Cheapest Auto Insurance in Laredo, Texas (2025)

State Farm offers the cheapest car insurance in Laredo, with minimum-coverage policies as low as $55 per month.

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Cheapest recent rates near Laredo, Texas

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $86/mo for full coverage in Laredo and other Texas cities.

*Quotes generated for Insurify users in and around Laredo, Texas within the last 10 days. Last updated on September 9, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 September 9, 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 September 9, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 September 9, 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 $166 per month for car insurance, which is less than the state average of $171 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 $209 per month for full coverage and $123 per month for liability.

  • Rates in Laredo fall above the national average of $143, but Laredo is more affordable than many other Texas communities.

  • State Farm, Mile Auto, 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$94$58Cheap rates
GEICO9.2$173$110Families
USAA9.1$167$103Military members
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
4.1
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.
9.3 /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.
$55/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.
$85/mo
4.1
Best choiceBased on 11,553 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 (6,143)
Thomas
Verified Review
State Farm is Number One
Reviewed in Florida on September 2025
They are quick, knowledgeable, and priced right!
Monica
Verified Review
Experience
Reviewed in Indiana on September 2025
Good premium, but high.
Rancita
Verified Review
Retiree rates are expensive even with minimal mileage
Reviewed in Delaware on September 2025
Fair. I had them for five years and rates are getting expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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
3.9
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.
9.2 /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.
$125/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.
$174/mo
3.9
A solid optionBased on 12,178 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 (6,484)
Leland
Verified Review
Good
Reviewed in Texas on September 2025
Good coverage.
Linda
Verified Review
I'm 76 years old & the lowest Car Insurance I have is GEICO
Reviewed in Florida on September 2025
I have been with them for almost 5 years. I have never had a DUI or a ticket, and I've been licensed since I was 21 years old! I'm paying $104.00 and $105.00. I only travel once a month and maybe go 30 miles!
Lawanda
Verified Review
Rate Frustration
Reviewed in North Carolina on September 2025
I switched from Progressive because my rate kept increasing, and now Geico is doing the same.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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.
9.1 /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.
$97/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.
$152/mo
4.9
Best choiceBased on 2,163 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 (1,217)
Roger
Verified Review
Good
Reviewed in Florida on September 2025
All good except for rate increases.
Edward
Verified Review
USAA is wonderful
Reviewed in California on September 2025
USAA is the best value for money in the insurance market. Their customer service is excellent.
Bob
Verified Review
Solid Insurance Company
Reviewed in Alabama on August 2025
I'm a 68-year customer. That should tell you everything.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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 $123 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: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
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State Farm$55
Mile Auto$67
Allstate$76
Mercury$92
Progressive$96
USAA$97
Dairyland$116
Root$116
The General$118
Bristol West$118
AssuranceAmerica$121
Nationwide$122
Commonwealth Casualty$125
GEICO$125
Safeco$125
Clearcover$129
Direct Auto$139
National General$139
GAINSCO$141
Elephant$149
Chubb$165
Foremost$189
21st Century$191
Liberty Mutual$246
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $209 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: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$85
Allstate$120
Mile Auto$137
Mercury$152
USAA$152
Progressive$169
GEICO$174
Nationwide$191
Safeco$202
Clearcover$210
Root$211
Direct Auto$233
The General$233
Elephant$234
Bristol West$245
National General$245
Chubb$258
AssuranceAmerica$262
GAINSCO$285
21st Century$298
Dairyland$316
Liberty Mutual$320
Commonwealth Casualty$330
Foremost$381
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $86/mo for full coverage in Laredo and other Texas cities.

*Quotes generated for Insurify users in and around Laredo, Texas within the last 10 days. Last updated on September 9, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 September 9, 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 September 9, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 September 9, 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 $250 per month for full coverage and $147 for liability only. Here, you can see quotes from top insurers in the area.

The below rates are estimated rates current as of: Monday, September 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$55$67
Mile Auto$67$78
Allstate$76$93
Mercury$92$123
Progressive$96$115
USAA$97$119
Dairyland$116$141
Root$116$148
The General$118$154
Bristol West$118$146
AssuranceAmerica$121$141
Nationwide$122$150
Commonwealth Casualty$125$146
GEICO$125$157
Safeco$125$157
Clearcover$129$164
Direct Auto$139$171
National General$139$170
GAINSCO$141$166
Elephant$149$174
Chubb$165$202
Foremost$189$231
21st Century$191$239
Liberty Mutual$246$301
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $267 per month, and the average for liability-only coverage is $157.

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: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$55$70
Mile Auto$67$87
Allstate$76$97
Mercury$92$131
Progressive$96$123
USAA$97$124
Dairyland$116$150
Root$116$145
The General$118$159
Bristol West$118$152
AssuranceAmerica$121$145
Nationwide$122$157
Commonwealth Casualty$125$162
GEICO$125$152
Safeco$125$169
Clearcover$129$185
Direct Auto$139$185
National General$139$179
GAINSCO$141$177
Elephant$149$191
Chubb$165$211
Foremost$189$244
21st Century$191$248
Liberty Mutual$246$317
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $336 per month for full coverage and $198 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: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$55$86
Mile Auto$67$105
Allstate$76$119
Mercury$92$140
Progressive$96$155
USAA$97$151
Dairyland$116$181
Root$116$181
The General$118$184
Bristol West$118$184
AssuranceAmerica$121$189
Nationwide$122$190
Commonwealth Casualty$125$195
GEICO$125$195
Safeco$125$207
Clearcover$129$201
Direct Auto$139$217
National General$139$217
GAINSCO$141$220
Elephant$149$233
Chubb$165$258
Foremost$189$295
21st Century$191$298
Liberty Mutual$246$384
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $177 per month for full coverage and $104 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: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$43$67
Mile Auto$53$107
Allstate$62$98
Mercury$76$125
USAA$79$124
Progressive$81$143
Nationwide$93$146
AssuranceAmerica$94$203
Dairyland$95$258
The General$97$192
Bristol West$97$201
Root$98$178
GEICO$99$138
Commonwealth Casualty$100$265
National General$109$191
Safeco$109$176
Direct Auto$111$187
Clearcover$113$184
GAINSCO$119$240
Chubb$124$194
Elephant$125$196
21st Century$149$233
Foremost$161$325
Liberty Mutual$205$267
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $410 per month for full coverage and $241 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: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$109$168
Mile Auto$142$290
Allstate$154$244
Mercury$178$293
USAA$185$289
Progressive$188$331
Dairyland$201$547
Root$210$382
The General$212$418
Bristol West$219$454
Clearcover$228$372
GEICO$233$324
Commonwealth Casualty$238$629
Nationwide$245$384
AssuranceAmerica$250$542
Safeco$257$416
Elephant$267$419
GAINSCO$275$555
Direct Auto$282$473
National General$292$515
Chubb$357$559
21st Century$361$563
Foremost$367$740
Liberty Mutual$451$587
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $166 per month in Laredo. That’s a little more than the national average of $143 per month. But it’s cheaper than Texas’s overall average of $171 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$108$223
Austin$134$219
Corpus Christi$134$214
Dallas$138$257
El Paso$105$198
Fort Worth$124$223
Galveston$134$212
Houston$177$292
Lubbock$112$219
San Antonio$129$229
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $209 per month for full coverage and $123 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 $55. Other affordable insurers include Mile Auto and Allstate, with liability rates of $67 and $76 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, 9.2, and 9.1, 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 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:

  • 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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