Updated March 2026
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What Affects Rates in Shreveport
- Interstate 20 runs directly through Shreveport, creating heavy commuter congestion during morning and evening rushes, especially between the Louisiana Downs exit and the I-49 interchange. Rear-end collisions are common near the Pines Road exit where traffic merges from downtown. For first-time drivers still learning defensive driving skills, this corridor significantly impacts your liability insurance rates—insurers know accidents here are frequent.
- Vehicle theft is concentrated in downtown Shreveport and the Highland neighborhood, with theft rates roughly 40% higher than Louisiana's average. Comprehensive coverage—the part of your policy that covers theft—costs more here as a result. If you're parking regularly near Texas Street or in older residential areas west of Centenary College, expect higher premiums than friends in South Shreveport or Bossier City.
- Youree Drive from I-20 to Bert Kouns is one of the city's busiest commercial strips, with constant turning traffic into shopping centers and restaurants. Fender-benders in parking lot exits and intersection accidents near Pierremont Road are common. Collision coverage—which pays for damage to your car when you're at fault—reflects this concentrated activity, especially for younger drivers with less experience navigating congested retail areas.
- Shreveport sits directly on the Red River, and flooding events impact neighborhoods near Cross Lake and areas south of the river in lower-lying sections. Comprehensive coverage protects against flood-related vehicle damage, and insurers price this risk into policies for drivers living near Lakeshore Drive or properties backing up to the bayous. If you're renting or buying near water, this matters more than it would in drier parts of Louisiana.
- Caddo Parish has an uninsured motorist rate around 13%, slightly above the state average. This means there's a meaningful chance the other driver in an accident won't have insurance to cover your damages. Uninsured motorist coverage—an optional add-on that protects you when the at-fault driver has no insurance—is particularly important here, especially for first-time buyers who may not realize it's not automatically included in Louisiana's minimum requirements.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Pays for injuries and damage you cause to others in an at-fault accident—this is the foundation of every policy and the only coverage Louisiana requires.
Combines liability with collision (covers your car when you're at fault) and comprehensive (covers theft, flooding, vandalism)—typically required if you're financing a vehicle.
Covers non-collision damage: theft, flooding, hail, vandalism, and animal strikes—you pay a deductible (usually $500-$1,000) and insurance covers the rest.
Protects you when an at-fault driver has no insurance or not enough to cover your injuries and damage—optional in Louisiana but highly recommended.
Pays to repair your car after an accident you cause, minus your deductible—often required by lenders but optional if you own your car outright.
Liability Insurance
Critical on I-20 and Youree Drive where rear-end collisions and merge accidents are common; minimum limits may not be enough if you cause a serious accident in heavy traffic.
$80-$150/month for minimum limitsEstimated range only. Not a quote.
Full Coverage
Essential in Shreveport given downtown theft rates and Red River flood risk; lenders require this, and it protects your investment in neighborhoods like Highland where break-ins are more frequent.
$200-$350/monthEstimated range only. Not a quote.
Comprehensive Coverage
Particularly valuable in Shreveport due to vehicle theft concentrations downtown and flood exposure near Cross Lake and the Red River bottomlands.
$40-$80/monthEstimated range only. Not a quote.
Uninsured Motorist Coverage
With Caddo Parish's 13% uninsured rate, this coverage bridges the gap when the other driver can't pay for the damage they caused on congested roads like Bert Kouns or East 70th Street.
$15-$35/monthEstimated range only. Not a quote.
Collision Coverage
Worth considering given Shreveport's busy parking lots along Youree Drive and tight downtown streets where low-speed accidents are frequent.
$60-$120/monthEstimated range only. Not a quote.