Car Insurance in Laredo
On average, Laredo premiums are $164 greater than the state average, so understanding premium costs while insuring a vehicle in Laredo is vital. Who doesn't like to save money? Check out some tips below about how to save on car insurance in Laredo.
- City Average: $1,974
- State Average: $1,810
- National Average: $1,427
Laredo Car Insurance by Accident or Violation History
By knowing which driving mishaps can make your car insurance rates spike, you can make better decisions and save money. For those in Laredo with at-fault accidents, $928 is the amount by which annual insurance premiums can be expected to rise. Drivers with a DUI in Laredo need to spend $769 more than the city average to insure their vehicle. Reckless driving will also bump your premiums up, with typical rates of $2,673.
- DUI: $2,743
- Reckless Driving: $2,673
- At-fault Accident (damages less than $1000): $2,902
- At-fault Accident (damages greater than $2000): $2,902
- Speeding Ticket (16-20 mph over speed limit): $2,063
Laredo Car Insurance by Gender and Marital Status
Gender and marital status are among the numerous driver attributes that can have an effect on car insurance premiums in Laredo. In your city, marital status actually has a substantial impact on premiums. Being single can cost you around $210 more per year compared to being married. Rates for those who are widowed are also way cheaper than rates for those who are single. 2% is the amount by which men's and women's car insurance premiums differ.
- Female: $1,938
- Male: $1,974
- Single: $1,974
- Married: $1,762
- Divorced: $1,974
- Widowed: $1,794
Laredo Car Insurance by Credit Rating
The discrepancy between average car insurance premiums in Laredo for those with Very Poor credit (300-579) and Exceptional credit (800-850) is $1,856 per year. Drivers can save an average of $398 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).
- Very Poor: $3,502
- Fair: $2,948
- Good: $2,439
- Very Good: $2,044
- Exceptional: $1,646
Laredo Car Insurance by Age
Drivers in their 50s save money on premiums, as they have the smallest rates among all age groups, paying only $1,656 a year. People in their 60s ($1,711) aren’t paying much more. Car insurance premiums are highest for teenage drivers, with payments that average $6,147 per year. The largest fall in premiums for Laredo drivers happens when they reach their 20s. Once out of the teenage age bracket, people save, on average, 61% every year. Car insurance premiums in Laredo continue to trend downward up until drivers hit 60.
- Teenagers: $6,147
- 20s: $2,378
- 30s: $1,944
- 40s: $1,874
- 50s: $1,656
- 60s: $1,711
- 70s: $2,083
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Laredo Agents
AlphaSure Affordable Insurance Services
1620 Chihuahua St Laredo, TX 78043
7718 McPherson Rd Laredo, TX 78045
Cubriel Insurance Agency, LLC
6010 McPherson Rd., Unit D2 Laredo, TX 78041
Delgado Insurance Agency, LC
9902 McPherson Rd Laredo, TX 78045
SafeGuard Insurance Agency
4205 Jaime Zapata Hwy #23 Laredo, TX 78041
GSM Insurors Services of South Texas, Inc.
6019 McPherson Rd Unit 11 Laredo, TX 78041
Medina & Wright Insurance Agency
2212 Seymour Ave Laredo, TX 78040
Kahn Insurance Agency, LLC
112 Del Ct Ste B Laredo, TX 78041
SafeGuard Insurance Agency
104. E. Calton Rd Ste 101 Laredo, TX 78041
IBC Insurance Agency Ltd
5800 San Dario Ave. Laredo, TX 78041
Aschere Insurance Group LLC
205 Lake Carnegie Ct Laredo, TX 78041
2212 Santa Ursula Ave Laredo, TX 78040
212 Bob Bullock Laredo, TX 78041
Henri D Kahn Insurance Service, LLC
112 Del Court, Suite B Laredo, TX 78041
Cavazos Insurance Agency
2107 San Bernardo Ave Laredo, TX 78040
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Laredo Car Insurance
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