Updated: September 29, 2026
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Best Cheap Car Insurance Companies in Shreveport, LA:
Farm Bureau has the cheapest minimum coverage in Shreveport at $46 a month, $6 less than GEICO. Farm Bureau also is cheapest for full coverage at $116 a month, beating GEICO by a bigger margin of $32 per month.
If you're weighing between the two companies, you should note that buying a policy from Farm Bureau requires maintaining an active membership with your local Farm Bureau organization; these memberships come with annual fees ranging from $35 to $50. Make sure to factor a membership fee into the total cost of your policy when comparing insurers.
Your driving record moves your rate more than most factors in Shreveport, so get quotes against your actual record rather than assuming these baseline numbers apply to you.
| Farm Bureau | $116 | $46 | -47% |
| Geico | $148 | $52 | -35% |
| State Farm | $194 | $68 | -15% |
| Progressive | $196 | $69 | -14% |
| AAA | $210 | $73 | -8% |
Farm Bureau offers Shreveport's cheapest coverage for teen and young drivers (age 16 to 25) at $268 a month ($3,218 a year) for full coverage. Safeway Insurance is the second-cheapest option at $330 a month, $62 more. That $62 monthly difference adds up to $745 a year, well above the point where switching is worth the paperwork.
Farm Bureau's local-agent model is useful if your teen ends up filing a claim and you'd rather talk to someone in Shreveport than a call center. Even though Farm Bureau requires a membership to buy a policy that comes with a $35–50 annual fee, you're still saving about $600 each year over competitors like Safeway or GEICO.
| Farm Bureau | $268 | $3,218 |
| Safeway Insurance | $330 | $3,963 |
| Geico | $359 | $4,303 |
| State Farm | $397 | $4,760 |
| AAA | $469 | $5,624 |
Farm Bureau charges Shreveport seniors $121 a month for full coverage, $23 less than GEICO at $144 per month.
Louisiana law prohibits insurers from raising your rate solely because you turned 65, so a senior's premium in this state stays anchored to driving record and vehicle rather than age alone. However, staying with whichever carrier you've always used instead of comparing quotes still carries a cost: Allstate charges Shreveport seniors $544 a month, $423 more than Farm Bureau — a $5,072 difference over a year.
Louisiana doesn't mandate a specific mature-driver discount the way some states do, so ask your insurer about a low-mileage discount. Carriers that offer one apply 5–15% off for drivers under 7,500 annual miles. A 5% discount brings Farm Bureau's $121 rate down to $115, saving $6 monthly; 15% brings it to $103, $18 a month.
| Farm Bureau | $121 | $1,452 |
| Geico | $144 | $1,722 |
| Farmers | $150 | $1,803 |
| Safeway Insurance | $159 | $1,905 |
| State Farm | $196 | $2,357 |
Farm Bureau is cheapest at every violation type in Shreveport: $52 a month for a DUI, $53 for an at-fault accident and $49 for a speeding ticket, the cheapest option across the board.
The insurer most sympathetic to drivers with a DUI in Shreveport is State Farm — its rate rises from $68 a month to $72 with a DUI on record, just a 7% increase. GEICO's DUI rate more than doubles its clean rate over the same violation, jumping from $52 to $116. That difference alone is worth a second quote before assuming any carrier prices a DUI the same way.
Louisiana requires an SR-22 filing for three years after a DUI conviction, so plan to re-shop the moment that window closes. If you only need coverage to satisfy an SR-22 without owning a car, a non-owner policy is usually cheaper than a standard policy.
| Clean | Farm Bureau | $46 | $556 |
| Speeding Ticket | Farm Bureau | $49 | $583 |
| DUI | Farm Bureau | $52 | $621 |
| At-Fault Accident | Farm Bureau | $53 | $642 |
A DUI violation carries Shreveport's widest carrier-to-carrier spread of any violation type, running from Farm Bureau's $52 a month up to Farmers' $290, a $238 range. That's wider than the $190 range for at-fault accidents and the $175 range for speeding tickets.
