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How much does car insurance cost in Laredo?


The average car insurance rate in Laredo is $1,507 per year. That's more expensive than the average across Texas ($1,415) and cheaper than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Laredo.


LAREDO CAR INSURANCE RATES
Laredo Average (yearly)Texas AverageU.S. Average
$1,507$1,415$1,548

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Laredo auto insurance rates by insurer


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Laredo, GEICO offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in Laredo below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


LAREDO CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
GEICO$1,262
USAA$1,299
State Farm$1,397
Allstate$2,527

Check out our guide to learn how to find the best cheap car insurance.



Auto insurance premiums by age in Laredo

The age bracket that pays the least for auto insurance in Laredo consists of drivers in their 50s, who pay an average of $1,298. Drivers in their 60s pay marginally higher rates — $1,328 per year.

Teenage drivers pay Laredo's most expensive car insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Laredo is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Laredo is $1,692, the largest such difference between any two age groups.


LAREDO AUTO INSURANCE COSTS BY AGE
AgeAverage Annual Rate
Teenagers$3,631
20s$1,939
30s$1,483
40s$1,443
50s$1,298
60s$1,328
70s$1,596

Learn more about the impact of age on car insurance premiums.



Laredo car insurance rates by marital status and gender


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Laredo, married motorists pay $111 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Laredo, widowed drivers pay less than those who are single.

Another component of auto insurance pricing is gender. In Laredo, male drivers pay $25 more per year for car insurance than do female drivers.


LAREDO CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,482
Male$1,507
Single$1,396
Married$1,396
Divorced$1,507
Widowed$1,368

Learn more about how gender and marital status have on auto insurance rates.



Laredo auto insurance costs by accident and citation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Laredo, a reckless driving citation results in an average insurance rate increase of $739 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $759 increase and a speeding ticket triggers a $127 rate hike.


AVERAGE LAREDO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Yearly Rate
DUI/DWI$2,266
Reckless Driving$2,247
At-fault Accident (damages < $1,000)$1,873
At-fault Accident (damages greater than $2,000)$2,235
Speeding Ticket (16-20 mph over speed limit)$1,634

Learn more about citations' impact on your auto insurance rates.



Laredo car insurance costs by credit tier


Credit score is often closely correlated with car insurance costs. Laredo drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their auto insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Laredo, moving into the "Fair" credit tier corresponds to an average of $1,267 in savings on insurance each year.


LAREDO CAR INSURANCE RATES BY CREDIT TIER
Credit TierAverage Yearly Rate
Very Poor$3,134
Fair$1,867
Good$1,507
Very Good$1,403
Exceptional$1,250

Get additional information on how credit impacts car insurance costs.



What drives up car insurance rates in Laredo?

Where you live in Laredo affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Laredo is no exception to the rule. From ZIP code 78040 to 78049, premiums rise by 11 percent—that’s $180.

Expensive Laredo ZIP codes: 78043, 78041, 78049

Cheap Laredo ZIP codes: 78040, 78045, 78046

Laredo Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Laredo, you can expect 59 rainy days with an annual rainfall of 22 inches. Laredo is also known to experience thunderstorms and flash floods.

59

Rainy Days a Year

22"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Laredo

2
Major Highways
I-35 Loop 20 SH 359
2
Public Transit
El Metro Bus

Car Insurance Companies in Laredo

21st Century AAA Access Affirmative AFI Aggressive Insurance Allstate Amica Mutual Insurance AmWINS Heritage AmWINS Star Apparent AssuranceAmerica Branch Bristol West CAIC Cal Casualty Cinch Clearcover Commonwealth Dairyland Direct Auto Elephant Empower Encompass Esurance Falcon Farmers FIMC Foremost GAINSCO GEICO Germania Mutual Hallmark Hippo Infinity Jupiter Auto Kemper Auto Kemper Preferred Lamar General Agency Liberty Mutual Mendota Mercury MetLife MileAuto Multi-State National General Nationwide Progressive Pronto Pronto Flex Safe Auto Safeco Safeway Insurance Company State Auto State Farm Stillwater Texas Farm Bureau The General The Hartford Titan Travelers Unitrin UPC USAA Windhaven

Find Local Laredo Agents

Delgado Insurance Agency, LC

9902 McPherson Rd Ste 6, Laredo, TX 78045

AlphaSure Affordable Insurance Services

1620 Chihuahua St, Laredo, TX 78043

SafeGuard Insurance Agency

104. E. Calton Rd Ste 101, Laredo, TX 78041

Cubriel Insurance Agency, LLC

6010 McPherson Rd., Unit D2, Laredo, TX 78041

Kahn Insurance Agency, LLC

112 Del Ct Ste B, Laredo, TX 78041

SafeGuard Insurance Agency

4205 Jaime Zapata Hwy #23, Laredo, TX 78041

Bravo Insurance

2212 Santa Ursula Ave, Laredo, TX 78040

Henri D Kahn Insurance Service, LLC

112 Del Court, Suite B, Laredo, TX 78041

FalconSure, Inc.

212 Bob Bullock, Laredo, TX 78041

Medina & Wright Insurance Agency

2212 Seymour Ave, Laredo, TX 78040

Cavazos Insurance Agency

2107 San Bernardo Ave, Laredo, TX 78040

Aschere Insurance Group LLC

205 Lake Carnegie Ct, Laredo, TX 78041

IBC Insurance Agency Ltd

5800 San Dario Ave. 2nd Floor, Laredo, TX 78041

FalconSure, Inc

7718 McPherson Rd Building A, Laredo, TX 78045

GSM Insurors Services of South Texas, Inc.

6019 McPherson Rd Unit 11, Laredo, TX 78041

2

$1,633

The average Laredo resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

261

That's equal to 261 cups of coffee or $653 in savings

See How Much You Can Save in Laredo

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.