Cheapest Auto Insurance in Shreveport, Louisiana (2024)
State Farm has the cheapest liability coverage in Shreveport, with an average monthly cost of $64.
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Updated October 30, 2024
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Table of contents
In Shreveport, drivers pay $132 per month for liability car insurance, which is lower than the state average of $141.
The average cost of coverage is more expensive in Shreveport — and other Louisiana cities — than the national average cost of car insurance. Caddo Parish, which includes Shreveport, had the third-most traffic fatalities in Louisiana in 2022.[1] The high rates of traffic fatalities in the state and its exposure to property damage from severe weather likely lead to more expensive insurance rates.
Here’s what you need to know about comparing quotes and finding cheap auto coverage in Shreveport.
Quick Facts
State Farm, USAA, and National General have the cheapest liability insurance in Shreveport.
The average cost of full-coverage insurance in Shreveport is $249 per month, which is lower than the state average of $265 but higher than the national average of $211.
Comprehensive insurance can cover vehicle damage from flooding, though liability and collision insurance don’t.[2]
3 of the cheapest car insurance companies in Shreveport
A few companies stand out in Shreveport for cheap car insurance quotes. State Farm, USAA, and National General consistently offer competitive rates, making them great options for drivers in the city. However, the best option for you depends on your driving profile and insurance needs.
The quotes below reflect national average costs for U.S. drivers.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $121 | $55 | Cheap rates |
| USAA | 9.4 | $166 | $80 | Military members |
| National General | 6.8 | $166 | $80 | Drivers with a DUI |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $105/mo |
State Farm is the most affordable car insurance company in Shreveport. With an Insurify Quality (IQ) Score of 9.3 out of 5, it’s an excellent choice for budget-conscious drivers who don’t want to sacrifice coverage quality. Policyholders benefit from customizable coverage and 10 advertised discounts.
Pros
Cheapest average rates in Shreveport
26 insurance agents in Shreveport
Above-average rating in southeast region in the J.D. Power 2023 U.S. Auto Insurance Study[3]
Cons
Gap insurance not available
Some online customer complaints cite rate increases after accidents
Fewer discounts than some insurers
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
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Best insurer for military members: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $132/mo |
USAA offers standard coverage options to active, reserve, and retired military members — and eligible family members. The company offers low rates in Shreveport. USAA’s high IQ Score of 9.4 indicates solid financial strength and quality coverage.
Pros
Customizable policy options
Offers discount for garaging your car on a military installation
Below-average number of customer complaints, according to National Association of Insurance Commissioners (NAIC) data
Cons
Coverage not available to everyone
No local offices in Louisiana
No customer service hours on Sundays
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
…
Best insurer for drivers with a DUI: National General
National GeneralCompare personalized, real-time quotes
| User Reviews | 2.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $192/mo |
A subsidiary of Allstate, National General provides coverage to different types of drivers — including people with a DUI on their record. The company has at least seven advertised discounts and offers a number of optional coverage add-ons.
Pros
Offers non-standard policies with several add-on coverages
SR-22 filing available
Home and auto coverage bundling
Cons
May not offer coverage to repeat DUI offenders
Gap insurance not available
Poor mobile app ratings
Read more driver reviews of National General
Hungwah - October 29, 2024
Verified
Try a few other companies, but the prices quoted were not competitive
If I can find a cheaper rate, I will switch.
Tasha - October 28, 2024
Verified
Review of Current Insurance
They are not a good company to get insurance with. I've never heard of a company not including towing in their insurance and still charging a lot for liability insurance.
Jean - October 28, 2024
Verified
Information Provided Upon Disaster
There is no transparency. NG is layered in different companies that do not provide answers, but point to each other. It is a shell game. Very disappointed.
…
How to get the cheapest car insurance in Shreveport
Factors such as your age, driving record, type of vehicle, and coverage options can all play a role in determining your car insurance rate. But whether you’re a new driver or looking to switch companies, finding affordable car insurance in Shreveport might be easier than you think.
Consider higher deductibles. Opting for a higher deductible can lower your premiums, but you’ll pay more out of pocket if you need to file a claim.
