Cheapest Auto Insurance in Shreveport, Louisiana (2025)
State Farm has the cheapest liability coverage in Shreveport, with an average monthly cost of $71.
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In Shreveport, drivers pay $107 per month for liability car insurance, which is lower than the state average of $114.
The average cost of coverage is more expensive in Shreveport — and other Louisiana cities — than the national average cost of car insurance. Caddo Parish, which includes Shreveport, had the third-most traffic fatalities in Louisiana in 2022.1 The high rates of traffic fatalities in the state and its exposure to property damage from severe weather likely lead to more expensive insurance rates.
Here’s what you need to know about comparing quotes and finding cheap auto coverage in Shreveport.
3 of the cheapest car insurance companies in Shreveport
A few companies stand out in Shreveport for cheap car insurance quotes. State Farm, USAA, and National General consistently offer competitive rates, making them great options for drivers in the city. However, the best option for you depends on your driving profile and insurance needs.
The quotes below reflect national average costs for U.S. drivers.
Best insurer for cheap rates: State Farm
Best insurer for military members: USAA
Best insurer for drivers with a DUI: National General
How to get the cheapest car insurance in Shreveport
Factors such as your age, driving record, type of vehicle, and coverage options can all play a role in determining your car insurance rate. But whether you’re a new driver or looking to switch companies, finding affordable car insurance in Shreveport might be easier than you think.
Consider higher deductibles. Opting for a higher deductible can lower your premiums, but you’ll pay more out of pocket if you need to file a claim.
Maintain a clean driving record. Avoid accidents and traffic violations that can lead to higher premiums by practicing safe driving habits.
Look for discounts. Take advantage of common discounts — such as good driver, multi-policy, or safety feature discounts — to reduce your insurance costs.
Bundle your policies. Bundling your car insurance with other policies, such as homeowners insurance or renters insurance, can often lead to additional discounts and overall savings.
Compare quotes. You can find the most competitive rates and coverage options by comparing quotes from different insurers.
Cheapest liability-only car insurance in Shreveport: State Farm
Liability-only coverage is often the cheapest car insurance option available, but it doesn’t provide robust coverage for your vehicle. When you have a liability-only policy, it covers the bodily injury or property damage you cause the other driver in an accident. It doesn’t cover any damage to your own vehicle.
The average cost of liability insurance is $107 per month. Here are the cheapest liability-only coverage options in Shreveport.
Cheapest full-coverage car insurance in Shreveport: State Farm
Deciding on the right amount of coverage for your vehicle is one of the most important choices you make about your car insurance. Liability coverage only pays for damages and injuries you cause to others in an accident. Full-coverage policies include liability, collision, and comprehensive insurance to extend coverage to your vehicle, regardless of fault.4
You should consider purchasing full-coverage insurance if you have a new or valuable vehicle. And if you’re leasing or financing your vehicle, your lender may even require it.
Find the cheapest full-coverage insurance options in Shreveport below. On average, Shreveport drivers pay $208 per month for full-coverage insurance.
Car insurance requirements in Louisiana
Louisiana operates under a comparative fault rule, which several other states in the U.S. also follow. In practice, this means that each party involved in an accident covers damages in proportion to their percentage of fault.5 If you wish to file a lawsuit related to a car accident, you typically must do so within a year.6
The state requires drivers to carry liability insurance with the following minimum limits:7
You should consider purchasing optional coverage beyond the minimum requirements for more financial protection. Learn more about the following common coverages to find the right balance between affordability and adequate coverage.
Cheapest car insurance for drivers with an incident
An incident refers to a moving violation reflected on your driving record, including at-fault accidents, speeding tickets, DUIs, and other moving violations. These violations can have a big effect on your car insurance rates.
Insurers use your past driving history to predict your risk level, and incidents demonstrate a greater risk of filing future claims. The severity and frequency of claims can also influence how much your past incidents affect your premium.9
Cheapest car insurance for drivers with a speeding ticket: State Farm
Having a speeding ticket on your record can result in a higher car insurance premium, though a single ticket may not have a substantial effect. Insurance companies view speeding as an indicator of risky driving, so they may adjust premiums accordingly. When it comes to more minor violations like speeding, some insurers are more forgiving than others.
The average cost of liability car insurance for Shreveport drivers with a speeding ticket is $126 per month. Find the cheapest liability-only rates for Shreveport drivers with a speeding ticket below.
Cheapest car insurance for drivers with an at-fault accident: State Farm
You’re likely to see an increase in premiums after an at-fault accident, according to the Louisiana Department of Insurance (LDI).10 The amount of damage caused in your accident can also influence how much your rate increases.
On average, Shreveport drivers with an at-fault accident pay $143 per month for coverage. Here are the cheapest coverage options for liability insurance.
