Cheapest Auto Insurance in Laredo, Texas (2025)

State Farm offers the cheapest car insurance in Laredo, with minimum-coverage policies as low as $35 per month.

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Cheapest recent rates near Laredo, Texas

Recent Laredo, Texas car insurance prices for Nissan, KIA, Audi , and more.

*Quotes generated for Insurify users in and around Laredo, Texas within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. 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 May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Sarah Sharkey
Written bySarah Sharkey
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Parked on the eastern banks of the Rio Grande, Laredo sits on the border between the United States and Mexico. In fact, the city’s seal proclaims itself to be the “Gateway to Mexico.” With around 256,000 residents, it’s the state’s 11th-largest city.[1]

Laredo drivers pay an average of $158 per month for car insurance, which is less than the state average of $176 per month.

If you’re looking for car insurance in Laredo, here’s what you need to know to compare quotes and find the best policy for you.

Quick Facts
  • On average, auto insurance in Laredo costs $206 per month for full coverage and $110 per month for liability.

  • Rates in Laredo fall above the national average of $150, but Laredo is more affordable than many other Texas communities.

  • State Farm, GEICO, and Allstate offer the cheapest car insurance in Laredo.

3 of the cheapest car insurance companies in Laredo

Every car insurance company uses a slightly different method to determine auto insurance rates. Some of the key factors considered include your age, driving record, ZIP code, and vehicle type. As a driver, this means that you can easily find different insurance rates across multiple companies based on what the insurer considers and how heavily they weigh each category.

The most efficient way to find the lowest rates is to shop around by comparing rates. Below, you’ll find out more about some of the best car insurance companies in Laredo to jump-start your search. The rates in this table are for Texas overall.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
State Farm9.3$74$41Cheap rates
GEICO9.0$81$44Families
USAA9.4$133$73Military members
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$35/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo
4.2
Best choiceBased on 10,954 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,948)

Sabrina

May 7, 2025

Verified Review

Friendly company

They are very responsible and have a friendly demeanor.

Merrill

May 7, 2025

Verified Review

Good experience overall

Easy to deal with but a little bit pricey. Saved money at first, but increases put the numbers up.

Pamela

May 7, 2025

Verified Review

Feel I'm being taken

I like my agent. I don't like paying for other people's mistakes. I feel as a senior I'm paying too much. No DUIs or accidents, and I'm still paying over $100 a month. I could go on...
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm offers some of the cheapest car insurance rates in Laredo. The company has been in business for more than 100 years thanks, in part, to a solid reputation for helpful customer support. Customers can find a wide range of coverage options for auto insurance, and the company also offers life, pet, homeowners insurance, and more.

Pros
  • Above-average J.D. Power customer satisfaction rating in Texas

  • Affordable rates

Cons
  • Gap insurance not available

  • Not the cheapest option for drivers with poor credit

Best insurer for families: GEICO

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$72/mo
4.1
Best choiceBased on 11,760 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,367)

Howard

May 7, 2025

Verified Review

Looking for better premiums

It seems expensive, especially when I bundle my motorcycle too.

Lisa

May 7, 2025

Verified Review

Look elsewhere

Expensive. My bill keeps going up.

Chester

May 7, 2025

Verified Review

The best price in an overpriced industry

Best price I could find by hundreds, but not cheap.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO is instantly recognizable in the car insurance industry. But this insurance company has more to offer than a cute gecko. As a driver, you’ll find access to affordable rates through GEICO. Families looking for savings will appreciate the rates available for good drivers and young drivers.

Pros
  • Family-focused discounts for young drivers and people with good driving records

  • Accident forgiveness available

Cons
  • Below-average J.D. Power customer satisfaction rating in Texas

  • Doesn’t offer rideshare coverage

Best insurer for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$117/mo
4.9
Best choiceBased on 2,029 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,164)

William

May 7, 2025

Verified Review

High monthly rate for good driving records.

The monthly rate is way too high for someone with my very good driving record. Insurance rates should not be allowed to be based on credit ratings.

