Cheapest Auto Insurance in Bossier City, Louisiana (2025)
State Farm offers the cheapest car insurance in Bossier City, with minimum-coverage policies as low as $56 per month.
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Drivers in Bossier City pay an average of $127 per month for car insurance. This is significantly lower than the average cost of car insurance in Louisiana of $150 but higher than the national average of $140.
Residents in the Pelican State face some of the highest car insurance costs in the nation due to a high risk of damage from extreme weather in the state.1 Bossier City has a relatively low population density, which may explain why drivers in the city pay lower rates than the state average.
The best way to shop for car insurance is to compare quotes from multiple insurers at once. Here’s what you need to know about finding cheap car insurance in Bossier City.
Quick Facts
State Farm, USAA, and National General are the cheapest insurance companies in Bossier City.
Louisiana state law allows insurers to consider credit-based insurance scores when determining premiums.
Bossier City drivers pay $89 per month for liability insurance and $166 for full-coverage insurance, on average.
3 of the cheapest car insurance companies in Bossier City
Every driver has a unique situation that affects their car insurance costs. Some factors that affect your costs include your driving record, age, and credit history. With so many factors in play, the best way to find the cheapest rates is to compare quotes from different companies.
While shopping around can help you lock in the best rate, some insurance companies offer better rates than others. You can start your search below for low rates with three of the cheapest car insurance companies in Bossier City.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
Best insurer for veterans: USAA
Best insurer for families: GEICO
Find Cheap Car Insurance in Bossier City
Liability quotes in Bossier City start at $56 per month
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How to get the cheapest car insurance in Bossier City
Your age, location, driving record, credit history, and the type of vehicle you drive can all play a role in how much you pay for car insurance.3
As you shop for the most affordable car insurance option, tap into the following strategies to lock in the best rates for your situation:
Shop around. It’s critical to get quotes from multiple car insurance companies. Since each insurer uses a different method to determine rates, shopping around is the best way to find the lowest rates. When it’s time to renew your policy each year, take the time to shop around again because prices might have changed.
Increase your deductible. Auto insurance companies offer a lower premium when you select a higher deductible. If you have enough cash reserves on hand to cover more expenses after an accident, then opting for the higher deductible can lead to up-front savings.4
Look for a discount. Many car insurance companies offer discounts. Find out if you qualify for any to further lower your auto insurance premiums. Sometimes, the faster way to find a discount is by asking an insurance agent if you qualify.
Explore coverage options. Some policies cost more than others. For example, liability-only car insurance policies are often cheaper than full-coverage policies. Find the right level of coverage by weighing the costs against your risk.
Bundle policies. Purchasing multiple types of coverage through the same insurer can lead to savings. For example, you might get your homeowners insurance and car insurance through the same company to score a discount.
Cheapest liability-only car insurance in Bossier City: State Farm
Liability-only car insurance policies tend to be the cheapest car insurance option. This policy type includes bodily injury and property damage liability coverage, which will cover the other driver’s resulting vehicle damages and medical expenses after an accident. It won’t help you pay to repair or replace your own vehicle after an accident.
In Bossier City, liability-only insurance costs an average of $89 per month. The table below breaks down average monthly premiums for liability-only policies from insurance companies in Bossier City.
Cheapest full-coverage car insurance in Bossier City: State Farm
A full-coverage car insurance policy provides more financial protection for drivers than liability-only coverage. It includes comprehensive and collision coverage in addition to liability coverage. After an incident, a full-coverage policy can help you repair or replace your own vehicle.
If you’re leasing a vehicle or paying off an auto loan, your lender might require you to carry a full-coverage car insurance policy. Opting for this more robust coverage can be a good idea even if you own your vehicle outright. It might be the best policy if you don’t have the money on hand to repair your vehicle after a car wreck.
A full-coverage policy in Bossier City costs an average of $166 per month. Compare average full-coverage policy quotes for Bossier City drivers below.
Car insurance requirements in Louisiana
Drivers in Louisiana must carry a minimum amount of car insurance. Without this baseline insurance coverage, it’s illegal to drive on public roads in the Pelican State.
Here are the specific minimum-coverage requirements for Louisiana drivers:5
Because liability insurance doesn’t cover your own vehicle repairs, you should consider purchasing optional coverages for further protection. Here are some common coverages to consider:
Cheapest car insurance for drivers with an incident
Incidents on your driving record, like speeding tickets, driving under the influence, and at-fault accidents, often push your car insurance costs higher. After an incident, insurance companies consider you a riskier driver and they compensate for risk by increasing your premiums.
On average, Bossier City drivers with a past incident pay $103 per month for liability insurance.
The table below highlights how an incident can push average liability car insurance quotes higher in Bossier City.
Shop for Car Insurance in Bossier City, LA
Monthly rates start at $66 for drivers with an incident
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Average cost of car insurance by age
Car insurance companies consider your age when determining premiums. Teen drivers pay more for car insurance than drivers with more practice on the road. But young adults, even drivers in their 20s, still typically pay higher rates than their older counterparts.
In general, drivers start to notice falling car insurance rates between the ages of 35 and 70. After age 70, rates often start climbing again for senior drivers due to aging-related risk factors.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Bossier City car insurance quotes by credit tier
Insurance companies in the state of Louisiana can use credit-based insurance scores as a factor when determining your premiums.6 In general, drivers with excellent or good credit pay lower rates for car insurance than drivers with poor credit.
The table below shows average full-coverage car insurance quotes by credit tier in Bossier City.
Bossier City car insurance FAQs
Before shopping around for car insurance, you should determine how much auto coverage you need. The following information should help you find cheap car insurance in Bossier City.
How much is car insurance in Bossier City?
Drivers in Bossier City pay $89 per month for liability insurance and $166 for full-coverage insurance, on average. The overall cost of car insurance in Bossier City is $127 per month. Ultimately, how much you pay for car insurance will depend on your driving record, age, location, and more.
Which companies have the cheapest car insurance in Bossier City?
State Farm has the cheapest average car insurance in Bossier City, with a rate of $56 per month for liability insurance. The cost of liability coverage from the second-cheapest insurer in the city, USAA, is $70 per month. National General is another affordable option, with a liability rate of $72 per month.
The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Bossier City?
State Farm is one of the best car insurance companies in Bossier City, thanks to an Insurify Quality (IQ) Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and ample coverage offerings. Policyholders in the city pay $66 per month for liability insurance and $103 for full-coverage insurance. Other top insurers include USAA and GEICO.
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