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Best Cheap Auto Insurance in Shreveport, LA (2021)

Things to Remember

  • The best cheap auto insurance in Shreveport, LA is from USAA.
  • Louisiana auto insurance laws and high rates of uninsured motorists in your state impact your Shreveport car insurance costs.
  • Auto insurance in Shreveport costs less than in other major Louisiana cities, like New Orleans and Baton Rouge.

Louisiana auto insurance rates are notoriously high compared to other parts of the country. With our guide’s help, we can teach you to secure cheap auto insurance in Shreveport, LA.

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Monthly Shreveport, LA Car Insurance Rates by ZIP Code

Find more info about the monthly Shreveport, LA auto insurance rates by ZIP Code below:

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Shreveport, LA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Shreveport, LA against other top US metro areas’ auto insurance rates.

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Start comparing affordable Shreveport, LA auto insurance rates for free by entering your ZIP code into our quote tool above.

What is the cheapest auto insurance company in Shreveport, LA?

The cheapest average Shreveport, LA auto insurance quotes come from USAA. Most folks pay around $335 per month or $4,030 annually; however, rates vary per person.

Only active or retired military personnel are eligible to use USAA’s services. Therefore, the best Shreveport, LA auto insurance company for civilians is State Farm.

The cheapest Shreveport, LA car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Louisiana car insurance company rates?” We cover that as well.

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Below, see a list of the top insurance providers in your city from cheapest to most expensive:

  • USAA – $4,030.60
  • State Farm – $4,348.76
  • Allstate – $5,584.40
  • GEICO – $5,801.55
  • Progressive – $6,797.69

Your quotes from these companies will look different depending on your age, driving record, and the level of coverage you require. Compare rates from multiple providers to secure your best prices.

Shreveport, Louisiana car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Shreveport, LA car insurance rates. Find the cheapest Shreveport, LA car insurance rates by coverage level below:

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Your credit score will play a major role in your Shreveport, LA car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Shreveport, Louisiana car insurance rates by credit score below.

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Your driving record will affect your Shreveport car insurance rates. For example, a Shreveport, Louisiana DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Shreveport, Louisiana car insurance rates by driving record.

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Factors affecting car insurance rates in Shreveport, LA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Shreveport, Louisiana car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Shreveport. LA does use gender, so check out the average monthly car insurance rates by age and gender in Shreveport, LA.

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What auto insurance coverage is required in Shreveport, LA?

Legally, Shreveport residents must carry the Louisiana state minimum auto insurance requirements.

Louisiana requires the following coverage limits:

  • $15,000 per person and $30,000 per accident in bodily injury liability.
  • $25,000 per accident in property damage coverage.

What is liability auto insurance coverage? If you cause an accident, it pays for damages to the other vehicle and driver.

Louisiana is an at-fault state, meaning whoever is responsible for causing an accident is also responsible for paying for any associated costs.

What affects auto insurance rates in Shreveport, LA?

Car insurance rates in Louisiana are higher than in other states due to a high percentage of uninsured motorists on the roads. An estimated 13 percent of people are driving without insurance in your state.

However, Shreveport rates are lower than in other parts of the state due to minimal traffic congestion.

There is no traffic report from INRIX for the city of Shreveport. The next closest city data available, Texarkana, TX, is the 266th most congested city in America.

According to City-Data, the average commute time for Shreveport residents is 19.1 minutes, shorter than the national average of 26 minutes.

Auto theft rates can also impact insurance costs. The Federal Bureau of Investigation (FBI) recorded 884 auto thefts in Shreveport in 2017. That’s a rate of 455 thefts for every 100,000 residents.

Shreveport, LA Auto Insurance: The Bottom Line

Shreveport, Louisiana is a more affordable city for car insurance than both New Orleans and Baton Rouge. For example, auto insurance in Baton Rouge, LA costs $5,824/yr ($485/mo) on average.

While Louisiana insurance costs are higher than other parts of the country, comparing quotes online and asking about auto insurance discounts will help you save money.

Find affordable Shreveport, LA auto insurance by entering your ZIP code into our free quote comparison tool below.

References:

  1. https://inrix.com/scorecard-city/?city=Texarkana%2C%20TX&index=945
  2. http://www.city-data.com/city/Shreveport-Louisiana.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/louisiana.xls

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