Cheapest Auto Insurance in Shreveport, Louisiana (2024)

State Farm has the cheapest liability coverage in Shreveport, with an average monthly cost of $65.

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 June 13, 2024

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Cheapest recent rates near Shreveport, Louisiana

Recent Shreveport, Louisiana car insurance prices for Jeep, Chevrolet, Ford , and more.

*Quotes generated for Insurify users in and around Shreveport, Louisiana within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

In Shreveport, drivers pay $137 per month for liability car insurance, which is lower than the state average of $154.

The average cost of coverage is more expensive in Shreveport — and other Louisiana cities — than the national average cost of car insurance. Caddo Parish, which includes Shreveport, had the third-most traffic fatalities in Louisiana in 2022.[1] The high rates of traffic fatalities in the state and its exposure to property damage from severe weather likely lead to more expensive insurance rates.

Here’s what you need to know about comparing quotes and finding cheap auto coverage in Shreveport.

Quick Facts
  • State Farm, USAA, and Allstate have the cheapest liability insurance in Shreveport.

  • The average cost of full-coverage insurance in Shreveport is $266 per month, which is lower than the state average of $298 but higher than the national average of $215.

  • Comprehensive insurance can cover vehicle damage from flooding, though liability and collision insurance don’t.[2]

3 of the cheapest 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.

The quotes below reflect national average costs for U.S. drivers.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm4.6$117$54Cheap rates
USAA4.7$160$77Military members
National General3.4$160$77Drivers with a DUI
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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.
4.6
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.
$65/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.
$106/mo

State Farm is the most affordable car insurance company in Shreveport. With an Insurify Quality (IQ) Score of 4.6 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 southeast region in the J.D. Power 2023 U.S. Auto Insurance Study[3]

Cons
  • Gap insurance not available

  • Some online customer complaints cite rate increases after accidents

  • Fewer discounts than some insurers

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

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.
4.7
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.
$81/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.
$133/mo

USAA offers standard coverage options to active, reserve, and retired military members — and eligible family members. The company offers low rates in Shreveport. USAA’s high IQ Score of 4.7 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

Read our USAA review
Dorothy - June 13, 2024
Verified

Price

It's a good company, but the price increases every year.

Steven - June 13, 2024
Verified

Hopeless

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

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.
3.4
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.
$127/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.
$254/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.  

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

Read our National General review
Walter - June 12, 2024
Verified

Uncomfortable with Unannounced Insurance Increase

They increase your insurance without any notification.

Robin - June 12, 2024
Verified

Find Another Company

Overpriced.

Yannika - June 3, 2024
Verified

Payment Increased Midway Through Policy

I was displeased when I was audited midway through my policy and my payment increased to three times what I was originally paying. I am not satisfied with this.

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.

Find Cheap Auto Coverage in Shreveport

Liability quotes start at $65/mo

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Cheapest liability-only car insurance in Shreveport: State Farm

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.

The average cost of liability insurance is $137 per month. Here are the cheapest liability-only coverage options in Shreveport.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$65
USAA$81
Allstate$106
GEICO$106
Direct Auto$107
Progressive$125
Clearcover$136
The General$142
Bristol West$210
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: State Farm

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.[4]

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. On average, Shreveport drivers pay $266 per month for full-coverage insurance.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$106
USAA$133
Allstate$172
GEICO$173
Direct Auto$198
Progressive$204
Clearcover$222
The General$261
Bristol West$377
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 recent rates near Shreveport, Louisiana

Recent Shreveport, Louisiana car insurance prices for Jeep, Ford, Nissan , and more.

*Quotes generated for Insurify users in and around Shreveport, Louisiana within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.[5] If you wish to file a lawsuit related to a car accident, you typically must do so within a year.[6]

The state requires drivers to carry liability insurance with the following minimum limits:[7]

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.[8] 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.[9]

Find Car Insurance in Shreveport

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Having 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.

The average cost of liability car insurance for Shreveport drivers with a speeding ticket is $206 per month. Find the cheapest liability-only rates for Shreveport drivers with a speeding ticket below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
State Farm$65$86
USAA$81$108
Allstate$106$141
GEICO$106$142
Direct Auto$107$144
Progressive$125$167
Clearcover$136$183
The General$142$192
Liberty Mutual$163$239
Midvale Home & Auto$205$283
Bristol West$210$279
Root$246$348
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: State Farm

You’re likely to see an increase in premiums after an at-fault accident, according to the Louisiana Department of Insurance (LDI).[10] The amount of damage caused in your accident can also influence how much your rate increases.