Safeway Insurance is worth naming for speeding tickets: despite running well above average on clean-record rates at $110 a month, its speeding-ticket rate barely moves, up just 3% to $114. Farm Bureau is nearly as forgiving on speeding, up 5% to $49.
The wider the pricing spread after a violation, the more shopping pays off. A DUI in Shreveport is the single best reason to compare quotes.
On average, Shreveport drivers pay $210 a month for full coverage, 24% above Louisiana's $169 statewide average. For minimum coverage, Shreveport's $73 a month sits just 4% above the state's $70 average. Young drivers pay the most of any bracket in the city, averaging $364 a month for full coverage.
Because Shreveport's full-coverage premium runs so far above the state average while its minimum-coverage premium barely does, coverage type matters more here than it does statewide. Drivers who need full coverage — those who lease or finance, or new-car owners — especially should shop around for the most competitive rate.
Minimum Coverage | $73 | $70 |
Full Coverage | $210 | $169 |
Comparing quotes saves Shreveport drivers $94 a month on full coverage by switching from AAA to Farm Bureau, the biggest cost-savings available to most drivers with a clean record. Matching coverage to your vehicle's value is the next-biggest at $70 a month. Here's how to capture both, plus four more ways to cut your rate.
Don't assume the insurer you had with a clean record is still your cheapest option after a violation. Farm Bureau's $52 DUI rate is $238 less than Farmers' $290, the widest violation-specific spread in Shreveport. Picking the wrong carrier after a DUI costs far more than picking the wrong one with a clean record.
Farm Bureau's young-driver rate in Shreveport is $268 a month; its adult rate is $116. That $152 monthly change is the single biggest rate shift tied to age in this city's data, but it only applies once you re-quote.
Farm Bureau's $116 full coverage rate undercuts AAA's $210 by $94 a month, the widest carrier spread in Shreveport for clean-record drivers. Minimum coverage shoppers also benefit from comparing: Farm Bureau's $46 beats AAA's $73 by $27 a month, $324 a year.
Farm Bureau's full-to-minimum coverage difference in Shreveport is $70 a month. If your car's actual cash value doesn't justify comprehensive and collision, dropping to minimum coverage recovers that difference, as long as the vehicle isn't leased or financed (lenders require full coverage to protect their asset).
Try MoneyGeek's coverage needs calculator for a personalized read on which type of coverage fits your situation. Infrequent drivers may do better with pay-per-mile coverage instead.
GEICO's DUI rate in Shreveport is $116 a month against its clean-record rate of $52, a $64 monthly difference. Get quotes 30 days before your violation clears so the lower rate applies the moment it drops off your record instead of waiting for your next renewal.
Louisiana doesn't mandate a specific mature-driver discount, so confirm the details with your insurer directly. Carriers that offer one apply 5% to 15% off for drivers under 7,500 annual miles, which brings Farm Bureau's $121 senior rate down to somewhere between $103 and $115 a month. While you're comparing quotes, ask about every discount you qualify for; some insurers won't volunteer them unless you ask.
Farm Bureau has Shreveport's cheapest rates at every level: $46 a month for minimum coverage ($552 a year) and $116 a month for full coverage ($1,392 a year). Rates depend on your driving record and age, so compare quotes against your own profile.
Car insurance in Shreveport averages $876 a year for minimum coverage and $2,520 a year for full coverage. Full coverage runs 24% above Louisiana's statewide average, while minimum coverage runs just 4% above it.
Yes. Shreveport ranks 201st for full coverage and 210th for minimum coverage affordability among Louisiana cities, and its full coverage rates sit well above the state average.
It depends heavily on the carrier, but Farm Bureau's DUI rate rises just 12% over its clean-record rate, to $52 a month, while GEICO's DUI rate more than doubles, jumping 122% to $116 a month. Louisiana also requires an SR-22 filing for three years after a DUI conviction.
Shreveport drivers pay some of Louisiana's highest car insurance rates, with premiums varying by driver profile and driving record. We designed our research to find insurers offering the best rates for Shreveport's unique driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