Maintain a clean driving record. Avoid accidents and traffic violations that can lead to higher premiums by practicing safe driving habits.
Look for discounts. Take advantage of common discounts — such as good driver, multi-policy, or safety feature discounts — to reduce your insurance costs.
Bundle your policies. Bundling your car insurance with other policies, such as homeowners insurance or renters insurance, can often lead to additional discounts and overall savings.
Compare quotes. You can find the most competitive rates and coverage options by comparing quotes from different insurers.
Find Cheap Auto Coverage in Shreveport
Liability quotes start at $64/mo
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Cheapest liability-only car insurance in Shreveport: State Farm
Liability-only coverage is often the cheapest car insurance option available, but it doesn’t provide robust coverage for your vehicle. When you have a liability-only policy, it covers the bodily injury or property damage you cause the other driver in an accident. It doesn’t cover any damage to your own vehicle.
The average cost of liability insurance is $132 per month. Here are the cheapest liability-only coverage options in Shreveport.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $64 |
| USAA | $80 |
| National General | $95 |
| Allstate | $104 |
| GEICO | $104 |
| Direct Auto | $105 |
| Progressive | $124 |
| Clearcover | $142 |
| The General | $146 |
| Bristol West | $206 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Shreveport: State Farm
Deciding on the right amount of coverage for your vehicle is one of the most important choices you make about your car insurance. Liability coverage only pays for damages and injuries you cause to others in an accident. Full-coverage policies include liability, collision, and comprehensive insurance to extend coverage to your vehicle, regardless of fault.[4]
You should consider purchasing full-coverage insurance if you have a new or valuable vehicle. And if you’re leasing or financing your vehicle, your lender may even require it.
Find the cheapest full-coverage insurance options in Shreveport below. On average, Shreveport drivers pay $249 per month for full-coverage insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $105 |
| USAA | $132 |
| Allstate | $171 |
| GEICO | $172 |
| National General | $192 |
| Direct Auto | $200 |
| Progressive | $202 |
| Clearcover | $234 |
| The General | $279 |
| Bristol West | $383 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Shreveport, Louisiana
Recent Shreveport, Louisiana car insurance prices for GMC, Chevrolet, BMW , and more.
*Quotes generated for Insurify users in and around Shreveport, Louisiana within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Shreveport, Louisiana within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Louisiana
Louisiana operates under a comparative fault rule, which several other states in the U.S. also follow. In practice, this means that each party involved in an accident covers damages in proportion to their percentage of fault.[5] If you wish to file a lawsuit related to a car accident, you typically must do so within a year.[6]
The state requires drivers to carry liability insurance with the following minimum limits:[7]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person and $30,000 per accident |
| Property damage liability | $25,000 per accident |
You should consider purchasing optional coverage beyond the minimum requirements for more financial protection. Learn more about the following common coverages to find the right balance between affordability and adequate coverage.
Medical payments coverage
This provides payment for medical expenses after a car accident, regardless of fault. You may see it referred to as MedPay coverage.
Uninsured/underinsured motorist coverage
In Louisiana, 11.7% of drivers are uninsured.[8] This coverage protects you from paying for medical expenses, property damage, and more if you have an accident with an uninsured or underinsured driver.
Full coverage
This policy type includes liability, collision, and comprehensive coverage to provide protection against accidents, theft, vandalism, and natural disasters.
Roadside assistance coverage
Specifics vary by insurer, but this add-on typically includes coverage for tire changes, jump-starts, towing, winching, and other vehicle services.
Cheapest car insurance for drivers with an incident
An incident refers to a moving violation reflected on your driving record, including at-fault accidents, speeding tickets, DUIs, and other moving violations. These violations can have a big effect on your car insurance rates.
Insurers use your past driving history to predict your risk level, and incidents demonstrate a greater risk of filing future claims. The severity and frequency of claims can also influence how much your past incidents affect your premium.[9]
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Having a speeding ticket on your record can result in a higher car insurance premium, though a single ticket may not have a substantial effect. Insurance companies view speeding as an indicator of risky driving, so they may adjust premiums accordingly. When it comes to more minor violations like speeding, some insurers are more forgiving than others.
