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Cheapest car insurance in Shreveport, Louisiana (Jun 2024)

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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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance in Shreveport

On average,
auto insurance
in Shreveport costs about $120 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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$238
Wesley, 58
Zip: 71107
Ford Escape SEL
• State Minimum Liability
• Comp / Collision
Allstate
$223
Harriett, 30
Zip: 71106
Nissan Frontier S
• State Minimum Liability
• Comp / Collision
Safeco
$140
Maurice, 66
Zip: 71115
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
Clearcover
$169
Laura, 27
Zip: 71129
Toyota Corolla L
• State Minimum Liability
• Comp / Collision
National General
$169
Ray, 51
Zip: 71119
Chrysler 300C
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 20, 2024

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 companyOverall ratingPriceClaims experienceCustomer 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
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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.
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.
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Annie (45 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71115)
carGMC Sierra K1500 SLE
$122
per month
card cover
Stephen (35 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71108)
carChevrolet Impala LS
$166
per month
card cover
Verna (39 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71108)
$152
per month
card cover
Nora (25 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71106)
$165
per month
card cover
Clearcover
Laura (27 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71129)
$169
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 coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$238
Wesley, 58
Zip: 71107
Ford Escape SEL
• State Minimum Liability
• Comp / Collision
Allstate
$223
Harriett, 30
Zip: 71106
Nissan Frontier S
• State Minimum Liability
• Comp / Collision
Safeco
$140
Maurice, 66
Zip: 71115
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
Bristol West
$280
Jeff, 30
Zip: 71129
Nissan Kicks S
• State Minimum Liability
• Comp / Collision
National General
$169
Ray, 51
Zip: 71119
Chrysler 300C
coverageLast Updated Jun 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.
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Average cost of car insurance in Shreveport

A full coverage car insurance policy costs Shreveport drivers an average of $1,442 per year or $120 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 CodeAverage State Minimum Coverage RateAverage 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.

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

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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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.
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Clearcover
Lelia (42 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71119)
carCadillac CTS Performance Collection
$285
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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$164
Mildred, 48
Zip: 71105
Chevrolet Colorado
• State Minimum Liability
At Fault With No Injury
Allstate
$223
Logan, 30
Zip: 71106
Nissan Frontier S
• State Minimum Liability
• Comp / Collision
Not At Fault
Safeco
$140
Antonio, 66
Zip: 71115
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Bristol West
$250
Walter, 43
Zip: 71104
Cadillac CTS Performance Collection
• State Minimum Liability
coverageLast Updated Jun 20, 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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Defective Equipment
Progressive
$127
Johnny, 26
Zip: 71118
Ford Fusion SE
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Clearcover
$326
Owen, 32
Zip: 71109
Toyota C-HR XLE
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Progressive
$118
Winnie, 29
Zip: 71119
Nissan Altima
• State Minimum Liability
Failure to Obey Signal
Bristol West
$307
Elijah, 32
Zip: 71109
Toyota C-HR XLE
• State Minimum Liability
• Comp / Collision
Improper Passing
Bristol West
$200
Matthew, 22
Zip: 71101
Toyota Camry LE
• State Minimum Liability
coverageLast Updated Jun 19, 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! 
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Elnora (22 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71119)
$128
per month
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Marian (24 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71107)
carFord F150 Supercrew
$178
per month
card cover
Aiden (23 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71118)
$245
per month
card cover
Rosie (22 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71101)
$200
per month
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Clearcover
Della (24 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71108)
$257
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. 
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Brian (66 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71106)
carMazda Tribute i
$140
per month
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Maurice (66 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71115)
$140
per month
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Joseph (65 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71107)
$132
per month
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Bobby (66 years old)
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71108)
$163
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. 
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Irene (58 years old)
Currently Insured
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71107)
carFord Escape SEL
$238
per month
card cover
Elizabeth (66 years old)
Currently Insured
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71115)
$140
per month
card cover
Anne (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71106)
$223
per month
card cover
Clearcover
Mollie (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71129)
$169
per month
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Beulah (66 years old)
Currently Insured
coverageCoverage
State Minimum
locationShreveport, LA
(Zip Code: 71108)
$163
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$160
Adeline, 30
Zip: 71105
Honda Accord Sport
• State Minimum Liability
• Comp / Collision
660 - 750
Bristol West
$280
Terry, 30
Zip: 71129
Nissan Kicks S
• State Minimum Liability
• Comp / Collision
660 - 750
National General
$169
Allen, 51
Zip: 71119
Chrysler 300C
• State Minimum Liability
• Comp / Collision
550 - 659
Clearcover
$169
Mollie, 27
Zip: 71129
Toyota Corolla L
• State Minimum Liability
• Comp / Collision
< 550
Bristol West
$245
Mae, 30
Zip: 71105
Chevrolet Cobalt LT
• State Minimum Liability
coverageLast Updated Jun 21, 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!

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. 

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 $120 per month – or $1,442 per year – on state-minimum liability coverage. Full coverage in Shreveport costs on average $171 per month or $2,052 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 $120 per month for state-minimum coverage and $171 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:

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

avatar
Maria Cruz
badge icon
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.
avatar
Sarah Gray
badge icon
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.