Compare average insurance rates in Shreveport for 2026
🏠
Home
$3066
/year
🚗
Auto
$2142
/year
🏥
Health
$566
/month
💰
Life
$26
/month
🏢
Renters
$20
/month
Home Insurance in Shreveport, LA
The average cost of homeowners insurance in Shreveport, Louisiana is $3,066 per year in 2026. This compares to the state average of $3,650 per year.
$3,066per year (avg in Shreveport)
$2016LA avg: $3,650$4620
Factors Affecting Home Insurance in Shreveport
🏠
Home Value Average: $200,000
🌪
Weather Risk high
🌊
Flood Zone 30% of properties
📈
Cost Index 0.84 (100 = national avg)
⚠️
Hurricane Zone: Shreveport is located in a hurricane-prone area. Home insurance premiums may include wind and storm surcharges. Coastal surcharges may apply to properties near the shoreline.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$160,000
$80,000
$100,000
$2,299
Standard (HO-3)
$200,000
$100,000
$300,000
$3,066
Premium (HO-5)
$250,000
$150,000
$500,000
$4,139
Auto Insurance in Shreveport, LA
The average annual cost of auto insurance in Shreveport is $2,142, compared to the Louisiana state average of $2,550.
$2,142per year (avg in Shreveport)
$1344LA avg: $2,550$3024
📋
Minimum Coverage in Louisiana: 15/30/25
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$1,178
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,142
Premium
250/500/250
$250 deductible
$250 deductible
$2,784
Health Insurance in Shreveport, LA
The average monthly health insurance premium in Shreveport is $566 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$566per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$407
$7,000
$9,100
Healthy, low usage
Silver
$566
$4,500
$9,100
Moderate usage
Gold
$707
$1,650
$8,700
Regular medical needs
Platinum
$849
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Shreveport
💰 Life Insurance
$26
per month (20-year term, $500K)
Life insurance rates in Louisiana are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $26/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$20
per month (avg in Shreveport)
Renters insurance in Shreveport covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Shreveport
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Shreveport, LA is $3,066 per year for a standard HO-3 policy. Rates range from $2,016 to $4,620 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Shreveport is $2,142 per year for full coverage. Liability-only coverage averages around $964 per year. Louisiana requires minimum coverage of 15/30/25.
Insurance costs in Shreveport are below the national average (cost index: 0.84). Home insurance averages $3,066/yr and auto insurance $2,142/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.84), hurricane exposure, significant flood zones (30% of homes), average home values ($200,000), your personal claims history, credit score, and at-fault insurance laws in Louisiana.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Shreveport residents can potentially save $1,042+ per year.
Louisiana requires minimum auto liability coverage of 15/30/25 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
Compare Insurance Quotes in Shreveport
Get personalized quotes from top insurers in Louisiana. Compare rates in minutes.