Best Cheap Auto Insurance in Laredo, TX (2021)

The average Laredo, TX auto insurance rates are $369 per month. The minimum auto insurance in Laredo is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Laredo, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Laredo, TX for senior drivers are $2,689 per year
  • The cheapest auto insurance company in Laredo is USAA
  • The minimum auto insurance required in Laredo, Texas is 30/60/25

Laredo, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Laredo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Laredo, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Laredo to other Texas cities, including Corpus Christi auto insurance rates, Dallas auto insurance rates, and Austin auto insurance rates to see how Laredo, Texas auto insurance rates stack up.

Before you buy Laredo, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Laredo, Texas auto insurance quotes.

Minimum Auto Insurance in Laredo, Texas

Laredo, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Laredo, Texas.

Minimum Required Auto 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

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Cheap Laredo, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Laredo, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Laredo, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Laredo, Texas is a challenge. Take a look at the annual teen auto insurance rates in Laredo, Texas.

Annual Auto 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

Cheap Laredo, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Laredo, Texas? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Laredo, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Laredo, Texas compared to the annual auto insurance rates with a clean record in Laredo, Texas.

Annual Laredo, Texas Auto 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

Cheap Laredo, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Laredo, Texas is not easy. Compare the annual rates for DUI auto insurance in Laredo, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Laredo, Texas

Insurance Company Annual Auto 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

Cheap Laredo, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Laredo, Texas annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Laredo, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Laredo, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Laredo, Texas to see how car insurance rates are affected by location.

Annual Auto 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

Cheap Laredo, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Laredo, Texas auto insurance. Find the cheapest annual Laredo, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Laredo, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Laredo, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Laredo, Texas? Check out the comparison of annual Laredo, Texas auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Laredo, Texas

Compare the cheapest auto insurance companies in Laredo, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Laredo, Texas Auto Insurance Companies

What auto insurance companies in Laredo, Texas are the cheapest? Compare the top Laredo, Texas auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Laredo, Texas?

There are a lot of reasons why auto insurance rates in Laredo, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Laredo, Texas. Many local factors may affect your Laredo auto insurance rates.

Laredo Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Laredo, Texas auto theft statistics, there have been 169 auto thefts in the city.

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Compare Laredo, Texas Auto Insurance Quotes

Before you buy Laredo, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Laredo, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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