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

cheap rates State Farm

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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.	$71/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.	$109/mo

Overview

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 and cons

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

Reviews

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023

Verified

Premiums jump every six months

Kenneth - January 31, 2023

Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023

Verified

Read our State Farm review

Best insurer for military members: USAA

Military MembersUSAA

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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.	$90/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.	$137/mo

Overview

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 and cons

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

Reviews

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

They Serve The Veteran.

Jack - September 7, 2023

Verified

Raised rates nearly 43%.

Jan - June 19, 2023

Verified

Read our USAA review

Best insurer for drivers with a DUI: National General

drivers with a DUINational General

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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.	$86/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.	$223/mo

Overview

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 and cons

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

Reviews

My monthly payments are too high.

Brett - January 17, 2023

Verified

They’ve had good rates for more than five years.

Diana - January 17, 2023

Verified

They have the best prices for car insurance.

Charde - December 23, 2022

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	71
USAA	90
Allstate	116
GEICO	117
Direct Auto	131
Progressive	138
Clearcover	141
The General	147
Bristol West	220

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	109
USAA	137
Allstate	178
GEICO	178
Direct Auto	187
Progressive	211
Clearcover	230
The General	248
Bristol West	374

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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]

Coverage	Minimum 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.

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.

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.

Full coverage

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

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]

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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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	160
USAA	201
Allstate	261
GEICO	261
Direct Auto	274
Progressive	310
Clearcover	337
The General	364
Bristol West	549

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	167
USAA	210
Allstate	273
GEICO	273
Direct Auto	287
Progressive	323
Clearcover	352
The General	380
Bristol West	573

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	189
USAA	237
Allstate	308
GEICO	308
Direct Auto	324
Progressive	366
Clearcover	398
The General	430
Bristol West	648

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	63
USAA	80
Allstate	104
GEICO	104
Direct Auto	109
Progressive	123
Clearcover	134
The General	144
Bristol West	218

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	219
USAA	275
Allstate	358
GEICO	358
Direct Auto	376
Progressive	424
Clearcover	462
The General	498
Bristol West	752

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.

City	Average Monthly Quote	Compared to Shreveport
Baton Rouge	$433	21%
Lafayette	$470	32%
Metairie	$486	36%
Monroe	$408	14%
New Orleans	$538	51%

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.

More cities in Louisiana

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Sources

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

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.

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Edited byKatie PowersAuto and Life Insurance Editor

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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Table of contentsCompare quotes

Find Car Insurance in Shreveport

Best car insurance companies in Shreveport

Best insurer for cheap rates: State Farm

cheap rates State Farm

Best insurer for military members: USAA

Military MembersUSAA

Best insurer for drivers with a DUI: National General

drivers with a DUINational General

Cheapest liability-only car insurance in Shreveport

Cheapest full-coverage car insurance in Shreveport

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Louisiana

Medical payments coverage

Uninsured/underinsured motorist coverage

Full coverage

Roadside assistance coverage

Cheapest car insurance for drivers with an incident

Find Car Insurance in Shreveport

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Shreveport

Find Car Insurance in Shreveport

Shreveport car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Shreveport?

More cities in Louisiana

Shreveport car insurance FAQs

Methodology

Related articles

More cities in Louisiana

Popular cities

Sources

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