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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 Average||U.S. Average|
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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
|Insurer||Average Yearly Rate|
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
|Age||Average Annual Rate|
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 Status||Average Yearly Rate|
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
|Citation||Average Yearly Rate|
|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|
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 Tier||Average Yearly Rate|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Laredo
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
2212 Santa Ursula Ave, Laredo, TX 78040
Henri D Kahn Insurance Service, LLC
112 Del Court, Suite B, Laredo, TX 78041
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
7718 McPherson Rd Building A, Laredo, TX 78045
GSM Insurors Services of South Texas, Inc.
6019 McPherson Rd Unit 11, Laredo, TX 78041
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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.