The average cost of liability car insurance for Shreveport drivers with a speeding ticket is $194 per month. Find the cheapest liability-only rates for Shreveport drivers with a speeding ticket below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| State Farm | $64 | $84 |
| USAA | $80 | $106 |
| National General | $95 | $127 |
| Allstate | $104 | $138 |
| GEICO | $104 | $138 |
| Direct Auto | $105 | $139 |
| Progressive | $124 | $164 |
| Clearcover | $142 | $191 |
| The General | $146 | $196 |
| Liberty Mutual | $164 | $235 |
| Bristol West | $206 | $273 |
| Root | $248 | $351 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
You’re likely to see an increase in premiums after an at-fault accident, according to the Louisiana Department of Insurance (LDI).[10] The amount of damage caused in your accident can also influence how much your rate increases.
On average, Shreveport drivers with an at-fault accident pay $203 per month for coverage. Here are the cheapest coverage options for liability insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $64 | $89 |
| USAA | $80 | $112 |
| National General | $95 | $134 |
| Allstate | $104 | $145 |
| GEICO | $104 | $146 |
| Direct Auto | $105 | $150 |
| Progressive | $124 | $175 |
| Clearcover | $142 | $213 |
| The General | $146 | $207 |
| Liberty Mutual | $164 | $245 |
| Bristol West | $206 | $286 |
| Root | $248 | $369 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Alcohol consumption was a factor in nearly 40% of Louisiana’s 972 traffic fatalities in 2021, according to National Highway Traffic Safety Administration data.[11] Due to the severity of the offense, driving under the influence almost always comes with serious consequences, including a substantial increase in insurance rates.
However, Shreveport drivers with a past DUI still have affordable coverage options available. On average, drivers in the city with a DUI pay $229 per month for liability coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $64 | $108 |
| USAA | $80 | $135 |
| National General | $95 | $161 |
| Allstate | $104 | $176 |
| GEICO | $104 | $176 |
| Direct Auto | $105 | $178 |
| Progressive | $124 | $210 |
| Clearcover | $142 | $240 |
| The General | $146 | $247 |
| Liberty Mutual | $164 | $278 |
| Bristol West | $206 | $349 |
| Root | $248 | $420 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age is another factor that affects car insurance rates. Drivers typically see steadily decreasing rates between their 30s and 70s, thanks to more experience on the road.
However, senior drivers older than 70 have a higher fatal crash rate per mile driven than younger drivers, according to the Insurance Institute for Highway Safety.[12] This higher accident risk can result in slightly higher premiums.
The companies below offer the cheapest car insurance for Shreveport senior drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $48 | $79 |
| USAA | $62 | $103 |
| National General | $71 | $144 |
| Direct Auto | $80 | $152 |
| Allstate | $81 | $134 |
| GEICO | $81 | $134 |
| Progressive | $86 | $141 |
| Clearcover | $115 | $189 |
| The General | $116 | $222 |
| Liberty Mutual | $133 | $202 |
| Bristol West | $161 | $299 |
| Root | $201 | $306 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Families with teen drivers often struggle to find affordable car insurance. Due to a lack of driving experience and greater tendencies for risky behavior, teenagers typically pay the highest rates for car insurance.
You can utilize some tips to get the best rate as a teen driver. First, consider staying on your parents’ insurance policy. You can also opt for a car with good safety ratings to qualify for lower rates. Lastly, if you’re a student, maintain good grades and ask your insurer about a good student discount to save on premiums.
Find the cheapest Shreveport insurers for teenagers below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $118 | $194 |
| USAA | $145 | $239 |
| GEICO | $180 | $298 |
| Allstate | $199 | $327 |
| National General | $201 | $406 |
| Direct Auto | $206 | $393 |
| Progressive | $239 | $389 |
| The General | $254 | $485 |
| Clearcover | $293 | $483 |
| Liberty Mutual | $314 | $475 |
| Bristol West | $378 | $703 |
| Root | $410 | $625 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Shreveport car insurance quotes by credit tier
Insurance companies can use your credit-based insurance score as a factor to set rates, according to the LDI. Drivers with excellent and good credit history tend to pay lower insurance costs than those with poor credit history. In Shreveport, the effect of a policyholder’s credit history on car insurance premiums can vary significantly across insurance companies.
