The average full coverage car insurance in Shreveport is $174 per month. Costs range from $188 to $687, depending on the policy, vehicle type and driver's details. The table below includes the average car insurance costs in Shreveport for various driver profiles to help drivers understand what they might expect to pay.
Shreveport, LA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Shreveport: Key Takeaways
The most affordable car insurance options in Louisiana are from Louisiana Farm Bureau, State Farm and Progressive, with competitive rates across various driver profiles.
Louisiana Farm Bureau is the top choice for affordability, offering the cheapest car insurance in the city at $42 per month for minimum and $85 for full coverage
The average monthly cost of car insurance in Shreveport is $63 for minimum and $174 for full coverage, but these rates can change based on individual driver profiles.
Car Insurance Quotes in Shreveport, LA
| Young Drivers | $76 | $212 |
| Teens | No Data | $687 |
| Seniors | $73 | $188 |
| Drivers With a Speeding Ticket | $80 | $218 |
| Drivers With a DUI | $98 | $259 |
| Drivers With An Accident | $95 | $257 |
| Bad Credit | $116 | $317 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Shreveport vs. State Average
Louisiana
State Average Full Coverage Rate
$2,479
Shreveport, LA
City Average Full Coverage Rate
$2,091More:$388 saved
This is 16% less expensive.
What Is the Average Car Insurance Rate in Shreveport?
In Shreveport, full coverage car insurance costs around $2,091 per year, while minimum coverage is about $759. These rates are lower than Louisiana's averages, where full coverage is $2,479 and minimum coverage is $921.
| State Average | $921 | $2,479 |
| Shreveport Average | $759 | $2,091 |
Cheapest Car Insurance Companies in Shreveport
While premiums are rising across the Pelican State, affordable car insurance is still available in Shreveport. Louisiana Farm Bureau offers the cheapest state minimum coverage at $42 monthly. For full coverage, it's $85 per month.
WHY CAR INSURANCE IN SHREVEPORT IS CHEAP
Car insurance is inexpensive in Shreveport due to factors like low traffic and accident rates. Shreveport ranks low among Louisiana cities for premiums. Statewide, costs are driven up by a large number of uninsured drivers, frequent personal injury lawsuits and insurance fraud.
Cheap Car Insurance in Shreveport
Louisiana Farm Bureau often offers the lowest rates, but car insurance costs vary by driver. To find the cheapest, compare quotes from multiple companies. Below is a table of affordable car insurance rates for different driver profiles.
| Louisiana Farm Bureau | Minimum Coverage | $42 |
| Louisiana Farm Bureau | Full Coverage | $85 |
| State Farm | Teens | $382 |
| Louisiana Farm Bureau | Young Adults | $100 |
| Louisiana Farm Bureau | Seniors | $81 |
| Louisiana Farm Bureau | Bad Credit | $114 |
| Louisiana Farm Bureau | Drivers With a DUI | $89 |
| Louisiana Farm Bureau | Drivers With An Accident | $83 |
| Louisiana Farm Bureau | Drivers With a Speeding Ticket | $74 |
Car Insurance Rates in Shreveport by Company
Car insurance costs vary, so compare Shreveport rates for savings. Below, we detail the most affordable state minimum and full coverage options.
Cheapest Car Insurance Companies for Minimum Coverage in Shreveport
Louisiana Farm Bureau offers the cheapest minimum coverage auto insurance at $42 per month. Progressive follows at $53. The table below breaks down the most affordable options.
| Louisiana Farm Bureau | $42 | $21 |
| Progressive | $53 | $10 |
| GEICO | $58 | $5 |
| AAA | $58 | $5 |
Cheapest Car Insurance Companies for Full Coverage in Shreveport
Louisiana Farm Bureau offers the cheapest full coverage car insurance in Shreveport at $85 monthly. Below is the full list of providers and their rates.
| AAA | $162 | $12 |
| GEICO | $147 | $28 |
| Louisiana Farm Bureau | $85 | $89 |
| Progressive | $164 | $10 |
| State Farm | $163 | $11 |
Car Insurance Companies in Shreveport
Get quotes from several companies to find the cheapest car insurance in Shreveport. Louisiana Farm Bureau offers the lowest rate at $762 annually. State Farm is the best cheap provider, with a MoneyGeek score of 79 and a rate of $1,362. Check the table below for more options to consider.
