Best Car Insurance Rates in Shreveport, Louisiana

On average, your neighbors pay $102 a month.

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Compare Car Insurance in Shreveport

Monday, November 19 2018 By Aaron Besson

Shreveport, Louisiana’s third largest city, is known for its art community as well as the large nearby Airforce base. But if you’re looking for car insurance for your four wheels, QuoteWizard can help. Here you can read about Shreveport’s driving laws, average insurance rates, best insurers, and more.

Average Shreveport Insurance Rates

How much does car insurance cost in Shreveport, LA? New Orleans, LA is the second most expensive city for auto insurance in the nation. Unfortunately, this appears to have affected Shreveport as well. Average car insurance in Louisiana costs $1,231.77 per year. The national average price is $889.01

Louisiana (LA) Average Annual Car Insurance Rates
Coverage Rates
Liability $775.83
Collision $414.36
Comprehensive $215.17
Total Cost Per Year $1,231.77
Price Per Month $102.64
Source: Facts + Statistics: Auto insurance

The graph below shows the average Louisiana insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Shreveport car insurance increased from $1,1110 in 2011 to $1,231 in 2015. This is a jump of $121 dollars, or 10.91 percent.

Louisiana average car insurance rates

 QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. QuoteWizard can help you find cheap car insurance rates near Shreveport, Louisiana and save up to 40% on your premium.

Last year, 14,770 people used QuoteWizard to compare car insurance quotes in Shreveport, LA from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Shreveport, LA

These are the most popular car insurers reported by QuoteWizard users in Shreveport, Louisiana last year.

  1. State Farm
  2. GEICO
  3. Progressive
  4. Allstate
  5. USAA
  6. Liberty Mutual
  7. Esurance
  8. AAA
  9. Farmers
  10. Safeco
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles in Shreveport

These are the most popular makes and models owned by Shreveport, LA QuoteWizard users.

  1. Ford F-150
  2. Nissan Altima 2.5/S 
  3. Nissan Sentra S 
  4. Honda Accord EX/LX
  5. Chevrolet Impala
  6. Chevrolet Tahoe C1500
  7. Nissan Versa S 
  8. Dodge Ram 1500
  9. Chevrolet Malibu
  10. Chevrolet Silverado C1500
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Shreveport, LA

Shreveport requires all its drivers to carry minimum liability coverage. The minimum is 15/30/25. This means your policy must include.

  • Individual Bodily Injury Liability (BIL): $15,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The maximum amount your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The most your carrier will pay for property damage caused by a car accident.

Recommended Coverage Levels 

Minimum coverage may look cheaper short term, but not if you have a crash. A policy with minimum coverage doesn’t pay for any of your damages after an accident. It only comes with liability coverage, which covers other drivers’ damages. And minimum liability levels are easy to exceed.

That’s why we recommend that drivers purchase the following coverage.

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Shreveport Drivers

Insurance is more expensive in areas with a high rate of accidents and bad drivers. How does Shreveport fare? QuoteWizard did a study on America’s worst driving states. The study found that Louisiana is the 26th worst state for driving.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.  

Weather

Shreveport winters can be incredibly dangerous. Low temperatures can affect your car in multiple ways. They can harden your tires, affecting road control. Cold motor oil can thicken, affecting your engine’s performance. Add the dangers of low visibility from snow and slick ice, all of these add up to extra risk on the road.

Shreveport sees 51 inches of rainfall per year on average. This is thirteen inches above the national average.

Road Conditions

TRIP reports that 36 percent of Shreveport's roads are in poor condition. Driving on bad roads costs drivers $727 a year in extra car operating costs.

Traffic Congestion

The INRIX traffic scorecard ranks Shreveport as the 195th worst US city for traffic congestion. Shreveport drivers spend an extra seven hours yearly in traffic.

Moving Violations

Citations and at-fault accidents can affect your driving record. Drivers with tickets and accidents on their driving record pay more for car insurance.  

Traffic Tickets

Shreveport Police issued 31,348 traffic citations in 2017.

DUI and DWAI Arrests

A DUI can affect your insurance rates badly. In 2017, Shreveport Police made 545 DWI arrests.  Our data shows that drivers with a DUI spend an average of $830 more per year for auto insurance.

SR-22 DUI/DWAI Insurance

Shreveport, Louisiana drivers with a suspended license due to DUI must file an SR-22 form. Louisiana SR-22 minimum liability insurance is:

  • $15,000 for injury or death of one person in an accident
  • $30,000 for injury or death of two or more people in an accident
  • $25,000 for property damage

You are required to carry the SR-22 for three years.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Shreveport Police reported 9,557 total crashes.

Traffic Fatalities

Shreveport reported 25 crash fatalities in 2017.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Shreveport Police reported 882 auto thefts in 2017.

Car Insurance Discounts in Shreveport

Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Shreveport drivers can use. Get a quote and find out which discounts you qualify for.

Looking for ways to get a discount? Shreveport drivers have many options:

  1. If you’re 55 or over, see if a senior citizens discount is available
  2. Have more than one car? Look into a multiple car discount
  3. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  4. Bundle your car insurance with your home or renters insurance, you can cut up to 20 percent off your premium
  5. Make sure your car as up-to-date safety features and anti-theft devices

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