Best Cheap Auto Insurance in Shreveport, Louisiana (2024)

The average cost of liability-only insurance in Shreveport is $281 per month.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated February 29, 2024 at 11:00 AM PST

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In Shreveport, Louisiana, the cheapest car insurance companies include State Farm, USAA, and National General. State Farm has the lowest average rates for liability-only and full-coverage policies. On average, Shreveport drivers pay $319 per month for car insurance.

The amount you pay for coverage will depend on your driving history, age, vehicle type, and coverage level. For example, full-coverage insurance — which includes liability, collision, and comprehensive coverage — costs $357 per month, on average.

Here’s what you need to know about finding auto coverage in Shreveport, Louisiana.

Quick Facts
  • The cost of auto insurance in Shreveport is 50% higher than the national average of $212 per month.

  • Caddo Parish, which includes Shreveport, had the third most traffic fatalities in Louisiana in 2022.[1]

  • Louisiana law permits insurers to consider credit history when determining premiums.

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Best car insurance companies in Shreveport

A few companies stand out in Shreveport for cheap car insurance quotes. State Farm, USAA, and National General consistently offer competitive rates, making them great options for drivers in the city. However, the best option for you depends on your driving profile and insurance needs.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$69/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.
$108/mo

State Farm is the most affordable car insurance company in Shreveport. Drivers with coverage from State Farm pay an average cost of $136 per month for car insurance. With an Insurify Quality (IQ) Score of 4.4 out of 5, it’s an excellent choice for budget-conscious drivers who don’t want to sacrifice coverage quality. Policyholders benefit from customizable coverage and 10 advertised discounts.

Pros
  • Cheapest average rates in Shreveport

  • 26 insurance agents in Shreveport

  • Above-average rating in the J.D. Power 2022 U.S. Auto Insurance Study[2]

Cons
  • Gap insurance not available

  • Some online customer complaints cite rate increases after accidents

  • Fewer discounts than some insurers

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$87/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.
$136/mo

USAA offers standard coverage options to active, reserve, and retired military members — and eligible family members. The company offers low rates in Shreveport. Customers pay an average of $171 per month for car insurance. USAA’s high IQ Score of 4.3 indicates solid financial strength and quality coverage.

Pros
  • Customizable policy options

  • Offers discount for garaging your car on a military installation

  • Below-average number of customer complaints, according to National Association of Insurance Commissioners (NAIC) data

Cons
  • Coverage not available to everyone

  • No local offices in Louisiana

  • No customer service hours on Sundays

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for drivers with a DUI: National General

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$79/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.
$188/mo

A subsidiary of Allstate, National General provides coverage to different types of drivers — including people with a DUI on their record. The company has at least seven advertised discounts and offers a number of optional coverage add-ons. National General policyholders in Shreveport pay $198 per month, on average. 

Pros
  • Offers non-standard policies with several add-on coverages

  • SR-22 filing available

  • Home and auto coverage bundling

Cons
  • May not offer coverage to repeat DUI offenders

  • Gap insurance not available

  • Poor mobile app ratings

Low prices.

Chad - November 18, 2023
Verified

Horrible service and does not appreciate customer loyalty.

Tiffany - October 31, 2023
Verified

Good insurance. Always on time.

Silvio A - October 16, 2023
Verified
Read our National General review

Cheapest liability-only car insurance in Shreveport

Liability-only coverage is often the cheapest car insurance option available, but it doesn’t provide robust coverage for your vehicle. When you have a liability-only policy, it covers the bodily injury or property damage you cause the other driver in an accident. It doesn’t cover any damage to your own vehicle.

Here are the cheapest liability-only coverage options in Shreveport.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm69
USAA87
Allstate112
GEICO112
Direct Auto122
Clearcover132
Progressive133
The General146
Bristol West217
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 Shreveport

Deciding on the right amount of coverage for your vehicle is one of the most important choices you make about your car insurance. Liability coverage only pays for damages and injuries you cause to others in an accident. Full-coverage policies include liability, collision, and comprehensive insurance to extend coverage to your vehicle, regardless of fault.[3]

You should consider purchasing full-coverage insurance if you have a new or valuable vehicle. And if you’re leasing or financing your vehicle, your lender may even require it. Find the cheapest full-coverage insurance options in Shreveport below.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm108
USAA136
Allstate176
GEICO176
Direct Auto199
Progressive210
Clearcover216
The General256
Bristol West376
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Louisiana

