Updated April 2026
See all Louisiana auto insurance rates →
What Affects Rates in Shreveport
- I-20 and I-49 Corridor Accident Density: Shreveport's position at the intersection of I-20 and I-49 generates elevated collision rates, particularly during commuter hours and near the Inner Loop. Insurers view DUI drivers operating in high-density corridors as compounded risks, adding 15–25% to violation-driver premiums beyond the base DUI penalty.
- Above-Average Uninsured Motorist Rate: Caddo Parish maintains an uninsured driver rate typically estimated near 13–16%, above the national average. Insurers price violation drivers higher in markets with elevated uninsured rates because at-fault accidents involving uninsured parties increase claim costs and uninsured motorist payouts.
- Non-Standard Market Concentration: Shreveport's high-risk insurance market is served by fewer non-standard carriers than metro areas like Baton Rouge or New Orleans, reducing competitive pricing pressure. Drivers with violations often face 20–30% higher non-standard premiums here than in larger Louisiana markets with more carrier options.
- Flood Zone and Comprehensive Claims: Areas near Cross Lake, the Red River, and recognized flood zones drive higher comprehensive coverage costs. Violation drivers required to carry full coverage by lenders face combined premium increases from both the DUI surcharge and elevated comprehensive rates tied to Shreveport's flood exposure.
- Caddo Parish Court Processing Timelines: DUI convictions processed through Caddo Parish courts typically generate SR-22 filing requirements within 30–60 days of sentencing. Missing the filing deadline triggers immediate license suspension, requiring reinstatement fees and extending your SR-22 period, which locks you into higher rates longer.
Find out exactly how long SR-22 is required in your state
Coverage Recommendations
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
SR-22 Certificate Filing
SR-22 is not a type of insurance — it is a certificate your insurer files with the Louisiana Office of Motor Vehicles proving you carry the state-required minimum liability coverage. In Shreveport, the filing itself costs $15–$50, but the underlying violation increases your premium by 85–120%. Your insurer must maintain continuous SR-22 filing for the required period, typically three years.
$15–$50 filing fee, plus 85–120% rate increaseEstimated range only. Not a quote.
Non-Standard Auto Insurance
Non-standard insurance is coverage designed for drivers standard carriers refuse due to violations, lapses, or claims history. After a DUI in Shreveport, most drivers move to non-standard carriers that file SR-22 certificates and accept high-risk profiles, typically paying $2,400–$5,200 annually for state-minimum liability.
$2,400–$5,200/year for liabilityEstimated range only. Not a quote.
Liability Insurance (State Minimum)
Louisiana requires minimum liability coverage of 15/30/25 (typically $15,000 per person/$30,000 per accident for bodily injury, $25,000 for property damage). This is the floor coverage you must carry with SR-22 filing. In Shreveport, violation drivers pay $200–$435/month for minimum liability with non-standard carriers.
$200–$435/month minimumEstimated range only. Not a quote.
Full Coverage (Comprehensive + Collision)
If you finance or lease a vehicle, lenders require comprehensive and collision coverage in addition to liability. Shreveport's flood zones and I-20 collision density drive comprehensive and collision premiums 30–50% higher for violation drivers than for clean-record drivers, often totaling $400–$650/month.
$400–$650/month with violationsEstimated range only. Not a quote.