| State Farm | 79 | $1,362 |
| Progressive | 69 | $1,305 |
| GEICO | 63 | $1,227 |
| AAA | 63 | $1,323 |
| Allstate | 44 | $2,571 |
| Louisiana Farm Bureau | No Data | $762 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Shreveport by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates per year at $2,091 for 40-year-olds and $2,257 for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $6,385 | $-911 |
| 17 | $6,434 | $-959 |
| 18 | $5,715 | $-240 |
| 19 | $5,309 | $165 |
| 20 | $5,433 | $42 |
| 21 | $4,360 | $1,114 |
| 22 | $4,179 | $1,295 |
| 23 | $4,391 | $1,083 |
| 24 | $4,159 | $1,315 |
| 25 | $2,543 | $185 |
| 40 | $2,091 | $638 |
| 65 | $2,257 | $472 |
Cheapest Car Insurance for Teens in Shreveport
State Farm offers the cheapest overall car insurance for teens in Shreveport for full coverage at $356 per month, saving you $141 compared to the state average. The table below breaks down some of the most affordable providers in the city for this age group.
| State Farm | $356 | $141 | $382 |
| GEICO | $451 | $46 | $607 |
| Progressive | $542 | $-46 | $1,083 |
| Allstate | $638 | $-141 | $676 |
Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Shreveport
GEICO offers the cheapest minimum coverage for young drivers at $59 monthly. For full coverage, Louisiana Farm Bureau costs the most affordable at $132 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| GEICO | Minimum Coverage | $59 |
| Louisiana Farm Bureau | Full Coverage | $132 |
| GEICO | Bad Credit | $156 |
| Louisiana Farm Bureau | Drivers With a DUI | $142 |
| Louisiana Farm Bureau | Drivers With An Accident | $132 |
| Louisiana Farm Bureau | Drivers With a Speeding Ticket | $118 |
Cheapest Car Insurance Companies for Young Drivers in Shreveport
Louisiana Farm Bureau offers young drivers the cheapest auto insurance at $100 monthly. See the table below for more on affordable auto insurance with competitive rates.
| Louisiana Farm Bureau | $100 | $44 |
| GEICO | $104 | $40 |
| AAA | $137 | $7 |
| Progressive | $142 | $2 |
| State Farm | $144 | $0 |
Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Shreveport
Louisiana Farm Bureau offers the cheapest car insurance for minimum coverage at $55 per month. Rates can vary depending on your driving history and other factors. The table below shows the most affordable providers for different driver and coverage profiles that may better fit you.
| Louisiana Farm Bureau | Minimum Coverage | $55 |
| Louisiana Farm Bureau | Full Coverage | $106 |
| Louisiana Farm Bureau | Bad Credit | $146 |
| Louisiana Farm Bureau | Drivers With a DUI | $114 |
| Louisiana Farm Bureau | Drivers With An Accident | $106 |
| Louisiana Farm Bureau | Drivers With a Speeding Ticket | $95 |
Cheapest Car Insurance Companies for Seniors in Shreveport
Louisiana Farm Bureau offers the cheapest monthly premium for seniors at $81 for both minimum and full coverage. GEICO follows, costing $108 per month. Below is a table listing the top car insurance providers for seniors in Shreveport.
| Louisiana Farm Bureau | $81 | $50 |
| GEICO | $108 | $22 |
| State Farm | $120 | $10 |
| AAA | $122 | $8 |
| Progressive | $127 | $3 |
Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Shreveport
In Shreveport, high-risk drivers often find cheaper rates than the state average. Minimum coverage costs $1,091 annually, while full coverage is $2,935. Across the state, these figures rise to $1,336 and $3,519, respectively. Drivers with bad credit or DUIs pay the most for insurance, whereas accidents and speeding tickets have a lesser impact on rates.