Lina

May 6, 2025

Verified Review

Good Old USAA

Great and cheaper than others!

Frank

May 6, 2025

Verified Review

USAA is a Great Insurer

USAA has always been a great insurer. Currently, I feel their cost is on the high side, so I thought I'd view the competition.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA offers a wide range of financial products, including home insurance and auto insurance, to qualifying members. The company works with military members, veterans, and their families. USAA also boasts high customer satisfaction ratings and an A++ (Superior) financial strength rating from AM Best.

Pros
  • Variety of discounts

  • SafePilot program can lower auto insurance costs by up to 30%

Cons
  • No 24/7 customer service

  • Only available to military members and their families

How to get the cheapest car insurance in Laredo

Car insurance is a legal requirement in Texas, and while you can’t skip the expense, you can find ways to lower your costs. Here are a few ways to lower your rates:

  • Shop around. Every insurance company offers slightly different rates. Shopping around and comparing quotes can help you lock in the best policy for you at the most affordable rate.

  • Look for discounts. Many insurance companies provide discount opportunities. You can get discounts for bundling, in-vehicle safety features, and good driving. You can also check with your employer or any other organization you belong to and see if they have any discounts with certain insurers.

  • Increase your deductible. You can usually tap into lower rates by raising your insurance deductible. If you have the money to cover a claim, this choice can lead to savings.

Cheapest liability-only car insurance in Laredo: State Farm

Liability car insurance can help you pay for the damage and injuries suffered by others in an accident you cause. While this type of car insurance is usually the cheapest option, it doesn’t offer any protection to cover your repair costs. Liability-only policies in Laredo cost $110 per month, on average.

Here, you can see some of the cheapest car insurance options for liability coverage in Laredo.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
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State Farm$35
GEICO$37
Allstate$49
Mile Auto$52
USAA$62
Nationwide$78
Mercury$82
Progressive$90
Root$91
Dairyland$100
Chubb$106
Safeco$107
Direct Auto$116
The General$116
National General$116
Clearcover$117
AssuranceAmerica$118
Bristol West$119
Commonwealth Casualty$121
21st Century$122
Elephant$133
GAINSCO$151
Foremost$198
Liberty Mutual$213
State Auto$233
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Laredo: State Farm

Full-coverage car insurance provides the same protections as liability insurance, and it includes collision and comprehensive coverages. If your vehicle is damaged in an accident or another event, this type of coverage can help pay for the repairs you need to get back on the road.

Many auto lenders require borrowers to carry this coverage before they grant a loan. However, even drivers without an auto loan might benefit from carrying this enhanced protection. Drivers in Laredo pay an average of $206 per month for full-coverage insurance.

Here, you can see a collection of full-coverage quotes in Laredo.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$66
GEICO$72
Allstate$93
Mile Auto$107
USAA$117
Mercury$146
Nationwide$147
Progressive$156
Root$174
Safeco$175
Clearcover$193
Chubb$200
Direct Auto$218
Elephant$222
National General$229
21st Century$231
The General$238
Bristol West$247
AssuranceAmerica$258
Dairyland$264
Liberty Mutual$298
GAINSCO$323
Commonwealth Casualty$337
Foremost$431
State Auto$442
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Laredo, Texas

Recent Laredo, Texas car insurance prices for Ford, KIA, Toyota , and more.

*Quotes generated for Insurify users in and around Laredo, Texas within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. 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 May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Texas

Texas drivers must carry a minimum amount of insurance to drive legally on public roadways. Below is a breakdown of the minimum coverage requirements:[2]

Coverage
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Minimum Requirements
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Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000

Texas also requires insurers to include personal injury protection (PIP) with every policy, but drivers can opt out of this coverage by writing to their insurer. While the figures listed above comprise the minimum coverage requirements you must meet, you may also look to acquire coverage that goes beyond the minimum. If that sounds appealing to you, you may want to consider the following coverage options:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you cause an accident that damages your own car, collision insurance kicks in to cover the cost of your repairs.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision event damages your car, such as severe weather, theft, or vandalism, comprehensive coverage kicks in.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If you get in an accident with a driver who doesn’t have enough car insurance or any car insurance, this coverage will pay for the cost of your repairs and medical bills.

