How to find the cheapest car insurance in Shreveport
On average, auto insurance in Shreveport costs about $117 per month for minimum coverage liability insurance, and about $171 per month for full coverage insurance. In Shreveport drivers pay 3% more than the national average.
Jerry is a trusted resource for countless drivers in Shreveport seeking the best car insurance quotes. Let’s explore some of the savings that Jerry has uncovered for our customers in Shreveport.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $270 | 24 | 71101 | Nissan Sentra S | State Minimum | Yes |
| National General | $294 | 22 | 71108 | Chevrolet Malibu Ls | State Minimum | Yes |
| Progressive | $193 | 21 | 71108 | Ford Fusion Se | State Minimum | No |
| National General | $98 | 40 | 71115 | Nissan Rogue Select S | State Minimum | No |
| Bluefire | $103 | 40 | 71115 | Nissan Altima 2.5 | State Minimum | No |
Best car insurance companies in Shreveport
To narrow down the best car insurance options for Shreveport drivers, Jerry conducted the largest insurance shopping survey in the nation. We asked over 15,000 policyholders from across the country to rate their insurance providers on cost, customer service, ease of shopping and renewal, and claims handling.
Here’s what the survey respondents had to say about the best car insurance companies in Shreveport:
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Geico | 4.4 | 3.4 | 4 | 4.3 |
| Allstate | 4.3 | 3..7 | N/A | 4.3 |
| Progressive | 4 | 3.6 | 2.5 | 4.2 |
| State Farm | 3.9 | 2.6 | N/A | 4.1 |
| USAA | 3.8 | 3.8 | N/A | 3.6 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Shreveport
Louisiana’s car insurance laws require all drivers to buy liability insurance. Full coverage car insurance, is technically optional—but most drivers choose to buy it.
Cheap minimum liability insurance quotes in Shreveport
Louisiana drivers must maintain 15/30/25 liability limits.
- $15,000 of bodily injury liability coverage per person
- $30,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability coverage per accident
These two types of coverage ensure that your insurance company will pay for other drivers’ medical and vehicle repair expenses if you’re at fault in an accident.
Do you need more than minimum coverage in Shreveport?
While buying state minimum coverage will keep you in compliance with the law, it won’t do much to protect your wallet in the event of a crash.
Remember, liability insurance covers damages and medical bills that you’re responsible for. The average hospital stay following a car accident costs close to $60,000, while the average car on the road is worth about $48,000.
A single serious accident could saddle you with liability costs well over $100,000—well beyond the liability limits of a minimum coverage policy!
And because Louisiana’s car accident laws allow drivers to file personal injury lawsuits for up to a year after an accident, your liability will extend long past the actual incident.
Cheap full coverage car insurance quotes in Shreveport
One major drawback of a liability-only insurance policy is that it won’t protect your vehicle. Only drivers with full-coverage car insurance can submit insurance claims for physical damage to their own cars.
Full coverage isn’t a technical term, but it usually refers to policies that include collision coverage and comprehensive coverage on top of basic liability.
- Collision insurance: pays for damage to your vehicle caused by any kind of crash. Collision coverage can even pay if your car’s damaged in an encounter with a gnarly pothole—and since 23.3% of Louisiana’s roads are in poor condition, it’s a worthwhile investment for most drivers in Shreveport.
- Comprehensive insurance: pays for damage caused by something other than a collision. This typically includes vandalism, theft, and severe weather.
Full coverage insurance isn’t required by law, but it is required by lenders. If you lease or buy a car in Shreveport, you’ll need to carry collision and comprehensive insurance until your lease is up or your loan is paid off.
Check out the table below to see how Jerry helped Shreveport drivers balance their coverage needs with their budget!
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | Yes | Progressive | $270 | 24 | 71101 | Nissan Sentra S |
| State Minimum | Yes | National General | $294 | 22 | 71108 | Chevrolet Malibu Ls |
| State Minimum | No | Progressive | $193 | 21 | 71108 | Ford Fusion Se |
| State Minimum | No | National General | $98 | 40 | 71115 | Nissan Rogue Select S |
| State Minimum | No | Bluefire | $103 | 40 | 71115 | Nissan Altima 2.5 |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Average cost of car insurance in Shreveport
A full coverage car insurance policy costs Shreveport drivers an average of $1,403 per year or $117 per month. For drivers who stick to only minimum liability coverage, car insurance costs $2,052 per year or $171 per month, on average.