| State Average | $1,336 | $3,519 |
| Shreveport Average | $1,091 | $2,935 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a small speeding ticket in Shreveport, can affect your insurance for around three years. For serious offenses such as a DUI, insurers may consider them for up to five years or more. These major incidents could also mean you must file an SR-22 or FR-44 insurance to prove you meet minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Shreveport
Louisiana Farm Bureau offers the cheapest minimum coverage for drivers with a DUI in Shreveport at $715 annually. It also has the most affordable full coverage at about $1,416 per year. Check the table below for more low-cost coverage options.
| Louisiana Farm Bureau | $60 | $118 |
| State Farm | $75 | $188 |
| AAA | $90 | $239 |
| Progressive | $81 | $251 |
| GEICO | $138 | $343 |
Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Shreveport
Louisiana Farm Bureau, State Farm and Progressive offer affordable car insurance for drivers with an at-fault accident violation in Shreveport. The table below shows other providers in the area offering the cheapest auto insurance after an at-fault accident.
| Louisiana Farm Bureau | $55 | $110 |
| State Farm | $82 | $204 |
| GEICO | $99 | $256 |
| AAA | $99 | $262 |
| Progressive | $99 | $303 |
Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Shreveport
Louisiana Farm Bureau is the cheapest car insurance provider for drivers with speeding tickets in Shreveport, with rates at $49 for minimum coverage and $98 for full coverage. Check the table below to see how other providers charge drivers with this violation on their records.
| Louisiana Farm Bureau | $49 | $98 |
| State Farm | $75 | $188 |
| GEICO | $76 | $200 |
| Progressive | $69 | $217 |
| AAA | $87 | $233 |
Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Shreveport
Louisiana Farm Bureau offers the most affordable rates for drivers with bad credit in Shreveport, with minimum coverage at $75 and full coverage at $153. See the table below for other affordable options.
| Louisiana Farm Bureau | $75 | $153 |
| GEICO | $84 | $221 |
| Progressive | $95 | $314 |
| Allstate | $130 | $411 |
| AAA | $149 | $413 |
Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Shreveport, LA
In the Pelican State, each city's car insurance minimums are set by statewide mandates.
Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
These minimums ensure that you have basic coverage to pay for injuries or damages if you're at fault in an accident. For example, if you cause an accident injuring one person and damaging a car, your insurance can cover up to $15,000 for injuries and $25,000 for property damage.
Cheap Car Insurance in Shreveport: Bottom Line
Louisiana Farm Bureau leads as the cheapest car insurance in Shreveport at $42 for minimum coverage. Drivers of all ages and credit histories can find affordable plans that suit their wallets. Ensure your policy includes Louisiana's required bodily injury and property damage coverage. By comparing car insurance, you'll get the best price for the protection you need under Pelican State law.
Shreveport Auto Insurance: FAQ
This section quickly answers common questions about finding affordable car insurance in Shreveport. Learn about options for state minimum coverage and more to help you make informed decisions without the hassle.
What is the cheapest car insurance company in Shreveport, LA?
Louisiana Farm Bureau offers Shreveport's most affordable car insurance at $42 per month, providing savings of $21 compared to the state average.
What is the best car insurance company in Shreveport, LA?
State Farm is the best car insurance provider in Shreveport, with a MoneyGeek score of 79 out of 100. Minimum coverage costs around $1,362 annually.
How much does car insurance cost on average in Shreveport, LA?
On average, state minimum car insurance in Shreveport is $73 to $116 monthly.
Best Cheap Car Insurance in Shreveport: Our Methodology
MoneyGeek analyzed Shreveport auto insurance prices using data from the Louisiana Department of Insurance and Financial Services and Quadrant Information Services.
Shreveport Driver Profile
To assess auto insurance options for Shreveport residents, MoneyGeek used a sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
They also considered variations such as age, driving records and military status.
Coverage Levels in Shreveport
For Shreveport, the minimum coverage requirements in Louisiana are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
Full coverage policies increase these limits to:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers from zero to 100, based on factors such as customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Louisiana providers, MoneyGeek utilized these sources:
- Quadrant Information Services provided actual policy quotes in Shreveport
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions.
For more details on this analysis, review MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.