Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Shreveport, Louisiana.

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Updated on Nov 21, 2024

Maria Cruz

Expert Insurance Writer & Editor

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance in Shreveport
Best car insurance companies in Shreveport
Best cheap car insurance quotes in Shreveport
Average cost of car insurance in Shreveport
Car insurance quotes in Shreveport by rating factors
How do different factors impact your car insurance costs in Shreveport?
Cheap car insurance quotes in Shreveport after driving violations
Cheap car insurance quotes in Shreveport by age
Cheap car insurance quotes in Shreveport based on insurance history
Cheap car insurance quotes in Shreveport for popular cars
How to lower car insurance costs in Shreveport
FAQ
Methodology
Meet our experts

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How to find the cheapest car insurance in Shreveport

On average,

auto insurance

in Shreveport costs about $140 per month for minimum coverage liability insurance, and about $269 per month for full coverage insurance. In Shreveport drivers pay 5% 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)	Customer	Car	Insurance coverage
Progressive	$287	Hettie, 27 Zip: 71108	Jeep Compass Latitude	• State Minimum Liability • Comp / Collision
Allstate	$223	Lawrence, 31 Zip: 71106	Nissan Frontier S	• State Minimum Liability • Comp / Collision
Safeco	$140	Ina, 67 Zip: 71115	Hyundai Sonata SE	• State Minimum Liability • Comp / Collision
Clearcover	$169	Edward, 28 Zip: 71129	Toyota Corolla L	• State Minimum Liability • Comp / Collision
National General	$108	Lina, 37 Zip: 71129	Nissan Sentra S	• State Minimum Liability

Last Updated Nov 20, 2024

Compare car insurance quotes now

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.

Progressive

Keith (61 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71119)

Chevrolet Colorado LT

$190

per month

Safeco

Ina (67 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71115)

Hyundai Sonata SE

$140

per month

Allstate

Mattie (36 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71108)

Chevrolet Impala LS

$166

per month

National General

Lina (37 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71129)

Nissan Sentra S

$108

per month

Bristol West

Francisco (25 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71106)

Honda Accord EX

$165

per month

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!

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$287	Hettie, 27 Zip: 71108	Jeep Compass Latitude
• State Minimum Liability • Comp / Collision	Allstate	$223	Lawrence, 31 Zip: 71106	Nissan Frontier S
• State Minimum Liability • Comp / Collision	Safeco	$140	Ina, 67 Zip: 71115	Hyundai Sonata SE
• 50,000/100,000 Liability • Comp / Collision	National General	$165	Brett, 35 Zip: 71118	Dodge Charger SXT
• State Minimum Liability • Comp / Collision	Clearcover	$169	Edward, 28 Zip: 71129	Toyota Corolla L

Last Updated Nov 20, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Shreveport

A full coverage car insurance policy costs Shreveport drivers an average of $1,674 per year or $140 per month. For drivers who stick to only minimum liability coverage, car insurance costs $3,230 per year or $269 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

Compare car insurance costs in other states

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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.

How do different factors impact your car insurance costs in Shreveport?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

Prohibited (or effectively prohibited): Louisiana currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Shreveport:

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.

Here’s how to navigate car insurance shopping if your Shreveport driving record is less than perfect.

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.

Progressive

Rosalie (43 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71104)

Cadillac CTS Performance Collection

$136

per month

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.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Progressive	$164	Bernice, 48 Zip: 71105	Chevrolet Colorado	• State Minimum Liability
At Fault With No Injury	Allstate	$223	Olivia, 30 Zip: 71106	Nissan Frontier S	• State Minimum Liability • Comp / Collision
Not At Fault	Safeco	$140	Lester, 66 Zip: 71115	Hyundai Sonata SE	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Bristol West	$250	Josie, 43 Zip: 71104	Cadillac CTS Performance Collection	• State Minimum Liability

Last Updated Nov 21, 2024

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.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Defective Equipment	Progressive	$127	Angel, 26 Zip: 71118	Ford Fusion SE	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Clearcover	$326	Roxie, 32 Zip: 71109	Toyota C-HR XLE	• State Minimum Liability • Comp / Collision
Driving on Sus. License	Progressive	$118	Rosalie, 29 Zip: 71119	Nissan Altima	• State Minimum Liability
Failure to Obey Signal	Bristol West	$307	Augusta, 32 Zip: 71109	Toyota C-HR XLE	• State Minimum Liability • Comp / Collision
Improper Passing	Bristol West	$200	Douglas, 22 Zip: 71101	Toyota Camry LE	• State Minimum Liability

Last Updated Nov 21, 2024

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!

