When looking for car insurance in Shreveport, Louisiana, car owners can save about $129.
Southern Farm Bureau offers Shreveport residents cheap car insurance rates on average, but you should always shop around for the best deal.
Louisiana is an at-fault state.
How much does car insurance cost in Shreveport?
Car insurance quotes in Shreveport will set you back by $2208 annually. This is more expensive than the $1557 national average and the rate in Louisiana ($1002). When looking for car insurance in Shreveport, Louisiana, car owners can save an average of $129.
Shreveport is located at the intersection of Louisiana, Arkansas, and Texas. It started as Louisiana's oil capital but has since developed into a major cultural, educational, and commercial hub.
Continue reading to find out how much you can anticipate paying in Shreveport based on your credit score, gender, marital status, and other typical criteria.
Shreveport rates vs Louisiana and National Average
How much should Shreveport residents budget for auto insurance? How do rates in Shreveport compare to those in the surrounding communities, including all of Louisiana?
Shreveport Average (annual)
United States Average
Shreveport Auto Insurance Premiums by Company
Are you looking for cheap car insurance in Shreveport? We have gathered data on the most affordable and best car insurance in Shreveport. Below is the list of the top car insurance companies in Shreveport.
Rates for auto insurance might vary significantly from one company to another. However, Southern Farm Bureau offers the most reasonable prices for the average insurance customer in Shreveport.
Nobody in Shreveport can get the finest deal from a single company. So the best course of action is to compare rates from various carriers, especially if you've recently moved or want to maximize your coverage.
Shreveport Auto Insurance Premiums by Marital Status
The cost of a driver's auto insurance may occasionally depend on their marital status. Because they are more prone to submit claims, single drivers often pay more for insurance than married drivers in most US cities. In Shreveport, married drivers' auto insurance costs are $105 less than those of single drivers.
People who settle down and get married will pay a little less for auto insurance. Typically, this comes down to policyholders insuring many vehicles under one umbrella, which some insurers may reward with savings.
In Shreveport, single and married drivers pay almost the same amount for coverage, defying the general pattern where married drivers typically pay less than single drivers.
DUI and reckless driving are two of the most expensive traffic infractions from an insurance standpoint. Compared to the citywide average, a reckless driving ticket in Shreveport raises insurance rates an average of $927 a year. For comparison, a DUI conviction leads to a $1029 rise, and a speeding citation results in a $441 rate increase.
The credit score is another important component in insurance rating. Car insurance is often more expensive for drivers with poor credit records than those with excellent credit. In Shreveport, a rise in credit score from the "Very Poor" (300-579) to the "Exceptional" (800-850) tier is associated with a 58% decrease in the price of auto insurance.
One of the most effective moves a driver can make in the quest for lower auto insurance premiums is to move from the "Very Poor" credit rating to the "Fair" credit tier. In Shreveport, lowering your credit score to "Fair" is associated with a $1518 annual savings on vehicle insurance.
When considering purchasing new insurance or possibly relocating to a new house, it is imperative to be aware of these risks.
Auto theft statistics in Shreveport
Car insurance premiums may increase in areas with a high car theft rate. For example, according to FBI car theft data, 811 vehicles are stolen yearly in Shreveport, Louisiana.
Auto insurance requirements in Shreveport
Louisiana mandate bodily injury liability limits of $15,000 per person, $30,000 per accident, and $25,000 for property damage. Additionally, it would be best if you got personal injury protection insurance.
But those are merely the bare minimums that must be met to avoid a violation. In addition, if you are involved in an accident, your state-required insurance may not be enough to cover all of your costs, particularly if you or anybody else in your car is hurt or your automobile suffers major damage.
Because of this, experts typically advise carrying more coverage than is strictly necessary.
Whether you choose a full-coverage policy with comprehensive and collision insurance or stick to your state's minimum liability limits, your home state significantly impacts the cost of your financial protection against car-related charges.
It would be best if you had car insurance that satisfies the minimum legal criteria set forth by your state, irrespective of the carrier you choose. Typically, this entails purchasing a specified amount of liability insurance, but you can also be required to carry personal injury protection, medical payments coverage, and uninsured motorist coverage.
Louisiana is a no-fault state. In a no-fault state, insurance coverage does not begin depending on who was to blame for the accident. Therefore, personal injury protection is necessary because each driver's insurance will cover them in the event of an accident.
The likelihood of an accident increases the longer you drive. According to City-Data, the typical commute time in Shreveport, Louisiana, is 19.1 minutes.
Local accident statistics show that Shreveport experiences 17.8 fatal accidents per 100,000 residents annually. Unfortunately, in cases like this, you won't be covered by insurance, so drive carefully! In Shreveport, 8.80 percent of drivers had been in an accident, increasing the average rate by 122%.
Tips for Driving Safely in Shreveport
The amount of traffic and commute times are inversely correlated, with greater traffic resulting in longer commutes. For example, Shreveport, Louisiana, is the 905th most congested city in the world.
Driving Conditions in Shreveport, Louisiana
Wind - SSE 13 km/h
Wind Gusts - 26 km/h
Rain - 7.4 mm
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Is Louisiana an at-fault state?
Louisiana is an at-fault state. Therefore, in an accident, the blame will be assigned, and those injured may choose to file a claim with their own insurance company, a claim with the insurance company of the at-fault party, or launch a personal injury lawsuit.
How much does Shreveport car insurance cost after a DUI?
Your car insurance rate in Shreveport may rise by $1029 if you have a DUI on your record.
How much does your auto insurance go up in Shreveport after a speeding ticket?
Your insurance would increase by nearly 122% if you get caught speeding through Shreveport and receive a ticket. Also, remember that a larger rise could result from additional speeding penalties.
What is the legal blood alcohol limit in Shreveport, Louisiana?
Driving in Louisiana is prohibited at the following BAC levels: