Cheapest Car Insurance in Shreveport (2026)

Farm Bureau charges Shreveport's most affordable full coverage at $116 monthly, while also providing the city's cheapest minimum coverage at just $46 per month. These premiums apply to drivers with clean records. Your age and driving history play major roles in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.

Across Louisiana, drivers often spend $90 monthly for minimum coverage, but Shreveport residents enjoy slightly lower rates at $87. Full coverage follows a similar pattern with Shreveport's $205 beating the state's $212 average. 

Despite these savings, local factors still push premiums higher than they'd be in rural areas. Shreveport's busy streets create more fender-benders, while frequent storms and heavy rainfall lead to weather-related claims throughout the year. Vehicle theft rates also exceed rural Louisiana averages. 

Comparing quotes from multiple insurers helps you find the best savings available.

Read More: The cheapest car insurance in Louisiana

Shreveport drivers see major cost differences based on age across insurance providers. Young drivers average $364 monthly, while adults pay $160 and seniors pay $154. Young drivers pay these higher premiums because they lack driving experience and have higher accident rates than other age groups.

Cheapest Shreveport car insurance by age:

• Young drivers: Farm Bureau at $268 per month
• Adult drivers: Farm Bureau at $116 per month
• Senior drivers: Farm Bureau at $121 per month

Once drivers establish experience, age matters less for pricing. The modest $6 difference between adult and senior rates shows insurers treat experienced drivers similarly whether they're 40 or 70 years old.

Young drivers in Shreveport pay high insurance costs, with the average monthly premium hitting $364 compared to just $160 for adults. That's more than double what experienced drivers pay. Farm Bureau offers the most affordable option at $268 monthly or $3,218 annually for full coverage.

Insurers charge these high rates because drivers ages 16 to 25 lack experience behind the wheel and have higher accident rates and more traffic violations than any other age group.

Young Shreveport drivers save $201 monthly by choosing Farm Bureau over AAA at $469 monthly. Adding a young driver to your family policy beats getting separate coverage, but expect rates to stay high until they turn 25.

Note: Teen drivers must meet Louisiana state licensing requirements, including supervised driving periods and nighttime driving limitations. Parents should verify coverage adequacy and understand that adding a teen driver increases premiums due to their statistically higher accident rates.

Shreveport's senior drivers benefit from competitive car insurance rates, with Farm Bureau offering the lowest premiums at $121 monthly or $1,452 annually for full coverage. Years of driving experience and clean records usually work in favor of drivers 65 and older, though some insurers may adjust rates slightly for those over 70 due to reaction time considerations. 

Across the city's five most affordable insurers, seniors average $154 monthly, just $6 less than the $160 that younger adults pay.

By choosing Farm Bureau over State Farm at $196 monthly, local seniors save $75 each month. Additional savings opportunities include defensive driving course discounts and low-mileage reductions for drivers who stay under 7,500 miles annually.

Drivers between 26 and 64 benefit from Shreveport's most competitive insurance rates because they blend extensive driving experience with lower accident involvement than younger and older drivers. 

Farm Bureau leads with $116 monthly or $1,398 annually for full coverage, while the average across the city's five cheapest insurers hits $160 monthly. This represents the lowest rates of any age category in Shreveport.

Choosing Farm Bureau over State Farm at $194 monthly puts $78 back in your pocket each month. Clean driving records and policy bundling offer additional ways to cut costs even further.

Violations drive up car insurance costs across Shreveport. Farm Bureau leads with the most affordable minimum liability rates at $46 monthly for clean records, $49 for speeding tickets and $52 for DUIs. Looking at the bigger picture, average monthly premiums across the city's five cheapest insurers jump from $61 for clean drivers to $75 for speeding violations, $88 for at-fault accidents and $83 for DUIs.

At-fault accidents create the largest premium increases because you've actually caused property damage or injuries, proving you're a higher risk to insurers. DUIs combine dangerous behavior with serious legal consequences, placing you in the highest-risk category and usually requiring SR-22 filing for license reinstatement. 

Speeding tickets generate smaller bumps since they signal risky driving without proving you've caused actual crashes.

Your ZIP code determines how much you'll pay for car insurance in Shreveport, where rates span from just $78 monthly in the most affordable area (ZIP 71105) to $251 in the priciest (ZIP 71101). See your neighborhood's cost in the table below.

Drivers in Shreveport's most populated neighborhoods pay $204 monthly in ZIP 71109, $196 in ZIP 71118 and $198 in ZIP 71107 for minimum coverage. These differences stem from local risk factors including accident frequency, vehicle theft rates, population density and uninsured driver concentrations in each area. 

Use the filter above the table to locate your ZIP and check your area's rate.

Smart Shreveport drivers know you can secure competitive rates without sacrificing proper coverage.

Want to find affordable coverage in Shreveport? This FAQ answers your questions about available discounts, state regulations and policy options to help you find coverage that works for your budget.

Shreveport drivers pay some of Louisiana's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Shreveport's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.