Every driver is different, and everything from your age and gender to your credit score, driving record, insurance history, and vehicle type could put your rates above or below the average in Shreveport.
Average cost of car insurance in Shreveport by zip code
When it comes to car insurance in Shreveport, the cost can significantly differ depending on your zip code. Each zip code within Shreveport possesses its own unique risk profile, directly influencing the corresponding insurance rates.
For instance, if you happen to reside in a neighborhood with a higher frequency of auto theft and accidents, your area will be classified as high risk, leading to higher rates.
Essentially, the level of risk associated with your zip code plays a pivotal role in determining whether you’ll pay more or less for coverage.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 71101 | $121 | $204 |
| 71103 | $109 | $318 |
| 71104 | $116 | $204 |
| 71105 | $112 | $214 |
| 71106 | $121 | $222 |
| 71107 | $99 | $234 |
| 71108 | $153 | $330 |
| 71109 | $119 | $270 |
| 71115 | $114 | $255 |
| 71118 | $94 | $240 |
| 71119 | $145 | $236 |
| 71129 | $179 | $302 |
Car insurance quotes in Shreveport by rating factors
Remember—every driver is different, and every insurance company uses a whole slew of rating factors to calculate your car insurance premium in Shreveport.
- Your age and demographics: Teens and other new drivers pay a higher rate for coverage than middle-aged drivers—and so do seniors over age 70. Gender can also affect rates in Louisiana.
- Your credit score: Research shows that drivers with poor credit file more claims. They also pay approximately 97% more than drivers with excellent credit—for the same coverage.
- Your driving record and claims history: Causing an accident, committing a violation, filing a claim, or letting your insurance lapse can all lead to higher premiums.
- Your driving habits: Louisiana drivers commute about 25 minutes per day—close to the national average. If you drive more or less than that, you’ll see your rates reflect the added (or lessened) risk of an accident.
- Your location: City zip codes carry a higher risk of accidents, theft, vandalism—-and insurance claims.
Cheap car insurance quotes in Shreveport after driving violations
The occasional speeding ticket might add a surcharge to your insurance policy, but drivers with multiple violations are at risk of earning the “high-risk” label from their insurance company.
Cheapest car insurance in Shreveport after DUI
Just one DUI violation in Shreveport can rack up thousands of dollars in fines, legal costs, and increased insurance premiums. The average rate increase after a DUI in Louisiana is 64%, but you can expect even higher increases if you’re convicted multiple times.
Drivers with DUIs tend to pay a lot more for car insurance—but you don’t have to resign yourself to unbearable premiums. Some insurers, like Progressive, give a DUI far less weight when calculating premiums, and Jerry can help you find the best rates in Shreveport based on your record.
Cheapest car insurance in Shreveport after an at-fault accident
Your rates will also go up after an at-fault accident—but not all companies will raise them by the same amount. Jerry has helped many Shreveport drivers save on car insurance after accidents.
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Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $270 | 24 | 71101 | Nissan Sentra S | State Minimum | Yes |
| At Fault With No Injury | National General | $294 | 22 | 71108 | Chevrolet Malibu Ls | State Minimum | Yes |
| Not At Fault | Bluefire | $103 | 40 | 71115 | Nissan Altima 2.5 | State Minimum | No |
| At Fault With No Injury | National General | $129 | 58 | 71104 | Ram 1500 Classic Tradesman | State Minimum | Yes |
| At Fault With No Injury | National General | $187 | 23 | 71115 | Ford Escape Limited | State Minimum | Yes |
Cheapest car insurance in Shreveport after other driving violations
No matter what violations show up on your Shreveport driving record, Jerry can help you save.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Defective Equipment | Bluefire | $103 | 40 | 71115 | Nissan Altima 2.5 | State Minimum | No |
| Careless Driving | Bristol West | $534 | 41 | 71115 | Kia Soul Lx | State Minimum | Yes |
| Careless Driving | Bluefire | $207 | 20 | 71105 | Ford F-150 | State Minimum | No |
| Other Minor | Bristol West | $539 | 47 | 71106 | Nissan Altima 2.5 | State Minimum | Yes |
| DUI | Bristol West | $250 | 43 | 71104 | Cadillac Cts Performance Collection | State Minimum | No |
Cheap car insurance quotes in Shreveport by age
Teen drivers pay high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.
Cheapest car insurance in Shreveport for young drivers
But for teens, the costs are even higher thanks to statistics that show a higher rate of accidents, crash fatalities, and violations among drivers aged 19 and below.
