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Key Takeaways

  • 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.

Although Shreveport's car insurance rates are less expensive than those in other significant Louisiana cities, they are still higher than the national average, necessitating comparison searching to save money.

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) Louisiana Average United States Average
$2208 $1002 $1557

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.

Insurance Company Average Rate (annual)
Southern Farm Bureau $1509
State Farm $1893
Allstate $2487
Progressive $2601

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.

Sound tiresome? You can obtain the best coverage while saving time and money with the Way.com app, which can do the task quickly.

See what you could save on auto insurance

Shreveport Auto Insurance Premiums by Age Group

Drivers in their 20s pay the most ($2979 annually) for car insurance in Shreveport. The premium is considerably higher for those in their 30s ($2181).

You become more skilled on the roads as you get older. That experience could truly pay off in terms of your monthly premium. As you can see, drivers between 18 and 24 pay significantly more than older drivers.

On average, your monthly premium should decline once every ten years. But your rates in Shreveport can increase after you reach retirement age.

Age tier Average Yearly Rate
Under 18 $16,373
18-24 $2,537
25-34 $1,601
35-44 $1,637
55-64 $1,373
65+ $1,769

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.

Marital Status Average Annual Rate
Single $2100
Married $2100
Divorced $2208
Widowed $2187

Shreveport Auto Insurance Premiums by Gender

Another element that may impact auto insurance premiums is gender. In general, women typically pay less for auto insurance than males do.

For example, in Shreveport, female drivers pay $108 more annually for car insurance than male drivers.

Gender Average Annual Rate
Female $2316
Male $2208

Shreveport Auto Insurance Premiums by Driving Record

A good method to reduce insurance costs has a clean driving record. DUIs, DWIs, reckless driving infractions, at-fault accidents, and speeding tickets can increase insurance rates. Your driving history might significantly impact your auto insurance prices. Drivers with clean records will pay significantly lower rates than those with infractions.

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.

You will be subjected to heavier punishments if your BAC is 0.15% or above.

Accidents, citations, and other traffic violations can quickly add to your monthly bill. So, if you want to find inexpensive auto insurance, drive safely and maintain a good driving record.

Incident/Violation Average Yearly Rate
DUI/DWI $3237
Reckless Driving $3135
At-fault Accident $3278
Speeding Ticket $2649

Shreveport Auto Insurance by Credit Rating

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.

Credit Score Average Yearly Rate
Very Poor $4263
Fair $2757
Good $2028
Very Good $2010
Exceptional $1809

Shreveport Auto Insurance by ZIP Code

The cost of car insurance in Shreveport depends on where you reside. Check out the variations in auto insurance costs by Shreveport, Louisiana, ZIP code.

Zip Code Annual Premiums
71101 $5013
71103 $5241
71104 $4959
71105 $4659
71106 $5142
71107 $4788
71108 $5412
71109 $5112
71115 $4761
71118 $4899
71119 $4863
71129 $4839

Your rate may differ not just from state to state or city to city but even from block to block due to state laws and risk assessments linked with zip codes.

Finding the optimal coverage becomes difficult when so many variables are at play.

Way.com aims to make car insurance comparison easier by providing reliable quotes from more than 200 leading insurance companies.

See what you could save on auto insurance

What would increase your car insurance rate in Shreveport?

When determining how much to charge for a policy, auto insurance companies consider several criteria. We highlighted the ones that impact your coverage, but others depend on where you park your car.

These include items such as

  • Local insurance laws
  • Crime rates
  • Off-street parking availability
  • Number of drivers and car accidents

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.

Liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage are often included in so-called "full-coverage" policies, as was previously indicated.

You can look into unique add-ons to supplement that coverage tailored to your needs, car, and circumstance. For example, do you frequently travel on secluded backroads?

You might be able to escape a sticky situation with towing and labor coverage. Work for a ride-sharing business?

Don't forget to purchase rideshare insurance. You can even purchase specific insurance if your car has a high-end audio system.

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.

Download Way.com, the first amazing app for auto owners and your key to optimum insurance, to discover the finest coverage alternatives for your car in Shreveport!

Accidents Statistics in Shreveport

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

FAQ

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:

  • 08 percent or more at the age of 21 or older
  • 4% plus for drivers of commercial vehicles
  • 02 percent or more among those under 21

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