Find average full-coverage car insurance rates by credit tier in Shreveport below.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Shreveport?
Shreveport drivers generally pay more for car insurance than the national average of $104 per month for liability insurance and $211 for full coverage. On average, Shreveport drivers pay $132 per month for liability and $249 for full coverage. Statewide, Louisiana drivers pay $141 per month for liability and $265 for full coverage. Average rates in the state may skew high for a few different reasons, including high amounts of vehicle damage during hurricane season.
In Louisiana, car insurance rates can also differ between cities and ZIP codes, depending on population density, traffic congestion, local accident statistics, crime rates, and more. For example, Shreveport ranks third in the state for the number of motor vehicle thefts, according to the FBI Criminal Justice Information Services Division.[13]
More cities in Louisiana
On average, Shreveport drivers pay $132 per month for liability coverage and $249 for full-coverage insurance. Despite Caddo Parish having the third-highest number of traffic fatalities in Louisiana, Shreveport has cheaper car insurance than some other Louisiana cities.
Compare average costs in Louisiana below for different cities.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Baton Rouge | $181 | $346 |
| Bossier City | $121 | $261 |
| Lafayette | $161 | $276 |
| Lake Charles | $148 | $277 |
| Metairie | $153 | $286 |
| New Orleans | $153 | $286 |
| Slidell | $153 | $286 |
Shreveport car insurance FAQs
Finding the right level of auto coverage for an affordable price doesn’t have to feel overwhelming. The information below should answer your remaining questions and help you navigate the process of finding the best Shreveport insurer for you.
How much is car insurance in Shreveport?
On average, Shreveport drivers pay $132 per month for liability coverage and $249 for full-coverage insurance. This is lower than the state average rate of $141 for liability insurance and $265 per month but higher than the national average of $104 for liability and $211 for full coverage. Your specific rate depends on your driving record, age, credit history, insurer, and more.
Who has the cheapest car insurance in Shreveport?
State Farm has the cheapest liability insurance in Shreveport, with an average quote of $64 per month. USAA and National General also have affordable liability coverage on average at $80 and $95 per month respectively.
What are the best car insurance companies in Shreveport?
With low average rates, a high Insurify Quality (IQ) Score of 9.3 out of 5, and an AM Best financial strength score of A++ (Superior), State Farm is one of the best car insurance companies in Shreveport. On average, Louisiana drivers with coverage from State Farm pay $70 per month for liability insurance and $116 for full-coverage insurance. Other top companies selling coverage in the city include USAA and National General.
Why does Louisiana have such high car insurance?
Louisiana drivers have an expensive average car insurance rate of $141 per month for liability insurance and $265 for full-coverage insurance due to a few factors. Severe weather patterns, including hurricanes and tropical storms, can increase the amount of vehicle damage and claims filed, which increases an area’s insurance rates. The city and ZIP code you live in, rates of vehicle theft, population density, and more can influence rates.
Is Louisiana a no-fault state?
No. Louisiana is an at-fault state operating under a comparative fault rule. Responsibility for damage and loss following an accident is proportional to each driver’s percentage of fault. Louisiana drivers can typically sue for damages up to a year after an auto accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Louisiana
Sources
- LSU Center for Analytics & Research in Transportation. "Section B: Fatal Information."
- Louisiana Department of Insurance. "Important Information about Flooding."
- J.D. Power. "J.D. Power 2023 U.S. Auto Insurance Study."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Louisiana State Legislature. "CC 2323 Art. 2323. Comparative fault."
- NOLO. "Louisiana Car Accident Laws."
- Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance After an Accident."
- National Highway Traffic Safety Administration. "Traffic Safety Facts: 2021 Data."
- Insurance Institute for Highway Safety. "Fatality Facts 2021: Older people."
- FBI. "Louisiana Offenses Known to Law Enforcenment."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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)
)
)
)