State-minimum liability in Shreveport averages about $87 a month at 15/30/25 limits, against about $205 a month for full coverage. This guide covers what changes your rate, what Louisiana requires, and how to compare quotes.
The least coverage you can carry and still drive legally in Shreveport is state-minimum liability coverage at 15/30/25 limits, the lowest coverage level Louisiana law allows. It averages about $87 a month in Shreveport in 2026, against about $205 a month for full coverage, according to MoneyGeek. What you pay depends most on the coverage level you choose, your driving record, your credit and your ZIP code.
Shreveport averages less than the Louisiana average at both coverage levels, and ranks ninth of the ten Louisiana cities MoneyGeek reports for full coverage. Only Bossier City, across the Red River, averages less. These are averages across all carriers, not GoAuto rates.
| Coverage level | Shreveport | Louisiana average |
|---|---|---|
| State-minimum liability15/30/25 limits | $87 / month | $99 / month |
| Full coverageLiability + comprehensive + collision | $205 / month | $236 / month |
Source: MoneyGeek, “Average Cost of Car Insurance in Louisiana for 2026”, city comparison table, updated August 26, 2026, accessed October 23, 2026. Market averages across all carriers only.
For requirements, local driving conditions and what each coverage pays for, see our guide to car insurance in Shreveport.
Six factors account for most of the difference between two Louisiana quotes. Each row below changes one factor and holds the rest steady.
| What changes the rate | Lower-cost case | Higher-cost case |
|---|---|---|
| Coverage level (Louisiana average) | State minimum: $99 / month | Full coverage: $236 / month |
| Driving record (full coverage) | Clean record: $248 / month | DUI: $344 / month |
| Credit (full coverage) | Good credit: $231 / month | Bad credit: $312 / month |
| Vehicle (full coverage) | Ford F-150: $341 / month | Tesla Model Y: $481 / month |
| Age (male driver added to a family policy) | Age 25: $363 / month | Age 16: $666 / month |
| Where you live (full coverage) | Bossier City: $182 / month | New Orleans: $379 / month |
Source: MoneyGeek, “Average Cost of Car Insurance in Louisiana for 2026”, updated August 26, 2026, accessed October 23, 2026. Market averages across all carriers, not GoAuto rates. Each row changes one factor and holds the others at MoneyGeek’s baseline driver (40 years old, clean record, good credit, 2012 Toyota Camry), so the rows use different baselines and should not be added together.
Most of what lowers a premium is in the driver’s hands, though none of it works the same way at every carrier.
Shreveport adds no city requirement of its own. The Louisiana minimum applies, written as 15/30/25 in the Louisiana Department of Insurance consumer guide.
| Coverage | Louisiana minimum |
|---|---|
| Bodily injury liability, per person | $15,000 |
| Bodily injury liability, per accident | $30,000 |
| Property damage liability | $25,000 |
Louisiana is an at-fault state, so the driver who causes a crash is responsible for the resulting injuries and damage.
Louisiana also has a No Pay, No Play law. Since August 1, 2025, it bars an uninsured driver from recovering the first $100,000 of bodily injury damages and the first $100,000 of property damage after a crash, even when another driver was entirely at fault. The limits were raised from $15,000 and $25,000 by Act 16 of the 2025 Regular Session, which amended La. R.S. 32:866. The bar does not apply in every case, for example where the at-fault driver was convicted of DWI, intentionally caused the crash or fled the scene. Check the statute for your own circumstances.
The minimum keeps you legal. It does not always keep you covered. Three situations call for more:
If you are not sure which coverage level fits your car and your budget, contact GoAuto to talk it through.
GoAuto Insurance writes auto coverage across its licensed states, and considers drivers with a range of records. GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, and can handle SR-22 filing once your policy is active. Down-payment and payment options vary by state and situation. Eligibility, coverage, filing timelines, and pricing depend on your state and your individual circumstances, so to see what applies to you, get a quote.
State-minimum liability at 15/30/25 limits averages about $87 a month in Shreveport in 2026, according to MoneyGeek, against a Louisiana average of $99. Full coverage averages about $205 a month in Shreveport and $236 statewide. These are averages across all carriers. Your own quote depends on your record, credit, vehicle and ZIP code.
Louisiana requires liability coverage of at least $15,000 for bodily injury per person, $30,000 per accident and $25,000 for property damage, written as 15/30/25. That is the lowest coverage level Louisiana law allows. It pays for injuries and damage you cause to other people and nothing toward repairing your own vehicle, and a lender will usually require more on a financed car.
MoneyGeek’s 2026 Louisiana data puts full coverage after a DUI at about $344 a month, against $248 for the same driver with a clean record, an increase of about 39%. That is a larger increase than for an at-fault accident or a speeding ticket. A DUI may also bring an SR-22 filing requirement. Carriers weight a DUI differently, so quotes after one vary widely.
Yes. Louisiana lets insurers use credit history in pricing, and MoneyGeek’s 2026 data puts full coverage at about $312 a month for a driver with bad credit against $231 with good credit, a gap of about $81 a month. Each carrier weights credit differently, which is why drivers with damaged or thin credit see a wide spread between quotes.
On average, yes. MoneyGeek’s 2026 figures put full coverage at about $205 a month in Shreveport and about $379 in New Orleans, and minimum coverage at about $87 and $164. MoneyGeek attributes the New Orleans figure to its vehicle theft rate, its flood risk and its heavier traffic. A city average is a starting point only; your own quote depends on your record, vehicle and ZIP code.
Get the best coverage options in Shreveport by connecting with a dedicated agent, finding a sales office near you, or receiving your free online quote today!
Last updated: October 2026. The information below is general educational content drawn from public industry sources. Specific rate impacts vary by state, by carrier, by individual driving history, and by the rate factors filed and approved with each state Department of Insurance. The ranges and patterns in this article are industry estimates, not GoAuto rating factors. For an accurate quote, contact GoAuto directly.
This article is for general informational purposes only and is not legal or insurance advice. Coverage, pricing, eligibility, and SR-22 or state-minimum requirements vary by state and by driver. GoAuto Insurance is available in TX, LA, GA, FL, NV, OH, AL, and TN. Confirm requirements with your state DMV and get a quote for terms specific to you.
