120+ more*Quotes generated for Insurify users in and around Laredo, Texas within the last 10 days. Last updated on March 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Laredo, Texas within the last 10 days. Last updated on March 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Featured in
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
The average cost of car insurance in Laredo is $119 per month for liability coverage and $208 for full coverage. Rates in Laredo are slightly lower than average costs in the larger metro area of San Antonio, where car insurance averages $128 per month for liability coverage and $218 for full coverage.
Laredo car insurance is also more affordable than in a smaller city like McAllen, which has average car insurance costs of $137 per month for liability coverage and $217 for full coverage.
Drivers in Laredo may see lower car insurance premiums than in other Texas cities because of the city’s lower population, which can reduce traffic congestion and the likelihood of a car accident.
State Farm has the cheapest car insurance in Laredo, with an average monthly liability insurance rate of $57. Auto insurance costs in Laredo are similar to average rates in Texas, where drivers pay $117 per month for liability coverage and $208 for full coverage.
Texas has minimum liability insurance requirements for all drivers, which include bodily injury liability and property damage liability. All Texas auto insurance policies also include personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage, though you can decline both coverages by notifying your insurance company in writing.[1]
Drivers in Laredo might consider full coverage due to the city’s proximity to the Rio Grande and the minor flood risks that it poses. The city also has a severe wind risk, according to First Street, with potential for damaged property, downed trees, and scattered debris.[2]
A full-coverage policy includes comprehensive coverage, which would help cover non-collision events such as floods, theft, and fires. You may also want to consider a gap insurance policy to protect your vehicle if you have a loan or lease. The best car insurance company for you will offer the right insurance for your coverage needs.
Below, you can see the cheapest car insurance in Laredo for liability-only and full-coverage policies.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $57 | $100 |
| Mile Auto | $73 | $154 |
| Progressive | $79 | $135 |
| Allstate | $80 | $140 |
| GEICO | $94 | $178 |
| USAA | $102 | $178 |
| Mercury | $111 | $169 |
| Dairyland | $120 | $341 |
| Root | $120 | $206 |
| The General | $121 | $237 |
| Commonwealth Casualty | $121 | $285 |
| Bristol West | $123 | $247 |
| GAINSCO | $126 | $254 |
| Nationwide | $127 | $223 |
| AssuranceAmerica | $132 | $273 |
| Clearcover | $133 | $218 |
| Sun Coast | $136 | $259 |
| Safeco | $140 | $212 |
| Direct Auto | $144 | $221 |
| National General | $144 | $247 |
| Elephant | $148 | $234 |
| Chubb | $173 | $302 |
| 21st Century | $200 | $349 |
| Liberty Mutual | $260 | $336 |
The state of Texas is vast, with diverse geographic areas and risk factors that influence car insurance rates across cities. Abilene has the lowest car insurance rates in the state, with overall average costs of $133 per month. Houston has the most expensive overall premiums, with an average monthly cost of $220.
Laredo car insurance rates are somewhere in the middle, with average costs of $164 per month. These rates fall in line with average populations, as Laredo has nearly double the population of Abilene, but a much smaller population than Houston.[3] Auto theft rates in Laredo are declining, which can help lower average insurance rates.
That said, the city’s proximity to the Mexican border can still affect traffic patterns and congestion. Interstate Highway 35 runs through Laredo and connects directly to the border with Mexico. Even so, Laredo residents may still get more affordable car insurance coverage than residents in Austin or Corpus Christi.
Here you can see how overall average car insurance rates vary by city in Texas.