Cheapest car insurance for drivers with an incident

If you make a mistake on the road, you could end up with a traffic violation on your record. Some of the most serious driving incidents include speeding tickets, at-fault accidents, and driving under the influence. Insurers view these incidents as an indication you’re more likely to engage in future risky behavior, and they’ll often raise your rates to protect against your increased likelihood of filing a claim.

In the sections that follow, you’ll see how each incident type can affect your rates in Laredo.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

A speeding ticket usually comes with a fine. But after you pay the fine, you might also face higher car insurance costs. The good news is that the increase might not be significant and your rates should lower again once the ticket leaves your record.

The average rate with a speeding ticket in Laredo is $278 per month for full coverage and $148 for liability only. Here, you can see quotes from top insurers in the area.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$35$44
Allstate$49$63
Mile Auto$52$65
USAA$62$79
Nationwide$78$101
Mercury$82$113
Progressive$90$116
Root$91$127
Dairyland$100$128
Chubb$106$136
Safeco$107$141
Direct Auto$116$149
The General$116$155
National General$116$148
Clearcover$117$153
AssuranceAmerica$118$148
Bristol West$119$154
Commonwealth Casualty$121$164
21st Century$122$160
Elephant$133$168
GAINSCO$151$205
Foremost$198$269
Liberty Mutual$213$289
State Auto$233$302
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Insurance companies tend to associate at-fault accidents with riskier behavior. This all translates into higher car insurance premiums. The average rate in Laredo for full-coverage insurance with an at-fault accident on your record is $287 per month, and the average for liability-only coverage is $153.

Here’s a look at some of the cheapest car insurance companies in Laredo for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$35$46
Allstate$49$65
Mile Auto$52$70
USAA$62$82
Nationwide$78$104
Mercury$82$119
Progressive$90$123
Root$91$131
Dairyland$100$132
Chubb$106$141
Safeco$107$149
Direct Auto$116$158
The General$116$159
National General$116$152
Clearcover$117$173
AssuranceAmerica$118$151
Bristol West$119$159
Commonwealth Casualty$121$160
21st Century$122$165
Elephant$133$176
GAINSCO$151$194
Foremost$198$278
Liberty Mutual$213$299
State Auto$233$314
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Insurers see DUIs as a very serious moving violation, and if you have a DUI on your record, you can expect your rates to rise dramatically. Some insurers may drop your coverage altogether, and if you aren’t dropped, you may pay $328 per month for full coverage and $175 for liability only, on average.

Here’s a look at the most affordable rates in Laredo for drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$35$56
Allstate$49$78
Mile Auto$52$83
USAA$62$99
Nationwide$78$125
Mercury$82$127
Progressive$90$144
Root$91$134
Dairyland$100$160
Chubb$106$170
Safeco$107$168
Direct Auto$116$186
The General$116$186
National General$116$186
Clearcover$117$187
AssuranceAmerica$118$189
Bristol West$119$191
Commonwealth Casualty$121$194
21st Century$122$195
Elephant$133$213
GAINSCO$151$242
Foremost$198$317
Liberty Mutual$213$341
State Auto$233$373
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Many insurance companies take your age into account when determining rates. In general, drivers enjoy gradually lower rates starting between the ages of 25 and 35. But after decades of lower rates, drivers hitting age 70 tend to face higher insurance costs. The average monthly rate for seniors is $163 per month for full coverage and $87 for liability only in Laredo

These higher rates are due, in part, to the reduced faculties of older drivers as well as the increased likelihood of costly medical bills should a senior be involved in an accident.

