Shreveport Auto Insurance Rates, Quotes, Agents & Reviews in LA

Shreveport, LA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Shreveport, LA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

The Average Cost of Auto Insurance in Shreveport, LA, is $2,229

Drivers in Shreveport, LA, pay an average of $2,229 on auto insurance. This cost is lower than the cost of auto insurance in neighboring places such as Stonewall, Blanchard, Lakeview, Red Chute, and Greenwood.

Demographics:

The age and gender of the driver are major factors that affect the cost of auto insurance. Younger car owners end up spending more on auto insurance because of their lack of experience behind the wheel. Consequently, an increase in driving experience can reduce the cost of auto insurance. As the above infographic indicates, the cost of auto insurance for teenagers in Shreveport is a massive $7,233, whereas it is $1,965 and $1,993 for drivers in their fifties and sixties.

Driving Record:

A poor driving record can also lead to a massive increase in auto insurance costs for car owners in Shreveport, LA. Post-DUI, the cost of auto insurance rises to $3,090. Other major driving violations can also cause a massive increase in rates. Driving with an expired license or running a red light can severely increase as well as have a long-term impact on one’s premium. The former leads to an increase of $1,502, while the latter causes an increase of $519.

Being a safe driver has its benefits since the amount of risk undertaken by the insurer is low for drivers with fewer violations.

Credit Score:

Possessing a healthy credit score is essential in lowering the cost of auto insurance in Shreveport. If a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,912. It can be as high as $3,030 and $3,636 if the credit score is average or poor.

Deductibles:

The rate of deductibles is one of the most common factors affecting the cost of auto insurance in Shreveport, LA. Opting for a higher deductible helps in reducing the cost of auto insurance, while a lower deductible increases it. For instance, in Shreveport, the average cost of auto insurance when the deductible is $500 is $1,822. This reduces to $1,539 when the rate of the deductible is $1,000.

Top car insurance companies in Shreveport, Louisiana, show a wide variation in premium rates

Zimlon’s analysis of the top four car insurance companies by market share showed that for all seven of the driver cohorts analyzed USAA Casualty Insurance Company offers cheaper than median premium prices, in the city.  For this analysis, Zimlon picked the top five auto insurance companies based on the 2016 NAIC report: State Farm Mutual Automobile Insurance Company, Allstate Fire and Casualty Insurance Company, Progressive Paloverde Insurance Company, and USAA Casualty Insurance Company.

A comparative study of their policies disclosed that the cheapest premium rate compared to the median is offered by USAA Casualty Insurance Company. For 60-year-old married women with a driving record of one at-fault accident in the past 18 months, the deviation from the median is as much as $958. Second is State Farm Mutual Automobile Insurance Company, which offers 18-year-old single women with one at-fault accident in the past 18 months a premium that differs by $480 from the median. Zimlon’s study considered the bodily injury per person limit, bodily injury per accident limit, and property damage per accident limit as $15,000, $30,000, and $30,000, respectively. In addition, the uninsured motorist liability was $15,000 and uninsured motorist liability per accident limit was taken to be $ 30,000. In addition, the analysis focuses on the 2011, 2014, and 2017 models of the Toyota Camry.

The following table lists the seven driver cohorts, median premium rate for each cohort, and premiums charged by companies with the highest market share in Shreveport, LA.

Cohort Median State Farm Mutual Automobile Insurance Company Allstate Fire and Casualty Insurance Company Progressive Paloverde Insurance Company USAA Casualty Insurance Company
21-year-old single women with two at-fault accidents in the past 18 months $524 $40 $123 $72 $240
60-year-old married women with one at-fault accident in the past 18 months $2294 $324 $196 $114 $958
30-year-old married men with no at-fault accident in the past 18 months $1,884 $361 $133 $165 $706
18-year-old single women with one at-fault accident in the past 18 months $1,498 $480 $252 $195 $602
18-year-old single males with one at-fault accident in the past 18 months $463 $73 $209 $18 $199
48-year-old single women with no at-fault accident in the past 18 months $1,720 $487 $30 $38 $705
21-year-old single men with two at-fault accidents in the past 18 months $1,071 $94 $208 $22 $158

*In the above table, the boxes in light red represent values greater than the median. The boxes in light green represent values lesser than the median.

State Farm Mutual Automobile Insurance Company offers premium insurance rates that are less than the median for six out of the seven driver cohorts. The cheapest it offers is for the 48-year-old female drivers’ cohort, whereas the most expensive premium is for 21-year-old single men with two at-fault accidents in the past 18 months, which is $94 greater than the median.

Allstate Fire and Casualty Insurance Company offers premiums that are higher than the median. Its most expensive premium is for 18-year-old single women with one at-fault accident in the past 18 months, which is $252 greater than the median.

Progressive Paloverde Insurance Company offers the cheapest premium rate for 60-year-old married women with one at-fault accident in the past 18 months, which is $114 less than the median. Its most expensive premium rate is $195 greater than its median rate offered for 18-year-old single women with one at-fault accident in the past 18 months.

Finally, USAA Casualty Insurance Company offers the cheapest car insurance premiums. Among the driver cohorts, 30-year-old married men with no at-fault accident in the past 18 months are offered the cheapest premium rates, followed by 60-year-old women. The premium rate for the former segment is $706 less than the median.

The following chart compares the car insurance premium rates of the four companies with the highest market share in Shreveport, Louisiana.

No-image

Factors that can influence the cost of car insurance in Shreveport, LA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Shreveport, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Shreveport, LA with that of other cities in and around Shreveport.

