Cheapest Auto Insurance in Laredo, Texas (2024)
State Farm offers the cheapest car insurance in Laredo, with minimum-coverage policies as low as $33 per month.
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Updated November 21, 2024
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Table of contents
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 $161 per month for car insurance, which is less than the state average of $181 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 $216 per month for full coverage and $105 per month for liability.
Rates in Laredo fall above the national average of $154, but Laredo is more affordable than many other Texas communities.
State Farm, GEICO, and Allstate offer the cheapest car insurance in Laredo.
3 of the cheapest car insurance companies in Laredo
Every car insurance company uses a slightly different method to determine auto insurance rates. Some of the key factors considered include your age, driving record, ZIP code, and vehicle type. As a driver, this means that you can easily find different insurance rates across multiple companies based on what the insurer considers and how heavily they weigh each category.
The most efficient way to find the lowest rates is to shop around by comparing rates. Below, you’ll find out more about some of the best car insurance companies in Laredo to jump-start your search. The rates in this table are for Texas overall.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $69 | $37 | Cheap rates |
| GEICO | 9.0 | $75 | $40 | Families |
| USAA | 9.4 | $123 | $66 | 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 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 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $33/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. | $61/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers some of the cheapest car insurance rates in Laredo. The company has been in business for more than 100 years thanks, in part, to a solid reputation for helpful customer support. Customers can find a wide range of coverage options for auto insurance, and the company also offers life, pet, homeowners insurance, and more.
Pros
Above-average J.D. Power customer satisfaction rating in Texas
Affordable rates
Cons
Gap insurance not available
Not the cheapest option for drivers with poor credit
Best insurer for families: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | 9.0 /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. | $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. | $67/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is instantly recognizable in the car insurance industry. But this insurance company has more to offer than a cute gecko. As a driver, you’ll find access to affordable rates through GEICO. Families looking for savings will appreciate the rates available for good drivers and young drivers.
Pros
Family-focused discounts for young drivers and people with good driving records
Accident forgiveness available
Cons
Below-average J.D. Power customer satisfaction rating in Texas
Doesn’t offer rideshare coverage
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $59/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. | $109/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 $105 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $33 |
| GEICO | $36 |
| Allstate | $47 |
| Mile Auto | $51 |
| USAA | $59 |
| Nationwide | $75 |
| Mercury | $77 |
| Progressive | $90 |
| Safeco | $91 |
| Dairyland | $96 |
| Chubb | $101 |
| Clearcover | $110 |
| National General | $110 |
| 21st Century | $116 |
| Direct Auto | $117 |
| The General | $117 |
| Bristol West | $121 |
| Commonwealth Casualty | $122 |
| Elephant | $129 |
| GAINSCO | $149 |
| Liberty Mutual | $177 |
| Foremost | $199 |
| State Auto | $222 |
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 $216 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $61 |
| GEICO | $67 |
| Allstate | $86 |
| Mile Auto | $103 |
| USAA | $109 |
| Mercury | $133 |
| Nationwide | $137 |
| Progressive | $156 |
| Safeco | $161 |
| Clearcover | $165 |
| Chubb | $185 |
| Elephant | $212 |
| 21st Century | $214 |
| Direct Auto | $223 |
| National General | $228 |
| Dairyland | $249 |
| The General | $254 |
| Bristol West | $258 |
| Liberty Mutual | $292 |
| GAINSCO | $316 |
| Commonwealth Casualty | $336 |
| State Auto | $410 |
| Foremost | $423 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Laredo, Texas
Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $57/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 November 21, 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 November 21, 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 November 21, 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 November 21, 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]
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 $295 per month for full coverage and $143 for liability only. Here, you can see quotes from top insurers in the area.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $33 | $42 |
| GEICO | $36 | $46 |
| Allstate | $47 | $60 |
| Mile Auto | $51 | $66 |
| USAA | $59 | $75 |
| Nationwide | $75 | $97 |
| Mercury | $77 | $106 |
| Progressive | $90 | $114 |
| Safeco | $91 | $118 |
| Dairyland | $96 | $123 |
| Chubb | $101 | $131 |
| Clearcover | $110 | $142 |
| National General | $110 | $142 |
| 21st Century | $116 | $154 |
| Direct Auto | $117 | $150 |
| The General | $117 | $153 |
| Bristol West | $121 | $156 |
| Commonwealth Casualty | $122 | $168 |
| Elephant | $129 | $178 |
| GAINSCO | $149 | $206 |
| Liberty Mutual | $177 | $244 |
| Foremost | $199 | $274 |
| State Auto | $222 | $306 |
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 $313 per month, and the average for liability-only coverage is $152.