Louisiana operates under a comparative fault rule, which several other states in the U.S. also follow. In practice, this means that each party involved in an accident covers damages in proportion to their percentage of fault.[4] If you wish to file a lawsuit related to a car accident, you typically must do so within a year.[5]

The state requires drivers to carry liability insurance with the following minimum limits:[6]

CoverageMinimum Requirements
Bodily injury liability$15,000 per person and $30,000 per accident
Property damage liability$25,000 per accident

You should consider purchasing optional coverage beyond the minimum requirements for more financial protection. Learn more about the following common coverages to find the right balance between affordability and adequate coverage.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    This provides payment for medical expenses after a car accident, regardless of fault. You may see it referred to as MedPay coverage.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    In Louisiana, 11.7% of drivers are uninsured.[7] This coverage protects you from paying for medical expenses, property damage, and more if you have an accident with an uninsured or underinsured driver.

  • illustration card https://a.storyblok.com/f/162273/x/38dc81ba93/drive-1.svg

    Full coverage

    This policy type includes liability, collision, and comprehensive coverage to provide protection against accidents, theft, vandalism, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Specifics vary by insurer, but this add-on typically includes coverage for tire changes, jump-starts, towing, winching, and other vehicle services.

Cheapest car insurance for drivers with an incident

An incident refers to a moving violation reflected on your driving record, including at-fault accidents, speeding tickets, DUIs, and other moving violations. These violations can have a big effect on your car insurance rates.

Insurers use your past driving history to predict your risk level, and incidents demonstrate a greater risk of filing future claims. The severity and frequency of claims can also influence how much your past incidents affect your premium.[8]

Find Car Insurance in Shreveport

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Cheapest car insurance for drivers with a speeding ticket

The presence of a speeding ticket on your record can result in a higher car insurance premium, though a single ticket may not have a substantial effect. Insurance companies view speeding as an indicator of risky driving, so they may adjust premiums accordingly. When it comes to more minor violations like speeding, some insurers are more forgiving than others.

Find the cheapest rates for Shreveport drivers with a speeding ticket below.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm140
USAA179
Allstate232
GEICO232
Direct Auto274
Progressive288
Clearcover305
The General349
Bristol West504
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

You’re likely to see an increase in premiums after an at-fault accident, according to the Louisiana Department of Insurance (LDI).[9] The amount of damage caused in your accident can also influence how much your rate increases.

Here are the cheapest rates for Shreveport drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm147
USAA188
Allstate243
GEICO243
Direct Auto287
Progressive302
Clearcover365
The General365
Bristol West517
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Alcohol consumption was a factor in nearly 40% of Louisiana’s 972 traffic fatalities in 2021, according to National Highway Traffic Safety Administration data.[10] Due to the severity of the offense, driving under the influence almost always comes with serious consequences, including a substantial increase in insurance rates.

However, Shreveport drivers with a past DUI still have affordable coverage options available.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm177
USAA223
Allstate289
GEICO289
Direct Auto295
Progressive344
Clearcover354
The General420
Bristol West617
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Your age is another factor that affects car insurance rates. Drivers typically see steadily decreasing rates between their 30s and 70s, thanks to more experience on the road.

However, senior drivers older than 70 have a higher fatal crash rate per mile driven than younger drivers, according to the Insurance Institute for Highway Safety.[11] This higher accident risk can result in slightly higher premiums.

The companies below offer the cheapest car insurance for Shreveport senior drivers.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm59
USAA84
Progressive101
GEICO104
Allstate107
Direct Auto118
The General179
Clearcover188
Bristol West237
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Families with teen drivers often struggle to find affordable car insurance. Due to a lack of driving experience and greater tendencies for risky behavior, teenagers typically pay the highest rates for car insurance.

You can utilize some tips to get the best rate as a teen driver. First, consider staying on your parents’ insurance policy. You can also opt for a car with good safety ratings to qualify for lower rates. Lastly, if you’re a student, maintain good grades and ask your insurer about a good student discount to save on premiums.

Find the cheapest Shreveport insurers for teenagers below.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm191
USAA232
GEICO287
Allstate319
Direct Auto373
Progressive387
Clearcover399
The General423
Bristol West646
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Shreveport

Factors such as your age, driving record, type of vehicle, and coverage options can all play a role in determining your car insurance rate. But whether you’re a new driver or looking to switch companies, finding affordable car insurance in Shreveport might be easier than you think.

