-22 requirement.
Take a look at the cheapest companies by driving record for Shreveport drivers below:
Cheapest car insurance for Shreveport drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Shreveport: State Farm
Cheapest car insurance for Shreveport drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with an OWI in Shreveport: State Farm
In this at-fault state, Louisiana drivers who cause an accident must pay for the other driver’s resulting medical bills and car repairs.[3]
In Shreveport, 4% of drivers have a speeding ticket on their driving record, 4% have an at-fault accident, and 0.6% have an operating while impaired (OWI) conviction, according to Insurify data. After an incident, drivers pay more for auto insurance.
The table below shows the average monthly insurance costs for Shreveport drivers by driving history.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $132 |
| Speeding ticket | $171 |
| At-fault accident | $187 |
| OWI | $179 |
Shreveport sits on the banks of the Red River, which has a history of flooding the area. During flooding events, the river can spill out of its banks and flood roadways.
The most recent major flood event in 2016 caused major damage to homes, businesses, and cars in the area. But relatively minor flooding events occur regularly, which can make the roads perilous.[4] If possible, avoid driving during flooding events. Unfortunately, it’s easy to get stranded in floodwaters on the roads here.
In addition to flooding, Shreveport usually sees several tornadoes each year, according to city data. If you receive a severe weather alert for tornadoes in the area, it’s best to stay off the roads.
An estimated 14% of Louisiana drivers are uninsured, according to the Insurance Research Council. This can lead to higher costs for everyone else. If you’re concerned about an incident with an uninsured driver, consider getting underinsured motorist coverage.
Shreveport drivers enjoy a relatively short average commute of 19 minutes. But traffic tends to back up on the city’s major arteries, including Interstate 49 and I-220. Also, I-20, which cuts through town, sees a lot of trucking traffic. The increased congestion through town often results in car accidents with the big rigs traveling through.
During Mardi Gras, Shreveport hosts multiple parade events. This often leads to multiple downtown road closures. Ongoing road work around Caddo Parish also results in road closures around town. For example, the state Department of Transportation and Development is repaving a stretch of U.S. Route 80 from state Highway 3094 to Johnson St., leading to occasional road closures.[5]
Monthly rates start at $55 for drivers with an incident
Shreveport teens can start driving as early as age 15 with a learner’s permit. After completing several requirements, including 50 hours of supervised driving, teen drivers can move up to an intermediate license at age 16. At age 17, teen drivers without any incidents may become eligible for a standard Class E driver’s license.[6]
Teen drivers face higher costs than older drivers with more experience, with liability policies for teens averaging $163 per month and full coverage averaging $315 monthly.
The table below shows the cheapest companies for teenage drivers in Shreveport.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $84 |
| Progressive | $96 |
| USAA | $99 |
| National General | $104 |
| Allstate | $119 |
| GEICO | $133 |
| Direct Auto | $143 |
| The General | $157 |
| Bristol West | $175 |
| Root | $182 |
| Safeco | $270 |
| Hugo | $374 |
Approximately 31,000 seniors call Shreveport home, according to the U.S. Census Bureau. As in other places, senior drivers in Shreveport often pay lower rates than their younger counterparts. Insurers tend to reward drivers with decades of experience on the road.
Shreveport’s seniors pay monthly averages of $86 for liability policies and $166 for full-coverage policies.
The table below highlights the cheapest insurers for senior drivers in Shreveport.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $37 |
| National General | $44 |
| USAA | $47 |
| Progressive | $51 |
| GEICO | $62 |
| Allstate | $63 |
| Direct Auto | $64 |
| The General | $79 |
| Bristol West | $88 |
| Root | $118 |
| Safeco | $122 |
| Hugo | $198 |
If you have more questions about getting Louisiana car insurance, the following answers may help.
Shreveport drivers pay an average of $132 per month for car insurance. That breaks down to $90 per month for liability-only coverage and $174 for full coverage.
State Farm offers the cheapest car insurance rates to Shreveport drivers, with liability policies averaging $44 per month. National General and Progressive also offer relatively affordable rates.
Shreveport’s inland location and relatively low population density likely contribute to its low rates. But your ZIP code, driving history, vehicle, and age can all affect your rates.
If you need to file a claim, first gather all the information, including pictures of the damage to your car, the other person’s insurance information, and a police report if necessary. Contact your insurer right away and submit your information either online or over the phone.
Start by comparing quotes across multiple car insurance companies to find the lowest rates. Also, look for discounts, like a safe driver discount or a good student discount. You might save by bundling auto insurance with other types of insurance, like home or renters insurance. Finally, consider increasing your deductible if you have full coverage.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