Those increased rates are even higher for male drivers, who show a higher rate of unsafe behaviors like distracted driving and skipping the seatbelt.
Young Shreveport drivers can save by staying on a family policy, qualifying for good student discounts, and using usage-based insurance tools—and by shopping with Jerry!
Cheapest car insurance in Shreveport for senior drivers
Many seniors actually pay less for car insurance than middle-aged drivers.
But around your mid-70s, your rates will start to go up because of increased rates of driver error and a much higher risk of accident fatalities. Even good drivers tend to see higher risks on the road at this age.
Cheap car insurance quotes in Shreveport based on insurance history
Insurance companies also want to see a continuous coverage history with no breaks or gaps.
Any car insurance lapse will lead to higher rates down the road.
Cheap car insurance quotes in Shreveport for drivers with poor credit
All major car insurance companies will run a soft credit check and use something called a “credit-based insurance score” when evaluating your application and setting your rates.
Drivers with good credit (700 or above) pay less, on average, than drivers with poor credit. Bad credit doesn’t just suggest a history of unpaid bills; studies actually show that drivers with poor credit tend to file more insurance claims.
Here’s how drivers with low credit scores saved with Jerry
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Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Progressive | $270 | 24 | 71101 | Nissan Sentra S | State Minimum | Yes |
| 660-750 | National General | $294 | 22 | 71108 | Chevrolet Malibu Ls | State Minimum | Yes |
| 550-659 | Progressive | $193 | 21 | 71108 | Ford Fusion Se | State Minimum | No |
| 550-659 | National General | $98 | 40 | 71115 | Nissan Rogue Select S | State Minimum | No |
| 550-659 | Bluefire | $103 | 40 | 71115 | Nissan Altima 2.5 | State Minimum | No |
Cheap car insurance quotes in Shreveport for popular cars
We’ll keep it simple: the more your vehicle costs to repair, the more it costs to insure.
This means that you’ll pay a higher rate if you drive:
- A brand-new vehicle
- A luxury car
- A sports car
- A hybrid or electric vehicle
- Any vehicle with hard-to-source components
If you drive one of Shreveport’s most popular models, you’ll likely see more moderate insurance rates, thanks to the wide availability of parts and lower cost of repairs.
Learn more: How to get car insurance before buying a car
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Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Nissan Altima 2.5 | Bluefire | $103 | 40 | 71115 | State Minimum | No |
| Nissan Altima Sl | Progressive | $180 | 34 | 71105 | State Minimum | Yes |
| Honda Accord Lx | Bluefire | $121 | 39 | 71106 | State Minimum | No |
| Honda Accord Ex | Progressive | $241 | 29 | 71106 | State Minimum | No |
| Nissan Altima S | Bluefire | $120 | 44 | 71106 | State Minimum | No |
How to lower car insurance costs in Shreveport
1. Shop around and compare quotes
To ensure you have the cheapest car insurance possible, experts advise comparing quotes from at least three different companies and reviewing rates every six months.
Luckily, Jerry makes this process easy! Jerry gathers quotes from a vast network of insurance providers, helping you discover the best auto insurance coverage at the best price. What’s more, Jerry is free of charge!
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. If you have a clean driving record insurers may offer discounts as a reward for your safe driving habits.
- Telematics discounts. Some insurance companies provide discounts to policyholders who use telematics. These devices monitor driving behavior and can lead to discounts for safe driving practices.
- Good student discounts. Some insurance companies offer discounts to students who maintain good grades.
- Bundling discounts. Bundle your homeowners insurance and auto insurance (or auto and renters insurance) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
In a pinch, raising your full coverage deductible in Shreveport could shave a small amount off of your usual costs.
Learn more: 11 Ways to lower car insurance
Why is car insurance in Shreveport so expensive?
Auto insurance rates are on the rise everywhere—but Louisiana is one of the most expensive states in the country for car insurance. Here are a few reasons why insurance in Shreveport can be costly:
- Higher motor vehicle fatality rates: In 2021, the Department of Transportation reported 887 fatal crashes in Louisiana resulting in 972 deaths. That’s 21 deaths per 100,000 residents—over twice the national average.
- More drivers per capita: Louisiana has a higher-than-average number of licensed drivers, leading to a higher risk of accidents.
- More expensive medical care: According to a 2022 report from Forbes Advisor, Louisiana has the second-highest healthcare costs of any state. Steep medical bills lead to higher liability insurance costs in Shreveport.
FAQ
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Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