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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $33 | $45 |
| GEICO | $36 | $49 |
| Allstate | $47 | $64 |
| Mile Auto | $51 | $71 |
| USAA | $59 | $80 |
| Nationwide | $75 | $103 |
| Mercury | $77 | $112 |
| Progressive | $90 | $123 |
| Safeco | $91 | $123 |
| Dairyland | $96 | $129 |
| Chubb | $101 | $138 |
| Clearcover | $110 | $161 |
| National General | $110 | $149 |
| 21st Century | $116 | $162 |
| Direct Auto | $117 | $163 |
| The General | $117 | $162 |
| Bristol West | $121 | $164 |
| Commonwealth Casualty | $122 | $162 |
| Elephant | $129 | $172 |
| GAINSCO | $149 | $194 |
| Liberty Mutual | $177 | $256 |
| Foremost | $199 | $288 |
| State Auto | $222 | $328 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for 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 $356 per month for full coverage and $173 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $33 | $54 |
| GEICO | $36 | $59 |
| Allstate | $47 | $77 |
| Mile Auto | $51 | $84 |
| USAA | $59 | $97 |
| Nationwide | $75 | $124 |
| Mercury | $77 | $117 |
| Progressive | $90 | $148 |
| Safeco | $91 | $139 |
| Dairyland | $96 | $158 |
| Chubb | $101 | $166 |
| Clearcover | $110 | $181 |
| National General | $110 | $181 |
| 21st Century | $116 | $191 |
| Direct Auto | $117 | $193 |
| The General | $117 | $193 |
| Bristol West | $121 | $199 |
| Commonwealth Casualty | $122 | $201 |
| Elephant | $129 | $213 |
| GAINSCO | $149 | $246 |
| Liberty Mutual | $177 | $292 |
| Foremost | $199 | $328 |
| State Auto | $222 | $366 |
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 $171 per month for full coverage and $83 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $25 | $46 |
| GEICO | $28 | $52 |
| Allstate | $37 | $67 |
| Mile Auto | $38 | $76 |
| USAA | $46 | $85 |
| Nationwide | $55 | $100 |
| Mercury | $59 | $103 |
| Progressive | $63 | $110 |
| Chubb | $72 | $132 |
| Dairyland | $75 | $194 |
| Safeco | $76 | $134 |
| National General | $82 | $170 |
| 21st Century | $85 | $156 |
| Direct Auto | $89 | $170 |
| Clearcover | $93 | $139 |
| The General | $93 | $201 |
| Bristol West | $95 | $202 |
| Commonwealth Casualty | $95 | $262 |
| Elephant | $103 | $169 |
| GAINSCO | $122 | $259 |
| Liberty Mutual | $145 | $240 |
| Foremost | $156 | $331 |
| State Auto | $162 | $299 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers have the least experience on the road and are more likely to engage in risky behavior, like driving at night, distracted driving, and speeding. Not surprisingly, then, young drivers face some of the highest car insurance costs on the market. Teens in Laredo pay average rates of $398 per month for full coverage and $193 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $59 | $109 |
| GEICO | $60 | $112 |
| Allstate | $87 | $159 |
| Mile Auto | $102 | $207 |
| USAA | $103 | $191 |
| Nationwide | $136 | $249 |
| Mercury | $142 | $245 |
| Dairyland | $162 | $419 |
| Progressive | $164 | $285 |
| Safeco | $182 | $322 |
| The General | $194 | $421 |
| Chubb | $201 | $367 |
| 21st Century | $205 | $378 |
| Clearcover | $210 | $315 |
| Bristol West | $212 | $453 |
| Elephant | $218 | $359 |
| Commonwealth Casualty | $220 | $605 |
| Direct Auto | $222 | $424 |
| National General | $225 | $465 |
| GAINSCO | $268 | $568 |
| Liberty Mutual | $316 | $522 |
| Foremost | $368 | $782 |
| State Auto | $410 | $758 |
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 $161 per month in Laredo. That’s a little more than the national average of $154 per month. But it’s cheaper than Texas’s overall average of $181 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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Amarillo | $104 | $234 |
| Austin | $131 | $241 |
| Corpus Christi | $129 | $230 |
| Dallas | $133 | $277 |
| El Paso | $97 | $202 |
| Fort Worth | $120 | $237 |
| Galveston | $130 | $236 |
| Houston | $174 | $322 |
| Lubbock | $107 | $221 |
| San Antonio | $123 | $237 |
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 $216 per month for full coverage and $105 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 $33. Other affordable insurers include GEICO and Allstate, with liability rates of $36 and $47 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.
What are the best car insurance companies in Laredo?
State Farm, GEICO, and USAA rank as three of the top insurance companies in Laredo. All three have Insurify Quality Scores of 9.3, 9.0, and 9.4, respectively. In addition, these insurers are among the area leaders for low rates, and each has been recognized for its customer service and financial stability.
What factors affect the cost of car insurance in Laredo?
Many things affect the rate you pay for car insurance, including your age, credit, marital status, driving history, and the vehicle you drive. Geography plays a role as well, and if you live in an area where accidents are more common or with a higher risk of crime, you’re apt to pay more for your car insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- 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
More cities in Texas
Sources
- World Population Review. "Texas Cities by Population."
- Texas Department of Insurance. "Automobile Insurance Guide."
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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.
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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