City | Average Monthly Quote |
|---|---|
| Abilene | $133 |
| Amarillo | $155 |
| Arlington | $171 |
| Austin | $169 |
| Beaumont | $174 |
| Brownsville | $161 |
| Corpus Christi | $167 |
| Dallas | $187 |
| Denton | $157 |
| El Paso | $147 |
| Fort Worth | $165 |
| Galveston | $163 |
| Garland | $183 |
| Grand Prairie | $177 |
| Houston | $220 |
| Huntsville | $150 |
| Irving | $175 |
| Killeen | $150 |
| Laredo | $164 |
| Lubbock | $157 |
| McAllen | $177 |
| Mesquite | $189 |
| Midland | $155 |
| Odessa | $166 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $164 |
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While getting the most affordable car insurance in Laredo is a priority, so is safe driving. Keeping a clean driving record can help you qualify for low rates. When driving in Laredo, keep in mind the following:
Uninsured drivers: Even if you drive safely, an uninsured driver could hit your vehicle. About 12% of vehicles registered in Texas don’t match with an insurance policy, according to the Texas Department of Insurance.[4] Laredo may have even more uninsured drivers. It’s a smart idea to keep the UM/UIM coverage that your insurance company must offer you.
Parking difficulty: If you’re visiting downtown Laredo, finding parking may be challenging. Various parking lots in Laredo are available for a fee. Do your research to find a spot and avoid a parking ticket. Where you park your vehicle on a daily basis can also affect your premiums, depending on the area’s risk factors.
Dangerous traffic conditions: The city of Laredo has some dangerous roads, including Loop 20, Mines Road, and Saunders Street.[5] The city also sees a spike in traffic during spring break. Use caution when driving on these roads and avoid distractions. You can also use statewide maps to see where fatal crashes are happening in Laredo.[6]
The most important actions you can take are to drive safely, be aware of your surroundings and other drivers, and avoid distractions. Get the right coverage to stay protected. You can get cheap liability-only or full-coverage car insurance in Laredo by researching options and getting free quotes.
Car insurance quotes in Laredo can differ based on your driving record. A clean driving record typically results in the lowest rates, while an incident can increase them. In Laredo, 2.20% of drivers have a ticket on their record, while 2.83% have an accident, according to Insurify data.
A first-time offense for driving while intoxicated (DWI) in Texas includes fines of up to $2,000, up to 180 days in jail, and losing your driver’s license for up to one year.[7]
Below, you can compare average monthly quotes by driving record in Laredo.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $164 |
| Speeding ticket | $204 |
| At-fault accident | $215 |
| DUI | $225 |
Liability-only quotes start at $57/mo.
More than 30% of residents in Laredo are younger than 18, while 10% are 65 and older, according to U.S. Census data.
Driver age is one of the primary factors influencing rates because it often correlates with driving skill and experience. As a result, teen drivers typically pay more for car insurance in Laredo, due to a higher risk of an accident.
To increase teen driver safety, Texas has a Graduated Driver License program, which starts with a Learner License and progresses to a Provisional License, each with certain restrictions.[8]
As older drivers have more experience behind the wheel, rates tend to decrease with age. Senior drivers in their 60s typically pay the least for auto insurance.
Below, you can see how car insurance rates change in Laredo based on age group.
Age | Average Monthly Quote |
|---|---|
| Teens | $235 |
| 20s | $159 |
| 30s | $128 |
| 40s | $121 |
| 50s | $110 |
| 60s | $101 |
| 70+ | $105 |
*Quotes generated for Insurify users in and around Laredo, Texas within the last 10 days. Last updated on March 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Laredo, Texas within the last 10 days. Last updated on March 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you’re looking for affordable car insurance in Laredo, you can find answers to frequently asked questions below.
The average cost of car insurance in Laredo, Texas, is $164 per month, according to Insurify data. Auto insurance costs in Laredo can vary based on driving history, deductible, location, credit history, and other factors.
State Farm has the cheapest car insurance in Laredo, with an average liability-only rate of $57 per month. You can find other cheap liability car insurance policies in Laredo by shopping around and getting free quotes.
Car insurance rates in Laredo can be higher than in some other cities in Texas, largely due to traffic congestion along U.S. Highway 83 and Interstate 35. Additionally, its proximity to the U.S-Mexico border brings a lot of commercial traffic that can increase the chances of an accident.
Drivers in Laredo must meet the minimum Texas car insurance requirements. That includes $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 in property damage liability. Insurers must also offer PIP and UM/UIM coverage, but it’s possible to decline these in writing.
You can get cheap Laredo car insurance and lower costs by raising your deductible, bundling insurance products like auto and homeowners insurance, and searching for discounts. You should always compare various options and get free quotes.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Featured in
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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