Shreveport Stonewall Blanchard Lakeview Red Chute Greenwood
Average Insurance Rates $2,229 $2,517 $2,490 $2,388 $2,479 $2,401

Shreveport, LA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Shreveport, LA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Shreveport $1,822 $1,539
Lakeview $1,066 $900
Caddo $1,107 $935
Blanchard $2,899 $2,449
Greenwood $1,435 $1,212
Red Chute $1,515 $1,280
Stonewall $1,457 $1,231
Eastwood $1,129 $954

Shreveport, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Shreveport, LA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $7,233
20 Years $2,864
30 Years $2,206
40 Years $2,122
50 Years $1,965
60 Years $1,993
70 Years $2,320

Shreveport, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Shreveport, LA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,789 $669
3 Vehicles $5,684 $1,003
4 Vehicles $7,579 $1,337

Savings on 2 Vehicles bundle:$669

Savings on 3 Vehicles bundle:$1,003

Savings on 4 Vehicles bundle:$1,337


Shreveport, LA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Shreveport, LA.

Location Average Insurance Cost Post DUI Insurance Rate
Shreveport $2,229 $3,090
Lakeview $2,388 $3,310
Caddo $2,438 $3,379
Blanchard $2,490 $3,451
Greenwood $2,401 $3,328
Red Chute $2,479 $3,436
Stonewall $2,517 $3,489
Eastwood $2,560 $3,548

Shreveport, LA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,912
Excellent (740-799) $2,183
Good (670-739) $2,323
Average (580-669) $3,030
Poor (300-579) $3,636

Shreveport, LA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Benee Irwin State Farm 411 Sophia Ln, Shreveport, 71115-2503 318-798-1233
Kraig Wood Allstate 9478 Mansfield Rd, Shreveport, 71118 (318) 688-8888
Wesley Eckles State Farm 6121 Hearne Ave, Shreveport, 71108-4319 318-635-6487
Kary Landry State Farm 2802 Old Minden Rd, Bossier City, 71112-2316 318-747-7676
Adam Bass Agency Llc Allstate 1700 Old Minden Rd, Bossier City, 71111 (318) 747-0683
Jeff Pace Allstate 4505 Youree Dr, Shreveport, 71105 (318) 868-5785
Nathaniel Hebert Allstate 1155 E Bert Kouns Industrial Loop, Shreveport, 71105 (318) 677-3559
Bernard Insurance Agency, Llc None 766 Professional Drive North, Shreveport, 71105 None
Ed Rowell State Farm 4405 Youree Drive, Shreveport, 71105-3620 318-869-1697
Keith D Peterson & Co Inc Liberty Mutual Independent 708 Milam St, Ste 300, Shreveport, 71101 None
Tom Wood State Farm 1939 E 70th Street, Shreveport, 71105-5351 318-797-2282

Shreveport, LA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$98 $2,327
Driver's Failure In Showing Documents +$216 $2,445
Driving With An Expired Registration +$230 $2,459
Driving At A Considerably Slow Pace +$484 $2,713
Using A Cellphone While Driving +$510 $2,739
Running A Red Light +$519 $2,748
Speeding +$546 $2,775
Driving A Vehicle Without The Required Permission +$693 $2,922
Driving With An Expired/Suspended License +$1,502 $3,731

Shreveport, LA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $2,140
Active Disabling Device $2,140
Tracking Device $2,095
Passive Disabling Device $2,073

Latest Auto Insurance Reviews in Shreveport, LA | Back to Top

State Farm
My deductable is the standard 500/1000 deductable. I would rather have this deductable then the higher deductable and the lower rate for insurance. I would rate them a 5.
State Farm
Their policies were way more affordable compared to other insurance companies. They also offer more with their policies like road side assistance and car rental service.
State Farm
i would recommend my current insurance company to other people because they have good policies and good prices, plus they have local agents all over town and the country.
Allstate
My premium is extremely low, and my deductible is the standard $1000 which I chose to save money. I have what most plans have, but I save a lot of money
State Farm
I would absolutely recommend this company for instancei because they don't jerk you around like the majority of companies out there. Everything is straightforward and easy to understand.
Liberty Mutual
Great customer service. they are always there when I need an answer. Easy website to navigate. Quick response when I have a claim and the repair place has had no problem getting their money.
State Farm
when compared to all other insurance company.. this is a best provider one.. and i took part in this company i feel happy with this car insurance company
State Farm
when compared to all other insurance company.. this is a best provider one.. and i took part in this company i feel happy with this car insurance company
Progressive
The only dislike is that they do not provide us the new plans that are yet to be started by them as their representative does not have the knowledge of the policy in advance.
Travelers
The phone customer service has been great and easy to reach. Wait times are reasonable and associates are helpful.
Progressive
Progressive typically offers a person with my qualifications a low or lowest rate of car insurance.
State Farm
Travelers is considerably cheaper than others. I have a luxury car and Im paying a very small premium
State Farm
My insurance company does a good job offering high-quality services at a reasonable cost. They have local agents, but can also be reached online.
Allstate
The customer support of my insurance company is phenomenal. I felt very guilty switching from Allstate a few years ago because I really do like my agent. I was extremely happy to be able to switch back this year as my agent is always accessible and friendly and has even called me from his personal cell phone to answer an email when he was out of the office.
Geico
We have compared the rates from various other auto insurance companies and have found that Geico is by far the cheapest for us. When calling companies for a quote, people we have spoken to have been shocked by how low our premium is. Other companies have given us quotes for insurance that are two to three time more than what we are currently paying, we have not found any that are even close.