Cheapest Auto Insurance in Laredo, Texas (2024)

State Farm offers the cheapest car insurance in Laredo, with minimum-coverage policies as low as $34 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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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Updated June 12, 2024

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Cheapest recent rates near Laredo, Texas

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $68/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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $165 per month for car insurance, which is less than the state average of $185 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 $227 per month for full coverage and $104 per month for liability.

  • Rates in Laredo fall above the national average of $160, 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$63$38Cheap rates
GEICO4.4$69$41Families
USAA4.7$113$68Military 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$34/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.
$57/mo

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

Read our State Farm review
Ray - June 11, 2024
Verified

Took months to get an adjuster for my water leak in the house

Find someone else.

George - June 11, 2024
Verified

Thinking about Switching

Shop around, the prices could be better.

Lawrence - June 11, 2024
Verified

Feels Like Someone's Watching Me, I'm Not Switching

Where did you get the idea that I was switching? That's untrue. I'm in good standing with my current insurance company.

Best insurer for families: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$62/mo

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

Read our GEICO review
Jacqueline - June 11, 2024
Verified

Horrible

I am very upset that my policy increased from 242 to 329. I am 62 years old and I believe I should not be paying that much for a car that will be paid off next month.

Frank - June 11, 2024
Verified

Geico is My Winner

So far, Geico has offered the best price for insurance.

Addis - June 11, 2024
Verified

High Premium

High premium.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$61/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.
$101/mo

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

Read our USAA review
Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Margaret - June 8, 2024
Verified

Very Happy Customer

My experience has been very good, so I would definitely recommend this company to anyone who qualifies for coverage.

Larry - June 8, 2024
Verified

Fantastic

It's great and cheaper than any other insurance companies.

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 $104 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm34
GEICO37
Allstate48
Mile Auto48
Hugo50
USAA61
Safeco72
Nationwide77
Mercury80
Midvale Home & Auto87
Progressive87
Dairyland93
Clearcover99
Chubb103
National General108
Liberty Mutual112
Elephant114
Direct Auto118
21st Century120
Commonwealth Casualty120
The General127
GAINSCO137
Bristol West142
State Auto159
AssuranceAmerica160
Infinity170
Hallmark189
Foremost194
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 $227 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm57
GEICO62
Allstate80
Mile Auto100
USAA101
Clearcover127
Hugo128
Mercury128
Nationwide145
Safeco152
Progressive153
Midvale Home & Auto156
Chubb172
Elephant191
21st Century199
AssuranceAmerica212
Liberty Mutual235
Direct Auto238
National General238
Dairyland240
Infinity266
The General266
Bristol West283
State Auto288
GAINSCO300
Commonwealth Casualty314
Foremost398
Hallmark411
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.

Recent Insurify quotes for Laredo, Texas drivers

Drivers in and around Laredo, Texas have found policies from State Farm, Direct Auto, Lone Star, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Laredo, Texas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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]

CoverageMinimum Requirements
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 $325 per month for full coverage and $149 for liability only. Here, you can see quotes from top insurers in the area.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm3444
GEICO3748
Allstate4862
Mile Auto4867
Hugo5069
USAA6179
Safeco7295
Nationwide77101
Mercury80111
Midvale Home & Auto87117
Progressive87113
Dairyland93121
Clearcover99130
Chubb103136
National General108137
Liberty Mutual112160
Elephant114163
Direct Auto118154
21st Century120160
Commonwealth Casualty120172
The General127167
GAINSCO137196
Bristol West142183
State Auto159224
AssuranceAmerica160212
Infinity170230
Hallmark189246
Foremost194278
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 $348 per month, and the average for liability-only coverage is $159.

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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm3447
GEICO3751
Allstate4866
Mile Auto4872
Hugo5067
USAA6184
Safeco7297
Nationwide77108
Mercury80118
Midvale Home & Auto87127
Progressive87122
Dairyland93129
Clearcover99146
Chubb103143
National General108149
Liberty Mutual112169
Elephant114155
Direct Auto118167
21st Century120170
Commonwealth Casualty120164
The General127179
GAINSCO137184
Bristol West142194
State Auto159242
AssuranceAmerica160222
Infinity170232
Hallmark189254
Foremost194293
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 $393 per month for full coverage and $180 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm3458
GEICO3763
Allstate4882
Mile Auto4875
Hugo5085
USAA61104
Safeco72123
Nationwide77132
Mercury80124
Midvale Home & Auto87149
Progressive87149
Dairyland93159
Clearcover99169
Chubb103176
National General108185
Liberty Mutual112191
Elephant114195
Direct Auto118202
21st Century120205
Commonwealth Casualty120205
The General127217
GAINSCO137234
Bristol West142243
State Auto159272
AssuranceAmerica160274
Infinity170291
Hallmark189323
Foremost194332
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 $164 per month for full coverage and $75 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm2541
GEICO2846
Hugo3385
Mile Auto3471
Allstate3660
USAA4575
Nationwide54101
Safeco55115
Mercury5690
Progressive58102
Midvale Home & Auto62111
Chubb70118
Dairyland70180
Clearcover7495
National General81178
Liberty Mutual83175
21st Century84139
Elephant84141
Direct Auto85172
Commonwealth Casualty89233
The General97204
GAINSCO105231
Bristol West106212
AssuranceAmerica113150
State Auto114207
Infinity120187
Hallmark134292
Foremost141290
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 $392 per month for full coverage and $180 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm5694
GEICO5795
Allstate82137
Hugo85219
Mile Auto91190
USAA99164
Nationwide129242
Mercury143228
Safeco147311
Midvale Home & Auto148265
Dairyland152393
Progressive154271
Elephant184308
Chubb186311
Clearcover189242
21st Century196325
National General199440
The General201421
Liberty Mutual204427
Commonwealth Casualty208545
Direct Auto211425
Bristol West237472
GAINSCO240525
State Auto276500
AssuranceAmerica291386
Infinity305477
Hallmark328714
Foremost337691
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 $165 per month in Laredo. That’s a little more than the national average of $160 per month. But it’s cheaper than Texas’s overall average of $185 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.

CityLiability OnlyFull Coverage
Amarillo$104$250
Austin$128$240
Corpus Christi$122$231
Dallas$137$284
El Paso$93$219
Fort Worth$123$245
Galveston$123$248
Houston$170$320
Lubbock$106$240
San Antonio$125$246
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 $227 per month for full coverage and $104 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 $34. Other affordable insurers include GEICO and Allstate, with liability rates of $37 and $48 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 4.6, 4.4, and 4.7, 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.

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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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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