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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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Cheapest recent rates near Laredo, Texas
Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $58/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 April 25, 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 April 25, 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 April 25, 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 April 25, 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 $169 per month for car insurance, which is less than the state average of $184 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 $233 per month for full coverage and $106 per month for liability.
Rates in Laredo fall above the national average of $158, but Laredo is more affordable than many other Texas communities.
State Farm, GEICO, and Hugo 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
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.
Full Coverage
Liability Only
Best For
State Farm
4.5
$64
$38
Cheap rates
GEICO
4.2
$69
$42
Families
USAA
4.5
$114
$68
Military 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.
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.
4.5
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.
$36/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.
$59/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
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.
4.2
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.
$39/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.
$64/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
Everything was very good until I purchased a new car and my insurance premium skyrocketed!
Bradford - April 23, 2024
Verified
Average
The prices kept going up, which is not good for retirees.
George - April 23, 2024
Verified
We Trust Our Provider and Seek Comparison for Costs!
The reason we are checking rates is for comparison. Your survey lacks options that apply to us. If we have had no claims, how can we rate that? If there are no comparisons, how can we rate value or comment on costs? We are not dissatisfied with GEICO. We are just checking rates.
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.
4.5
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.
$63/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.
$105/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
Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.
Marvin - April 21, 2024
Verified
Excellent
So far, so good.
Robert - April 19, 2024
Verified
USAA is the finest. Period.
I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.
…
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 $106 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
36
GEICO
39
Hugo
49
Mile Auto
49
Allstate
50
USAA
63
Safeco
73
Nationwide
84
Mercury
86
Midvale Home & Auto
89
Progressive
89
Dairyland
96
Clearcover
97
Chubb
107
National General
111
Liberty Mutual
115
Elephant
117
Commonwealth Casualty
120
Direct Auto
122
21st Century
124
The General
135
GAINSCO
137
Bristol West
150
State Auto
161
AssuranceAmerica
167
Infinity
174
Foremost
198
Hallmark
209
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 $233 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
59
GEICO
64
Allstate
83
Mile Auto
97
USAA
105
Clearcover
129
Hugo
132
Mercury
137
Travelers
147
Nationwide
150
Progressive
158
Midvale Home & Auto
159
Safeco
159
Chubb
178
Elephant
190
21st Century
206
AssuranceAmerica
217
Liberty Mutual
235
Direct Auto
241
Dairyland
242
National General
245
Infinity
265
The General
273
Bristol West
283
State Auto
295
GAINSCO
297
Commonwealth Casualty
309
Foremost
399
Hallmark
415
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.
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
Minimum 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:
Collision coverage
If you cause an accident that damages your own car, collision insurance kicks in to cover the cost of your repairs.
Comprehensive coverage
If a non-collision event damages your car, such as severe weather, theft, or vandalism, comprehensive coverage kicks in.
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 $331 per month for full coverage and $151 for liability only. Here, you can see quotes from top insurers in the area.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
36
45
GEICO
39
50
Hugo
49
69
Mile Auto
49
70
Allstate
50
64
USAA
63
81
Safeco
73
102
Nationwide
84
109
Mercury
86
127
Progressive
89
119
Dairyland
96
127
Clearcover
97
134
Chubb
107
139
National General
111
143
Liberty Mutual
115
159
Elephant
117
151
Commonwealth Casualty
120
150
Direct Auto
122
161
21st Century
124
166
The General
135
180
GAINSCO
137
172
Bristol West
150
196
AssuranceAmerica
167
229
Infinity
174
230
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 $352 per month, and the average for liability-only coverage is $160.
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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
36
49
GEICO
39
54
Hugo
49
67
Mile Auto
49
75
Allstate
50
69
USAA
63
86
Safeco
73
109
Nationwide
84
116
Mercury
86
134
Progressive
89
127
Dairyland
96
134
Clearcover
97
157
Chubb
107
148
National General
111
155
Liberty Mutual
115
169
Elephant
117
162
Commonwealth Casualty
120
166
Direct Auto
122
173
21st Century
124
175
The General
135
191
GAINSCO
137
185
Bristol West
150
206
AssuranceAmerica
167
239
Infinity
174
229
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 $399 per month for full coverage and $181 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
36
59
GEICO
39
64
Hugo
49
74
Mile Auto
49
83
Allstate
50
82
USAA
63
103
Safeco
73
119
Nationwide
84
137
Mercury
86
144
Progressive
89
145
Dairyland
96
157
Clearcover
97
158
Chubb
107
174
National General
111
181
Liberty Mutual
115
187
Elephant
117
191
Commonwealth Casualty
120
176
Direct Auto
122
199
21st Century
124
202
The General
135
220
GAINSCO
137
223
Bristol West
150
245
AssuranceAmerica
167
272
Infinity
174
284
Foremost
198
323
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 $166 per month for full coverage and $76 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
26
42
GEICO
29
47
Mile Auto
35
69
Allstate
38
62
USAA
47
78
Safeco
58
127
Nationwide
59
105
Progressive
59
106
Mercury
65
104
Chubb
72
121
Dairyland
72
182
National General
84
185
Clearcover
85
113
Elephant
86
139
21st Century
87
144
Commonwealth Casualty
88
227
Direct Auto
88
173
Liberty Mutual
88
180
The General
103
208
GAINSCO
105
228
Bristol West
112
212
AssuranceAmerica
115
150
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 $397 per month for full coverage and $181 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
GEICO
60
99
State Farm
60
99
Allstate
86
143
Hugo
87
234
Mile Auto
93
184
USAA
102
170
Safeco
128
279
Nationwide
141
252
Dairyland
153
385
Mercury
155
247
Progressive
157
278
Clearcover
170
226
Elephant
190
308
Liberty Mutual
190
389
Chubb
194
323
21st Century
203
337
Commonwealth Casualty
206
531
National General
207
457
The General
212
428
Direct Auto
218
431
GAINSCO
241
522
Bristol West
244
461
Infinity
287
436
AssuranceAmerica
315
410
Foremost
347
699
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.
Find Car Insurance in Laredo, Texas
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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 $169 per month in Laredo. That’s a little more than the national average of $158 per month. But it’s cheaper than Texas’s overall average of $184 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.
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 $233 per month for full coverage and $106 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 $36. Other affordable insurers include GEICO and Hugo, with liability rates of $39 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 4.5, 4.2, and 4.5, 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.
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.
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.