Below is a closer look at the average monthly quotes for senior drivers in Laredo.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$26$50
Mile Auto$38$79
Allstate$38$73
USAA$48$91
Nationwide$57$107
Progressive$63$108
Mercury$65$115
Chubb$76$143
Root$76$145
Dairyland$78$207
National General$86$170
Direct Auto$87$164
AssuranceAmerica$89$194
Safeco$90$147
21st Century$90$170
The General$91$186
Bristol West$94$194
Commonwealth Casualty$94$261
Clearcover$99$163
Elephant$102$171
GAINSCO$122$261
Foremost$156$340
Liberty Mutual$172$241
State Auto$173$328
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers have the least experience on the road and are more likely to engage in risky behavior, like driving at night, distracted driving, and speeding. Not surprisingly, then, young drivers face some of the highest car insurance costs on the market. Teens in Laredo pay average rates of $398 per month for full coverage and $212 for liability only.

The good news is you can make sure you don’t overpay by shopping around for better rates, keeping teen drivers on their parents’ policy, choosing a higher deductible, and maintaining good grades.

Here, you can see the average quotes available for teens in Laredo.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$66$125
Allstate$97$183
Mile Auto$109$224
USAA$114$216
Root$149$286
Nationwide$151$285
Mercury$156$279
Dairyland$170$450
Progressive$170$295
The General$199$409
Bristol West$217$451
Safeco$223$365
Commonwealth Casualty$224$625
Chubb$225$424
21st Century$228$431
Clearcover$231$381
AssuranceAmerica$231$505
Direct Auto$232$435
Elephant$238$398
National General$240$474
GAINSCO$284$608
Foremost$380$828
Liberty Mutual$390$545
State Auto$560$1,062
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Laredo car insurance quotes by credit tier

Texas, like most other states, allows insurers to look at your credit history when determining premiums. In Laredo, drivers with poor credit tend to pay more for car insurance than drivers with excellent or good credit.

If you want to improve your credit score, paying your bills on time and paying down high-interest debt can improve it.

Here, you can see how your credit affects the rates you might get in Laredo.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Laredo?

The average cost of a car insurance policy is $158 per month in Laredo. That’s a little more than the national average of $150 per month. But it’s cheaper than Texas’s overall average of $176 per month.

In general, cities with less traffic congestion and a lower population density see better rates than those with higher crime rates and more traffic.

More cities in Texas

Texas is a big state, and rates fluctuate across different areas. Below, you can see how the average quotes in other cities in Texas compare to Laredo.

City
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Amarillo$106$235
Austin$132$231
Corpus Christi$131$230
Dallas$132$267
El Paso$99$200
Fort Worth$120$232
Galveston$129$226
Houston$172$311
Lubbock$108$218
San Antonio$125$233
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Laredo car insurance FAQs

Laredo’s car insurance rates are already very affordable, but you may be able to reduce the rates you pay even more with the information presented below.

  • How much is car insurance in Laredo, Texas?

    The average cost of car insurance is $206 per month for full coverage and $110 for liability coverage in Laredo. But your specific rates may differ based on your age, ZIP code, and driving history, among other things.

  • Which companies have the cheapest car insurance in Laredo?

    State Farm has the cheapest car insurance in Laredo, with a monthly liability-only rate of $35. Other affordable insurers include GEICO and Allstate, with liability rates of $37 and $49 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.

  • What are the best car insurance companies in Laredo?

    State Farm, GEICO, and USAA rank as three of the top insurance companies in Laredo. All three have Insurify Quality Scores of 9.3, 9.0, and 9.4, respectively. In addition, these insurers are among the area leaders for low rates, and each has been recognized for its customer service and financial stability.

  • What factors affect the cost of car insurance in Laredo?

    Many things affect the rate you pay for car insurance, including your age, credit, marital status, driving history, and the vehicle you drive. Geography plays a role as well, and if you live in an area where accidents are more common or with a higher risk of crime, you’re apt to pay more for your car insurance.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Sources

  1. World Population Review. "Texas Cities by Population."
  2. Texas Department of Insurance. "Automobile Insurance Guide."
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Sarah has been a contributor at Insurify since September 2022.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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