How Much Does Car Insurance Cost in Laredo?


Laredo is known for its costly premiums, as its mean premium is 13% greater than the state average. So being knowledgeable about premiums while insuring a vehicle in Laredo is especially critical. Let's compare car insurance costs in Laredo versus premiums across the nation.


CAR INSURANCE PRICES: LAREDO VS. STATE/NATIONAL MEAN
City AverageState AverageNational Average
$2,020$1,792$1,569


Laredo Auto Insurance by Credit Rating


Average car insurance premiums in Laredo for individuals with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). Drivers will see the biggest percent reduction in premiums when they improve their credit from Very Poor (300-579) to Fair (580-669). That change can save them 35% per year.


LAREDO AUTO INSURANCE COSTS BY CREDIT TIER
Credit ScoreAverage Car Insurance Rate
Very Poor$3,629
Fair$2,348
Good$2,020
Very Good$1,904
Exceptional$1,767


Laredo Car Insurance With Accidents or Violations


Does your driving record show a history of accidents or violations? That may cost you in terms of premiums. Many people treat speed limits with leniency, but did you know that a ticket for speeding (16-20mph over the limit) can cost you extra $112 per year in car insurance premiums? In Laredo, drivers with a DUI have rates that exceed the city average of $2,020 by 35%. Reckless driving will drive your rates up as well, with average rates of $2,795, which are 38% higher than the city average.


AVERAGE LAREDO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Rate
DUI$2,727
Reckless Driving$2,795
At-fault Accident (damages less than $1,000)$2,585
At-fault Accident (damages greater than $2,000)$3,015
Speeding Ticket (16-20 mph over speed limit)$2,132


Laredo Car Insurance by Gender and Marital Status


Pricing for car insurance premiums in Laredo is determined by a lot of things, including gender and marital status. Premiums for men and women tend to differ by 2%, with men paying more. Believe it or not, marital status has a substantial impact on premiums. Married individuals save 11% per year compared to those who are single or divorced. Rates for those who are widowed are also way cheaper than rates for those who are single.


LAREDO CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,982
Male$2,020
Single$2,020
Married$1,801
Divorced$2,020
Widowed$1,908


Laredo Car Insurance Costs by Driver Age

With average car insurance payments of $6,242, teenage drivers have the largest premiums of any age group. Drivers in their 50s save money on premiums, as they have the smallest rates among all age groups, paying only $1,692 annually. Those in their 60s ($1,743) aren’t paying much more. The most significant decline in premiums for Laredo drivers happens when they hit their 20s. Once out of the teenage age bracket, people pay $4,550 less in premiums. While insurance rates for drivers will continue to shrink through their 50s, they should expect to pay more when they hit 60.


LAREDO CAR INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$6,242
20s$2,518
30s$1,994
40s$1,930
50s$1,692
60s$1,743
70s$2,016


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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

Apparent AssuranceAmerica Bristol West Commonwealth Casualty Dairyland Direct Auto Elephant Falcon GAINSCO Hallmark Infinity Kemper Auto Lamar General Agency Liberty Mutual Mendota Mercury MetLife Pronto Pronto Flex Safe Auto Safeco State Auto Stillwater The General Travelers

Find Local Laredo Agents

Cavazos Insurance Agency

2107 San Bernardo Ave Laredo, TX 78040

IBC Insurance Agency Ltd

5800 San Dario Ave. Laredo, TX 78041

Aschere Insurance Group LLC

205 Lake Carnegie Ct Laredo, TX 78041

SafeGuard Insurance Agency

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

Henri D Kahn Insurance Service, LLC

112 Del Court, Suite B Laredo, TX 78041

GSM Insurors Services of South Texas, Inc.

6019 McPherson Rd Unit 11 Laredo, TX 78041

SafeGuard Insurance Agency

4205 Jaime Zapata Hwy #23 Laredo, TX 78041

FalconSure, Inc

7718 McPherson Rd Laredo, TX 78045

Delgado Insurance Agency, LC

9902 McPherson Rd Laredo, TX 78045

FalconSure, Inc.

212 Bob Bullock Laredo, TX 78041

Medina & Wright Insurance Agency

2212 Seymour Ave Laredo, TX 78040

AlphaSure Affordable Insurance Services

1620 Chihuahua St Laredo, TX 78043

Kahn Insurance Agency, LLC

112 Del Ct Ste B Laredo, TX 78041

Cubriel Insurance Agency, LLC

6010 McPherson Rd., Unit D2 Laredo, TX 78041

Bravo Insurance

2212 Santa Ursula Ave Laredo, TX 78040

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

Just enter your zip code to get started

Location pin icon
Your information is secure.

Recent Questions:

Laredo Car Insurance

Can I get a short-term insurance policy for my car if I'm a US citizen living in Mexico but will be coming back to the US for a few weeks?

Most insurance policies run for 6-12 months and can be canceled at any time. Each company handles cancellations differently so I would recommend asking about their cancellation process before starting a policy to avoid any fees.

Additional Resources:

Laredo Car Insurance

Chevron left icon
How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...

Chevron right icon