Progressive

Lelia (21 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71129)

Mazda Tribute LX

$132

per month

Bristol West

Leona (24 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71107)

Honda CR-V EX

$267

per month

Clearcover

Connor (24 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71106)

Nissan Rogue S

$169

per month

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.

Progressive

Helen (67 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71106)

Mazda Tribute i

$140

per month

Safeco

Ina (67 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71115)

Hyundai Sonata SE

$140

per month

Clearcover

Mitchell (66 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71107)

Nissan Armada SV

$121

per month

Bristol West

Birdie (66 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71108)

KIA Forte LX

$163

per month

National General

Shane (65 years old)

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71103)

Toyota Camry CE

$89

per month

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.

Progressive

Jackson (58 years old)

Currently Insured

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71107)

Ford Escape SEL

$238

per month

Safeco

Mae (66 years old)

Currently Insured

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71115)

Hyundai Sonata SE

$140

per month

Allstate

Dorothy (30 years old)

Currently Insured

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71106)

Nissan Frontier S

$223

per month

Clearcover

Logan (27 years old)

Currently Insured

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71129)

Toyota Corolla L

$169

per month

Bristol West

Frederick (66 years old)

Currently Insured

Coverage

State Minimum

Shreveport, LA
(Zip Code: 71108)

KIA Forte LX

$163

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Great customer service plus they work with you on any issue you may have. Prices are fair and policy is easy to understand.

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Reliable insurance, great customer service!

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Very happy with National Generals service. Was skeptical at first but they are great!

Jessica

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

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$160	Gordon, 30 Zip: 71105	Honda Accord Sport	• State Minimum Liability • Comp / Collision
660 - 750	Bristol West	$280	Angel, 30 Zip: 71129	Nissan Kicks S	• State Minimum Liability • Comp / Collision
660 - 750	National General	$169	Ricky, 51 Zip: 71119	Chrysler 300C	• State Minimum Liability • Comp / Collision
550 - 659	Clearcover	$169	Logan, 27 Zip: 71129	Toyota Corolla L	• State Minimum Liability • Comp / Collision
< 550	Bristol West	$245	Cory, 30 Zip: 71105	Chevrolet Cobalt LT	• State Minimum Liability

Last Updated Nov 21, 2024

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.

MORE:

How to get car insurance before buying a car

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Honda Accord Sport	Progressive	$160	Gordon, 30 Zip: 71105	• State Minimum Liability • Comp / Collision
Toyota Camry LE	Bristol West	$200	Samuel, 22 Zip: 71101	• State Minimum Liability
Nissan Altima 2.5	Allstate	$77	Dorothy, 30 Zip: 71104	• State Minimum Liability

Last Updated Nov 20, 2024

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!

Compare car insurance quotes now

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.

MORE:

How to choose a car insurance deductible

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

How much is car insurance in Shreveport?

People living in Shreveport pay on average $140 per month – or $1,674 per year – on state-minimum liability coverage. Full coverage in Shreveport costs on average $269 per month or $3,230 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Shreveport?

Based on thousands of Shreveport drivers Jerry has worked with, car insurance in Shreveport costs an average of $140 per month for state-minimum coverage and $269 per month for full coverage. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free.

What is the best car insurance in Shreveport?

Bristol West, Kemper, and National General One Choice receive good ratings from Shreveport drivers, based on the largest car insurance survey in the nation conducted by Jerry.

What is the minimum car insurance in Shreveport, Louisiana ?

In Shreveport, Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following:

$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

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

Maria Cruz

Expert Insurance Writer & Editor

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

Licensed Insurance Agent — Expert Insurance Writer and Editor

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.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*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.