Shreveport Auto Insurance Rates & Coverage

Drivers in Shreveport pay $1,650–$2,400 annually for full coverage, roughly 8-12% above the Louisiana average due to I-20 congestion, higher vehicle theft rates in downtown corridors, and flood risk near Cross Lake and the Red River.

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Rates From Carriers Serving Shreveport, Louisiana

White car with severe front-end collision damage showing crumpled hood and broken headlight after accident

Updated March 2026

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What Affects Rates in Shreveport

The I-20/I-49 interchange near downtown creates daily backups, especially during rush hour and casino traffic heading to the riverfront. Rear-end collisions spike along the I-20 corridor between Jewella Avenue and Airline Drive. Drivers commuting from Bossier City via I-20 face higher collision frequency, which insurers price into premiums.
Shreveport's vehicle theft rate runs 15-20% above the state average, concentrated in downtown, the MLK Boulevard corridor, and parts of Cedar Grove. Comprehensive coverage costs more here than in Bossier City or suburban Blanchard. Older pickups and sedans are frequent targets near commercial strips along Hearne Avenue and Texarkana Avenue.
Neighborhoods near Cross Lake, Twelve Mile Bayou, and the Red River floodplain face elevated comprehensive claims after heavy spring rains. ZIP codes 71109 and 71106 see higher water damage claims than southern Shreveport. Comprehensive coverage is essential for vehicles parked near drainage channels or in flood-prone subdivisions like Lakeshore and Querbes Park.
Caddo Parish uninsured motorist rates hover near 13-15%, slightly above Louisiana's statewide 12%. Accidents involving uninsured drivers are more common along Mansfield Road, Southern Avenue, and Pines Road. Uninsured motorist coverage is critical, especially for drivers in older neighborhoods with higher economic instability.
Premiums in South Shreveport and Highland neighborhoods run 10-15% lower than downtown and North Shreveport ZIP codes. Areas near Youree Drive and East Ridge see fewer theft and collision claims. Drivers in 71105 and 71118 (South Shreveport) typically pay less than those in 71101 and 71103 (downtown and North Shreveport).

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Coverage Recommendations

Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.

Liability Insurance

Critical on I-20 and I-49 where congestion and lane merges create frequent rear-end collisions near downtown and the Texas Street exit.

$650–$1,100/year