Compare Laredo, TX Car Insurance Rates (2021)

Car insurance in Laredo, TX averages $369 a month. Laredo, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Laredo car insurance rates, compare quotes from the top car insurance companies in Laredo, TX.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Laredo for teen drivers is USAA
  • The cheapest ZIP code in Laredo is 78045
  • Average car insurance rates in Laredo, TX after a DUI are $5,037/year

If you need to buy Laredo, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Laredo, TX is right here.

You’ll find Laredo car insurance rates, the cheapest Laredo, TX car insurance companies, and information on Texas car insurance laws. You can also compare Laredo, Texas car insurance rates to Houston car insurance rates, El Paso car insurance rates, and Dallas car insurance rates.

Ready to find affordable Laredo, TX car insurance today? Enter your ZIP code for fast, free Laredo car insurance quotes.

Cheapest Laredo, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Laredo, TX car insurance rates? Every Laredo, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Laredo, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,848 $3,900 $3,802 $3,802 $9,814 $11,909 $4,766 $4,995
American Family $3,446 $3,849 $3,222 $3,707 $9,402 $12,374 $5,012 $5,740
GEICO $2,447 $2,614 $2,310 $2,593 $5,148 $5,332 $2,643 $2,642
Nationwide $3,099 $3,177 $2,717 $2,910 $8,442 $11,006 $3,604 $3,935
Progressive $2,982 $2,872 $2,626 $2,688 $11,971 $13,400 $3,566 $3,646
State Farm $2,232 $2,232 $1,968 $1,968 $5,008 $6,316 $2,404 $2,476
USAA $1,741 $1,762 $1,667 $1,670 $4,752 $5,195 $2,324 $2,509

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Minimum Car Insurance in Laredo, TX

Every driver must carry the minimum car insurance in Laredo, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Laredo, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Laredo, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Laredo, TX. Compare credit history car insurance rates in Laredo from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Laredo, Texas

Insurance Company Poor Fair Good
Allstate $7,466 $5,446 $4,652
American Family $8,017 $5,072 $4,444
GEICO $4,962 $2,811 $1,876
Nationwide $5,878 $4,655 $4,050
Progressive $6,209 $5,305 $4,893
State Farm $4,356 $2,711 $2,160
USAA $3,963 $2,295 $1,849

Cheapest Laredo, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Laredo, TX to rates for a clean record with top companies.

Annual Laredo, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,618 $6,962 $7,220 $4,618
American Family $5,323 $6,785 $5,944 $5,323
GEICO $2,729 $3,544 $3,048 $3,543
Nationwide $4,182 $4,182 $6,321 $4,759
Progressive $4,764 $6,127 $5,593 $5,393
State Farm $2,765 $3,128 $3,643 $2,765
USAA $2,020 $2,981 $3,489 $2,320

Cheapest Laredo, TX Car Insurance for Teen Drivers

Teen car insurance in Laredo, TX can be expensive. Take a look at rates from the top car insurance companies in Laredo for teenagers.

Annual Car Insurance Rates for Teen Drivers in Laredo, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,814 $11,909
American Family $9,402 $12,374
GEICO $5,148 $5,332
Nationwide $8,442 $11,006
Progressive $11,971 $13,400
State Farm $5,008 $6,316
USAA $4,752 $5,195

Cheapest Laredo, TX Car Insurance for Seniors

Take a look at Laredo, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Laredo, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,802 $3,802
American Family $3,222 $3,707
GEICO $2,310 $2,593
Nationwide $2,717 $2,910
Progressive $2,626 $2,688
State Farm $1,968 $1,968
USAA $1,667 $1,670

Cheapest Laredo, TX Car Insurance Rates After a DUI

A DUI in Laredo, TX increases car insurance rates. Compare Laredo, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Laredo, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,220
American Family $5,944
GEICO $3,048
Nationwide $6,321
Progressive $5,593
State Farm $3,643
USAA $3,489

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Cheapest Laredo, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Laredo, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Laredo, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,717 $5,992
American Family $5,844 $5,844
GEICO $3,147 $3,285
Nationwide $4,861 $4,861
Progressive $5,469 $5,469
State Farm $3,076 $3,076
USAA $2,668 $2,737

Cheapest Laredo, TX Car Insurance Rates by ZIP Code

Laredo car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Laredo, TX.

Annual Car Insurance Rates by ZIP Code in Laredo, Texas

ZIP Code Average Annual Rates
78040 $6,072
78041 $6,228
78043 $6,272
78045 $5,967
78046 $6,232
78049 $8,291

The Best Cheap Car Insurance Companies in Laredo, TX

Take a look at a side-by-side comparison of the top car insurance companies in Laredo, TX to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Laredo, Texas

Insurance Company Average Annual Rates
Allstate $5,855
American Family $5,844
GEICO $3,216
Nationwide $4,861
Progressive $5,469
State Farm $3,076
USAA $2,703

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Category Winners: Cheapest Car Insurance in Laredo, Texas

Find the cheapest car insurance companies in Laredo, TX for each category right here.

Best Annual Car Insurance Rates by Company in Laredo, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

Cheapest Laredo, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Laredo car insurance rates. Find the cheapest Laredo, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Laredo, Texas

Insurance Company Low Medium High
Allstate $5,730 $5,808 $6,026
American Family $5,394 $5,599 $6,538
GEICO $3,042 $3,168 $3,438
Nationwide $5,243 $4,639 $4,702
Progressive $5,196 $5,448 $5,763
State Farm $2,908 $3,060 $3,259
USAA $2,595 $2,688 $2,824

What affects car insurance rates in Laredo, Texas?

What factors can have an impact on Laredo, TX car insurance? There are several reasons why Laredo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Laredo, Texas.

Car Theft in Laredo

High levels of vehicle theft can make car insurance more expensive. Laredo, TX car theft statistics from the FBI indicate 169 vehicle thefts a year.

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Compare Car Insurance Quotes in Laredo, TX

Ready to find affordable Laredo, Texas car insurance today? Enter your ZIP code for fast, free Laredo, TX car insurance quotes.

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