Updated March 2026
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What Affects Rates in Shreveport
- The I-20/I-49 interchange downtown concentrates commuter traffic and generates a disproportionate share of Caddo Parish accidents. Rear-end collisions spike during peak hours on westbound I-20 between Youree Drive and the Texas Street exit. Liability and collision coverage costs reflect these high-frequency zones.
- Neighborhoods south of Southern Avenue, particularly areas near Bert Kouns Industrial Loop, report elevated vehicle theft and break-in rates compared to south Highland or Pierremont areas. Comprehensive coverage premiums increase 15–25% for garaging addresses in ZIP codes 71103 and 71109 relative to 71106.
- Properties near the Red River, including parts of downtown and Ledbetter Heights, face periodic flooding that damages parked vehicles during spring storm surges. Comprehensive coverage is essential for drivers in flood-prone zones, as standard collision policies exclude water damage. The 2015 and 2016 floods resulted in thousands of total-loss claims.
- Youree Drive from I-20 to Bert Kouns serves as Shreveport's primary commercial spine, with heavy traffic, frequent lane changes near shopping centers, and aging pavement that contribute to higher accident rates. Drivers who commute this corridor daily typically see 5–10% higher collision premiums than those using less congested routes.
- Caddo Parish maintains an estimated 13–15% uninsured motorist rate, slightly above the state average, driven by economic challenges in lower-income neighborhoods. Uninsured/underinsured motorist coverage is critical for protecting against at-fault drivers without adequate liability limits, especially on high-traffic routes like Jewella Avenue and Hearne Avenue.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Covers injuries and property damage you cause to others in an at-fault accident.
Combines liability, collision, and comprehensive into a complete policy package.
Covers non-collision damage including theft, vandalism, flooding, and weather events.
Pays for your vehicle damage after accidents regardless of fault.
Protects you when hit by a driver without insurance or insufficient coverage.
Liability Insurance
Essential on I-20 and I-49 where multi-vehicle pileups during fog or rain create significant bodily injury exposure.
$650–$950/yearEstimated range only. Not a quote.
Full Coverage
Recommended for Shreveport drivers facing both theft risk in southern neighborhoods and flood exposure near the Red River.
$1,450–$2,100/yearEstimated range only. Not a quote.
Comprehensive Coverage
Critical for vehicles garaged near Red River flood zones or in south Shreveport areas with elevated theft rates.
$350–$550/yearEstimated range only. Not a quote.
Collision Coverage
High value on pothole-damaged streets like Youree Drive and congested Youree/Bert Kouns intersections with frequent fender-benders.
$500–$750/yearEstimated range only. Not a quote.
Uninsured Motorist
Caddo Parish's 13–15% uninsured rate makes this coverage vital for protecting against underinsured at-fault drivers on Jewella and Hearne corridors.
$150–$280/yearEstimated range only. Not a quote.