  • Consider higher deductibles. Opting for a higher deductible can lower your premiums, but you’ll pay more out of pocket if you need to file a claim.

  • Maintain a clean driving record. Avoid accidents and traffic violations that can lead to higher premiums by practicing safe driving habits.

  • Look for discounts. Take advantage of common discounts — such as good driver, multi-policy, or safety feature discounts — to reduce your insurance costs.

  • Bundle your policies. Bundling your car insurance with other policies, such as homeowners insurance or renters insurance, can often lead to additional discounts and overall savings.

  • Compare quotes. You can find the most competitive rates and coverage options by comparing quotes from different insurers.

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Shreveport car insurance quotes by credit tier

Insurance companies can use your credit score as a factor to set rates, according to the LDI. Drivers with excellent or good credit scores tend to pay lower insurance costs than those with poor credit scores. In Shreveport, the effect of a policyholder’s credit history on car insurance premiums can vary significantly across insurance companies.

Find average car insurance rates by credit tier in Shreveport below.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Shreveport?

Shreveport drivers generally pay more for car insurance than the national average of $212 per month. On average, Shreveport drivers pay $319 per month. Statewide, Louisiana drivers pay $366 per month for coverage. Average rates in the state may skew high for a few different reasons, in addition to high amounts of vehicle damage during hurricane season.

In Louisiana, insurers pay up to twice the amount in claim payments for bodily injury claims and property damage claims than they do in most of the rest of the country, advises John Parker Ford, deputy commissioner of the Louisiana Department of Insurance’s Division of Public Affairs.

In Louisiana, car insurance rates can also differ between cities and ZIP codes, depending on population density, traffic congestion, local accident statistics, crime rates, and more. For example, Shreveport ranks third in the state for the number of motor vehicle thefts, according to the FBI Criminal Justice Information Services Division.[12]

More cities in Louisiana

Despite Caddo Parish having the third-highest number of traffic fatalities in Louisiana, Shreveport is one of the cheapest cities in Louisiana for car insurance. On average, Shreveport drivers pay $357 per month for full coverage. Drivers pay 21% more for full-coverage insurance in Baton Rouge and 51% more in New Orleans.

CityAverage Monthly QuoteCompared to Shreveport
Baton Rouge$43321%
Lafayette$47032%
Metairie$48636%
Monroe$40814%
New Orleans$53851%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shreveport car insurance FAQs

Finding the right level of auto coverage for an affordable price doesn’t have to feel overwhelming. The information below should answer your remaining questions and help you navigate the process of finding the best Shreveport insurer for you.

  • How much is car insurance in Shreveport?

    On average, car insurance in Shreveport costs $319 per month. Drivers pay $281 for liability coverage and $357 for full-coverage insurance. This exceeds the national average rate of $212 per month. Your specific rate depends on your driving record, age, credit history, insurer, and more.

  • Why does Louisiana have such high car insurance?

    Louisiana drivers have an expensive average car insurance rate of $366 per month due to a few factors. Severe weather patterns, including hurricanes and tropical storms, can increase the amount of vehicle damage and claims filed, which increases an area’s insurance rates. City and ZIP code, rates of vehicle theft, population density, and more can influence rates.

  • Is Louisiana a no-fault state?

    No. Louisiana is an at-fault state operating under a comparative fault rule. Responsibility for damage and loss following an accident is proportional to each driver’s percentage of fault. Louisiana drivers can typically sue for damages up to a year after an auto accident.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. LSU Center for Analytics & Research in Transportation. "Section B: Fatal Information." Accessed July 10, 2023
  2. J.D. Power. "Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds." Accessed July 10, 2023
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed July 10, 2023
  4. Louisiana State Legislature. "CC 2323 Art. 2323. Comparative fault." Accessed July 10, 2023
  5. NOLO. "Louisiana Car Accident Laws." Accessed July 10, 2023
  6. Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance." Accessed July 10, 2023
  7. Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed July 10, 2023
  8. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 10, 2023
  9. Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance After an Accident." Accessed July 10, 2023
  10. National Highway Traffic Safety Administration. "Traffic Safety Facts: 2021 Data." Accessed July 10, 2023
  11. Insurance Institute for Highway Safety. "Fatality Facts 2021: Older people." Accessed July 10, 2023
  12. FBI. "Louisiana Offenses Known to Law Enforcenment." Accessed July 10, 2023
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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