Car Insurance in Shreveport

Farm Bureau dominates Shreveport's pricing with full coverage at $1,398 per year, which is 47% below the city average of $2,465. GEICO follows at $1,770 per year for full coverage, providing another option for Shreveport residents.

For minimum coverage, Farm Bureau charges $556 per year while GEICO offers $627 per year. The substantial rate differences between carriers in Shreveport make comparison shopping essential for drivers seeking affordable coverage.

Farm Bureau's strong regional presence and understanding of Louisiana's unique insurance challenges give it a competitive advantage. Both insurers maintain adequate financial strength to handle Louisiana's frequent weather-related claims.

Adult drivers in Shreveport secure the lowest insurance rates while young drivers face substantially higher costs across all carriers. Farm Bureau offers adult drivers coverage at $556 per year, which is 50% below the city average for minimum coverage.

Senior drivers pay $593 per year through Farm Bureau, representing a modest 7% increase over adult rates. Young drivers pay $1,329 per year through Farm Bureau, more than double what adult drivers pay for identical coverage.

The significant premium differences across age groups reflect Louisiana's high accident rates and challenging driving conditions. Shreveport's young drivers face steep costs but can reduce premiums through defensive driving courses and maintaining excellent academic records.

Young drivers in Shreveport get the lowest car insurance rates from Farm Bureau, which offers minimum coverage at $111 per month. GEICO follows at $124 monthly. Premiums for drivers ages 16 to 25 are often high in Shreveport due to elevated crash rates and higher risk associated with younger motorists, but these insurers consistently provide cheaper options than most competitors in the area.

Adult drivers ages 26 to 64 pay the lowest rates with Farm Bureau, which charges about 50% less than the city average. GEICO, State Farm, and Progressive also offer strong pricing for adults with clean records. These insurers typically deliver competitive rates in Shreveport, where commute patterns and local accident frequency can influence insurance costs.

Senior drivers in Shreveport receive the most affordable premiums from Farm Bureau. Minimum coverage averages $49 per month, keeping rates well below the typical cost for drivers aged 65 and older. This makes Farm Bureau a dependable option for seniors who want stable, budget-friendly insurance in a city where repair and medical expenses often increase premiums.

High-risk drivers in Shreveport consistently find the lowest rates through Farm Bureau. The company applies smaller surcharges for DUIs, accidents, and speeding violations compared to many other insurers in Louisiana.

• Bad credit: Farm Bureau from $60 per month
• DUI: Farm Bureau from $52 per month
• Accident: Farm Bureau from $53 per month
• Speeding ticket: Farm Bureau from $49 per month

Drivers with bad credit pay the lowest premiums with Farm Bureau, which averages $60 per month for minimum coverage and about $141 for full coverage. These rates are significantly lower than what most insurers charge for credit-challenged drivers, making Farm Bureau a strong fit for those needing affordable options.

Shreveport drivers with a DUI get the cheapest car insurance from Farm Bureau. Minimum coverage rates can be up to 62% lower than the city average, while full coverage runs about 58% below typical DUI pricing. These substantial savings make Farm Bureau a standout choice for drivers recovering from a major violation.

Drivers with an at-fault accident pay the lowest rates through Farm Bureau, with premiums starting at $53 per month. This is nearly 57% below the average accident-related rate in Shreveport, allowing drivers to maintain required coverage without facing steep post-accident increases.

Farm Bureau also offers the cheapest premiums for drivers with speeding tickets. Minimum liability costs $49 per month, and full coverage averages $121 monthly. These moderate surcharges make Farm Bureau a reliable option for managing costs after receiving a citation.

Farm Bureau and Progressive both score 95 out of 100 on MoneyGeek's ratings for Shreveport. These companies excel in navigating Louisiana's complex insurance environment while maintaining customer satisfaction.

Farm Bureau brings deep regional knowledge and understanding of Louisiana's unique weather challenges and road conditions. Progressive offers innovative coverage options and digital tools that appeal to tech-savvy Shreveport residents.

Both insurers demonstrate financial stability necessary for handling Louisiana's frequent severe weather claims. Shreveport drivers benefit from choosing either company for reliable coverage and responsive claims support.

Coverage costs in Shreveport average $1,050 annually for minimum coverage and $2,465 for full coverage. These rates reflect Louisiana's challenging insurance environment with frequent severe weather, high uninsured motorist rates and elevated accident frequencies.

Farm Bureau consistently provides below-average premiums for Shreveport residents, offering substantial relief in an expensive market. Louisiana's unique combination of hurricane risks, flooding potential and high litigation rates all contribute to elevated insurance costs.

Despite challenging conditions, Shreveport drivers can find affordable coverage through regional carriers with Louisiana expertise. Bundling policies and maintaining clean driving records provide the most effective strategies for managing insurance costs.

Shreveport car insurance rates by ZIP code range from $78 to $251 per month. ZIP code 71101 has the highest rates, while 71105 has the lowest. Average rates for your ZIP code appear below.

Finding affordable car insurance in Shreveport can be challenging with the area's high rates, but you can lower your costs with the right approach. Our step-by-step guide shows you exactly how to get the cheapest car insurance while maintaining good coverage.

Car insurance rates depend on your driving record, credit and coverage needs. Farm Bureau and GEICO offer the lowest average premiums in Shreveport, but you'll need to compare quotes from multiple providers to find your best rate.

Our research team answers your questions about finding affordable car insurance in Shreveport. We break down coverage options and rates to help you choose the right policy at the best price.

To help Shreveport drivers find affordable car insurance, MoneyGeek analyzed rates using data from the Louisiana Department of Insurance and Quadrant Information Services. 

We reviewed quotes from 12 major insurers across all ZIP codes in the city, studying hundreds of thousands of data points to find the best options for local drivers.

Shreveport Driver Profile

We used a sample driver profile to calculate average car insurance quotes in Shreveport:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted factors like age, driving record, credit score and military affiliation for different driver types.

Coverage Levels in Shreveport

MoneyGeek compared minimum and full coverage auto insurance policies.

Minimum coverage requirements in Louisiana:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Full coverage limits used in our analysis:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated insurers based on three main factors:

• Affordability (60% of score): We compared quotes across multiple driver profiles and evaluated how each company’s rates perform against competitors in Shreveport.
• Customer Experience (30% of Score): We reviewed customer feedback from Google reviews, J.D. Power, AM Best and Reddit to understand overall satisfaction.
• Coverage Options (10% of Score): We considered how many coverage types each company offers and whether they include valuable or unique benefits.