Cheapest car insurance for drivers with a DUI: State Farm
Alcohol consumption was a factor in nearly 40% of Louisiana’s 972 traffic fatalities in 2021, according to National Highway Traffic Safety Administration data.11 Due to the severity of the offense, driving under the influence almost always comes with serious consequences, including a substantial increase in insurance rates.
However, Shreveport drivers with a past DUI still have affordable coverage options available. On average, drivers in the city with a DUI pay $172 per month for liability coverage.
Cheapest car insurance for seniors: State Farm
Your age is another factor that affects car insurance rates. Drivers typically see steadily decreasing rates between their 30s and 70s, thanks to more experience on the road.
However, senior drivers older than 70 have a higher fatal crash rate per mile driven than younger drivers, according to the Insurance Institute for Highway Safety.12 This higher accident risk can result in slightly higher premiums.
The companies below offer the cheapest car insurance for Shreveport senior drivers.
Cheapest car insurance for teens: State Farm
Families with teen drivers often struggle to find affordable car insurance. Due to a lack of driving experience and greater tendencies for risky behavior, teenagers typically pay the highest rates for car insurance.
You can utilize some tips to get the best rate as a teen driver. First, consider staying on your parents’ insurance policy. You can also opt for a car with good safety ratings to qualify for lower rates. Lastly, if you’re a student, maintain good grades and ask your insurer about a good student discount to save on premiums.
Find the cheapest Shreveport insurers for teenagers below.
Shreveport car insurance quotes by credit tier
Insurance companies can use your credit-based insurance score as a factor to set rates, according to the LDI. Drivers with excellent and good credit history tend to pay lower insurance costs than those with poor credit history. In Shreveport, the effect of a policyholder’s credit history on car insurance premiums can vary significantly across insurance companies.
Find average full-coverage car insurance rates by credit tier in Shreveport below.
Is car insurance more expensive in Shreveport?
Shreveport drivers generally pay more for car insurance than the national average of $103 per month for liability insurance and $182 for full coverage. On average, Shreveport drivers pay $107 per month for liability and $208 for full coverage. Statewide, Louisiana drivers pay $114 per month for liability and $204 for full coverage. Average rates in the state may skew high for a few different reasons, including high amounts of vehicle damage during hurricane season.
In Louisiana, car insurance rates can also differ between cities and ZIP codes, depending on population density, traffic congestion, local accident statistics, crime rates, and more. For example, Shreveport ranks third in the state for the number of motor vehicle thefts, according to the FBI Criminal Justice Information Services Division.13
More cities in Louisiana
On average, Shreveport drivers pay $107 per month for liability coverage and $208 for full-coverage insurance. Despite Caddo Parish having the third-highest number of traffic fatalities in Louisiana, Shreveport has cheaper car insurance than some other Louisiana cities.
Compare average costs in Louisiana below for different cities.
Shreveport car insurance FAQs
Finding the right level of auto coverage for an affordable price doesn’t have to feel overwhelming. The information below should answer your remaining questions and help you navigate the process of finding the best Shreveport insurer for you.
How much is car insurance in Shreveport?
On average, Shreveport drivers pay $107 per month for liability coverage and $208 for full-coverage insurance. This is lower than the state average rate of $114 for liability insurance and $204 per month but higher than the national average of $103 for liability and $182 for full coverage. Your specific rate depends on your driving record, age, credit history, insurer, and more.
Who has the cheapest car insurance in Shreveport?
State Farm has the cheapest liability insurance in Shreveport, with an average quote of $71 per month. National General and USAA also have affordable liability coverage on average at $81 and $90 per month respectively.
What are the best car insurance companies in Shreveport?
With low average rates, a high Insurify Quality (IQ) Score of 9.3 out of 5, and an AM Best financial strength score of A++ (Superior), State Farm is one of the best car insurance companies in Shreveport. On average, Louisiana drivers with coverage from State Farm pay $69 per month for liability insurance and $105 for full-coverage insurance. Other top companies selling coverage in the city include USAA and National General.
Why does Louisiana have such high car insurance?
Louisiana drivers have an expensive average car insurance rate of $114 per month for liability insurance and $204 for full-coverage insurance due to a few factors. Severe weather patterns, including hurricanes and tropical storms, can increase the amount of vehicle damage and claims filed, which increases an area’s insurance rates. The city and ZIP code you live in, rates of vehicle theft, population density, and more can influence rates.
Is Louisiana a no-fault state?
No. Louisiana is an at-fault state operating under a comparative fault rule. Responsibility for damage and loss following an accident is proportional to each driver’s percentage of fault. Louisiana drivers can typically sue for damages up to a year after an auto accident.
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