360 Insurance: Semon Agency
6130 Line Ave, Shreveport, LA 71106
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6130 Line Ave, Shreveport, LA 71106
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4540 Curtis Lane, Shreveport, LA 71109
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1001 E 70th St, Shreveport, LA 71106
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2105 Beverly Blvd, #111, Shreveport, LA 71103
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900 Pierremont Rd., Suite 200, Shreveport, LA 71106
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1810 E 70th St, # 100, Shreveport, LA 71105
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Learn about insurance coverage options specific to Shreveport residents.
Shreveport insurance guide covering auto, home, and flood coverage near the Red River. Get rates, requirements, and local agent tips for Caddo Parish residents.
Home InsuranceShreveport home insurance averages $2,731/year. Learn about tornado coverage, Red River flood risk, and insuring historic homes in northwest Louisiana.
Car InsuranceShreveport auto insurance averages $237/month. Learn Louisiana's 15/30/25 requirements, at-fault system, No Pay No Play law, and how to save on coverage.
Louisiana requires minimum liability coverage of 15/30/25, which means $15,000 per person for bodily injury, $30,000 total per accident for injuries, and $25,000 for property damage. However, most insurance experts recommend purchasing higher limits since medical costs and vehicle repairs often exceed these minimums, especially in serious accidents.
Homeowners insurance in Shreveport averages between $2,731 and $2,827 annually, which is lower than other Louisiana cities like New Orleans or Metairie. However, rates have increased significantly statewide, with Louisiana ranking 8th nationally for most expensive home insurance. Your actual cost depends on your home's age, value, location, and coverage limits.
If you live near the Red River or in low-lying areas of Shreveport, flood insurance is essential. Standard homeowners policies don't cover flood damage, and Caddo Parish has experienced significant flooding—the Red River reached its highest level in 70 years in 2015. Even if you're not in a high-risk zone, flood insurance costs $500-$2,000 annually and protects against the unexpected heavy rainfall that can flood any property.
Yes, several major insurers are reducing rates in 2026. Progressive is lowering premiums by 6.6% for over 270,000 Louisiana drivers starting January 16, and other insurers have filed reductions of 12-15%. This is good news for Shreveport residents who have seen insurance costs climb in recent years, potentially saving hundreds of dollars annually.
The most effective way to save is bundling your auto and home insurance, which typically provides a 10% discount—saving $469-$577 annually. Also ask about safe driver discounts, home security discounts, good student discounts, and higher deductibles. Shopping among Shreveport's local agencies is crucial, as rates vary significantly between carriers, especially with recent rate reductions taking effect in 2026.
Yes, homeowners insurance covers wind damage from hurricanes and tropical storms, which regularly affect Shreveport even though we're inland. However, it does not cover flooding caused by these storms. Since tropical systems bring both wind and heavy rain to northwest Louisiana—like Hurricane Beryl did in 2024—you need both homeowners insurance and separate flood insurance for complete protection.
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