How Much Are Car Insurance Rates in Laredo?


Laredo premiums, which exceed the state average by $164, are known for being costly. Therefore it is especially critical to cut costs while insuring a vehicle in Laredo. We've analyzed how auto insurance rates in Laredo compare to premiums nationwide.


AUTO INSURANCE PRICES: LAREDO VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,974$1,810$1,427


Laredo Car Insurance for Drivers With At-Fault Accidents or Violations


Possessing an unblemished driving record is vital if you want to keep your premiums minimal. Drivers with a DUI in Laredo have rates 39% greater than the city average of $1,974. Reckless driving will drive your premiums up as well, with typical rates of $2,673. That is 35% higher than the city average. Even among safe drivers, accidents happen, so be prepared and learn how your rates can change following one. Being at-fault in an accident costs drivers an additional 47% per year in premiums compared to the city average.


AVERAGE LAREDO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$2,743
Reckless Driving$2,673
At-fault Accident (damages less than $1,000)$2,902
At-fault Accident (damages greater than $2,000)$2,902
Speeding Ticket (16-20 mph over speed limit)$2,063


Laredo Auto Insurance by Age

Looking across all age groups, drivers in their 50s have the lowest insurance payments. Their rates normally average $1,656. Those in their 60s ($1,711) aren’t paying much more. With car insurance payments of $6,147 on average, teenage drivers have the largest premiums of any age group. The biggest decrease in premiums for Laredo drivers happens when they reach their 20s. Once out of the teenage age bracket, they reduce their premiums by $3,769. When drivers turn 60, they will experience a premium increase related to their age for the first time.


LAREDO CAR INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$6,147
20s$2,378
30s$1,944
40s$1,874
50s$1,656
60s$1,711
70s$2,083


Laredo Auto Insurance by Marital Status and Gender


There are numerous factors, including gender and marital status, that affect car insurance premiums in Laredo. In your city, marital status actually has a substantial impact on premiums. You can save 11% per year if you're married as opposed to single. Rates for those who are widowed are also way cheaper than rates for those who are single. Premiums for men and women tend to deviate by 2%, with men paying more.


LAREDO AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,938
Male$1,974
Single$1,974
Married$1,762
Divorced$1,974
Widowed$1,794


Laredo Auto Insurance by Credit Rating


People with Exceptional credit (800-850) pay an average of $1,856 less every year on premiums than those with Very Poor credit (300-579). Drivers can save an average of 19% per year when they improve their credit tier from Very Good (740-799) to Exceptional (800-850).


LAREDO AUTO INSURANCE RATES BY CREDIT LEVEL
CreditAverage Rate
Very Poor$3,502
Fair$2,948
Good$2,439
Very Good$2,044
Exceptional$1,646


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

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

Car Insurance Companies in Laredo

Aggressive Insurance Allstate AssuranceAmerica Bristol West Cal Casualty Dairyland Direct General Elephant Encompass Falcon GAINSCO Germania Mutual Hallmark Infinity Jupiter Auto Kemper Specialty Liberty Mutual Mendota Mercury MetLife Pronto Safe Auto The General Travelers

Find Local Laredo Agents

Medina & Wright Insurance Agency

2212 Seymour Ave Laredo, TX 78040

IBC Insurance Agency Ltd

5800 San Dario Ave. Laredo, TX 78041

Henri D Kahn Insurance Service, LLC

112 Del Court, Suite B Laredo, TX 78041

Cubriel Insurance Agency, LLC

6010 McPherson Rd., Unit D2 Laredo, TX 78041

AlphaSure Affordable Insurance Services

1620 Chihuahua St Laredo, TX 78043

Cavazos Insurance Agency

2107 San Bernardo Ave Laredo, TX 78040

SafeGuard Insurance Agency

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

SafeGuard Insurance Agency

4205 Jaime Zapata Hwy #23 Laredo, TX 78041

FalconSure, Inc.

212 Bob Bullock Laredo, TX 78041

Aschere Insurance Group LLC

205 Lake Carnegie Ct Laredo, TX 78041

Kahn Insurance Agency, LLC

112 Del Ct Ste B Laredo, TX 78041

GSM Insurors Services of South Texas, Inc.

6019 McPherson Rd Unit 11 Laredo, TX 78041

Bravo Insurance

2212 Santa Ursula Ave Laredo, TX 78040

FalconSure, Inc

7718 McPherson Rd Laredo, TX 78045

Delgado Insurance Agency, LC

9902 McPherson Rd Laredo, TX 78045

See All

$1,633

The average Laredo resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

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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Laredo Car Insurance

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