Updated April 2026
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What Affects Rates in Shreveport
- I-20 and I-49 Accident Density: Shreveport sits at the intersection of I-20 and I-49, with elevated crash rates at these corridors increasing risk exposure for high-risk drivers. Carriers price DUI and violation policies higher in zip codes near these interchanges due to claims history.
- Louisiana Uninsured Driver Rate: Louisiana consistently reports uninsured motorist rates above 13%, meaning high-risk drivers in Shreveport face higher uninsured motorist coverage costs. Carriers account for this when pricing SR-22 policies.
- Caddo Parish Court SR-22 Volume: Caddo Parish processes a significant volume of DUI and suspension cases annually, creating a substantial high-risk driver pool. This concentration of SR-22 filings keeps non-standard carrier competition active in Shreveport.
- Urban Density and Violation Enforcement: Shreveport's urban core sees higher traffic enforcement compared to surrounding Caddo Parish areas, leading to more moving violations and license suspensions. High-risk premiums reflect this elevated citation density.
- Flood Risk and Comprehensive Claims: Shreveport's proximity to the Red River and Cross Lake creates flood exposure, raising comprehensive coverage costs for high-risk drivers who need full coverage to satisfy SR-22 requirements. Carriers price flood risk into total premium calculations.