Shreveport Car Insurance

The Zebra
May 30, 2018

Car Insurance in Shreveport

On average, Shreveport premiums sit under Louisiana's average by 9%, so if you are insuring a vehicle in Shreveport, saving money is especially crucial. Going over some ways to save on Shreveport car insurance can save you some hard-earned money.

  • City Average: $2,022
  • State Average: $2,225
  • National Average: $1,427

Shreveport Car Insurance by Credit Rating

People with Very Poor credit (300-579) normally pay 110% more each year for car insurance than those with Exceptional credit (800-850). Drivers can save close to $393 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $3,671
  • Fair: $3,027
  • Good: $2,551
  • Very Good: $2,138
  • Exceptional: $1,745

Shreveport Car Insurance by Age

Among all age groups, drivers in their 50s have the lowest car insurance payments, with rates of $1,788 per year. Car insurance premiums are highest for teenage drivers, with rates that average $8,321 per year. The biggest dip in premiums for Shreveport drivers happens when they reach their 20s. Once out of the teenage age range, individuals save an average of $5,523. Insurance rates for drivers continue to shrink through their 50s, but they can expect an increase when they hit 60.

  • Teenagers: $8,321
  • 20s: $2,798
  • 30s: $1,998
  • 40s: $1,946
  • 50s: $1,788
  • 60s: $1,975
  • 70s: $2,040

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Shreveport Car Insurance by Gender and Marital Status

In Shreveport, both marital status and gender have an effect on your car insurance premiums. Males have premiums that are roughly 2% cheaper than those for females. Rates for those who are widowed are marginally cheaper than rates for those who are single. Single individuals spend an average of 5% more per year compared to those who are married.

  • Female: $2,053
  • Male: $2,022
  • Single: $2,022
  • Married: $1,925
  • Divorced: $2,022
  • Widowed: $2,002

Shreveport Car Insurance by Accident or Violation History

Being knowledgable about which driving mishaps can inflate the cost of rates will help you make better decisions and save money. A DUI will increase your car insurance premiums more than other driving violations. Generally, a DUI in Shreveport will cost you 52% more in car insurance premiums versus the city average of $2,022. Reckless driving will also drive your rates up, with average rates of $2,999. If you are found at-fault in an accident in Shreveport, you can expect your annual car insurance payments to increase by 46%.

  • DUI: $3,079
  • Reckless Driving: $2,999
  • At-fault Accident (damages less than $1000): $2,951
  • At-fault Accident (damages greater than $2000): $2,951
  • Speeding Ticket (16-20 mph over speed limit): $2,439