On average, Shreveport drivers with an at-fault accident pay $215 per month for coverage. Here are the cheapest coverage options for liability insurance.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
State Farm$65$91
USAA$81$114
Allstate$106$149
GEICO$106$149
Direct Auto$107$153
Progressive$125$178
Clearcover$136$202
The General$142$203
Liberty Mutual$163$249
Midvale Home & Auto$205$304
Bristol West$210$291
Root$246$366
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: State Farm

Alcohol consumption was a factor in nearly 40% of Louisiana’s 972 traffic fatalities in 2021, according to National Highway Traffic Safety Administration data.[11] 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. On average, drivers in the city with a DUI pay $242 per month for liability coverage.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
State Farm$65$112
USAA$81$140
Allstate$106$183
GEICO$106$183
Direct Auto$107$185
Progressive$125$216
Clearcover$136$235
The General$142$245
Liberty Mutual$163$282
Midvale Home & Auto$205$354
Bristol West$210$363
Root$246$425
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: State Farm

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.[12] 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$49$80
USAA$63$103
Direct Auto$80$148
GEICO$82$134
Allstate$83$134
Progressive$87$141
Clearcover$106$172
The General$113$207
Liberty Mutual$126$189
Midvale Home & Auto$151$196
Bristol West$163$293
Root$196$300
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: State Farm

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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$115$187
USAA$140$230
GEICO$174$284
Allstate$193$313
Direct Auto$203$375
Progressive$235$383
The General$240$441
Clearcover$273$446
Liberty Mutual$313$471
Midvale Home & Auto$370$479
Bristol West$372$668
Root$393$601
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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Shreveport car insurance quotes by credit tier

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

Find average full-coverage 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 $105 per month for liability insurance and $215 for full coverage. On average, Shreveport drivers pay $137 per month for liability and $266 for full coverage. Statewide, Louisiana drivers pay $154 per month for liability and $298 for full coverage. Average rates in the state may skew high for a few different reasons, including high amounts of vehicle damage during hurricane season.

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.[13]

More cities in Louisiana

On average, Shreveport drivers pay $137 per month for liability coverage and $266 for full-coverage insurance. Despite Caddo Parish having the third-highest number of traffic fatalities in Louisiana, Shreveport has cheaper car insurance than some other Louisiana cities.

Compare average costs in Louisiana below for different cities.

CityLiability OnlyFull Coverage
Baton Rouge$187$359
Bossier City$124$274
Lafayette$165$316
Lake Charles$155$304
Metairie$158$316
New Orleans$158$316
Slidell$158$316

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, Shreveport drivers pay $137 per month for liability coverage and $266 for full-coverage insurance. This is lower than the state average rate of $154 for liability insurance and $298 per month but higher than the national average of $105 for liability and $215 for full coverage. Your specific rate depends on your driving record, age, credit history, insurer, and more.

  • Who has the cheapest car insurance in Shreveport?

    State Farm has the cheapest liability insurance in Shreveport, with an average quote of $65 per month. USAA and Allstate also have affordable liability coverage on average at $81 and $106 per month respectively.

  • What are the best car insurance companies in Shreveport?

    With low average rates, a high Insurify Quality (IQ) Score of 4.6 out of 5, and an AM Best financial strength score of A++ (Superior), State Farm is one of the best car insurance companies in Shreveport. On average, Louisiana drivers with coverage from State Farm pay $74 per month for liability insurance and $121 for full-coverage insurance. Other top companies selling coverage in the city include USAA and National General.

  • Why does Louisiana have such high car insurance?

    Louisiana drivers have an expensive average car insurance rate of $154 per month for liability insurance and $298 for full-coverage insurance 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. The city and ZIP code you live in, 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."
  2. Louisiana Department of Insurance. "Important Information about Flooding."
  3. J.D. Power. "J.D. Power 2023 U.S. Auto Insurance Study."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. Louisiana State Legislature. "CC 2323 Art. 2323. Comparative fault."
  6. NOLO. "Louisiana Car Accident Laws."
  7. Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
  8. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  9. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  10. Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance After an Accident."
  11. National Highway Traffic Safety Administration. "Traffic Safety Facts: 2021 Data."
  12. Insurance Institute for Highway Safety. "Fatality Facts 2021: Older people."
  13. FBI. "Louisiana Offenses Known to Law Enforcenment."
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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