Updated March 2026
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What Affects Rates in Shreveport
- I-20 and I-49 Corridor Accident Frequency: Shreveport sits at the intersection of I-20 and I-49, generating higher accident density than surrounding rural parishes. Drivers with existing at-fault accidents on their record face steeper rate increases here due to elevated carrier risk calculations tied to these high-traffic corridors.
- Louisiana Point System Severity: Louisiana assigns 2 points for most moving violations and 4 points for reckless driving, with a 12-point suspension threshold in 12 months. Drivers who accumulate 6–10 points see rate increases of 30–60% depending on carrier, and most points remain on your record for 3 years from the conviction date.
- High Uninsured Motorist Population: With 11.7% of Louisiana drivers uninsured—well above the national average—carriers price uninsured motorist coverage aggressively in Shreveport. Drivers with violations should expect uninsured/underinsured motorist premiums to rise 40–70% compared to clean-record rates.
- Caddo Parish Court and Ticket Frequency: Caddo Parish traffic courts process thousands of moving violations annually, and Louisiana does not offer point reduction for most standard defensive driving courses unless court-ordered. This means points stay on your record for the full 3-year period, prolonging rate increases unless you switch carriers.
- Severe Weather and Comprehensive Claims: Shreveport experiences frequent hail, wind, and flood events, which elevate comprehensive coverage costs. Drivers with violations who carry full coverage see compounded premiums—both collision rates rise due to points, and comprehensive rates rise due to local weather risk.