Cheap Car Insurance in Laredo, Texas (With 2021 Rates)

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Lowest Premium

$315 / YEAR

Average Premium

$553 / YEAR

Highest Premium

$1000 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Laredo is around $553 and can go upto $1000. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.

It is legally mandatory to have car insurance in Laredo city. There are more than a dozen insurers in the city that offer car insurance. A full coverage car insurance in Laredo costs an average of $1,600. This is very high compared to the state average car insurance which is around $1,200. The most expensive car insurance in Laredo comes around $2,370. The car insurance for teenage drivers can go even higher in the city.

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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Laredo by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Laredo. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
78040$534
78041$543
78042$585
78043$552
78045$530
78046$545

Insurance Agents in Laredo, TX and Near by

  • 0 mi
    Jesus Lopez
    719 Chihuahua St Ste 108, Laredo, TX 78040
    (956) 728-8851
  • 0 mi
    Protection Insurance Agency
    1020 Washington St Ste F, Laredo, TX 78040
    (956) 723-9542
  • 0 mi
    GlobalGreen Insurance Agency
    1519 Washington St Ste 101b, Laredo, TX 78040
    (210) 286-3704
  • 0 mi
    Medina Wright Insurance
    2212 N Seymour Ave, Laredo, TX 78040
    (956) 723-5546
  • 0 mi
    Insurance Quotes
    1820 San Bernardo Ave, Laredo, TX 78040
    (956) 727-8881
  • 0 mi
    Cavazos Insurance Agency
    2107 San Bernardo Ave, Laredo, TX 78040
    (956) 723-4623
  • 14.99 mi
    Edgar Gonzalez
    2702 Jaime Zapata Hwy Ste 1, Laredo, TX 78043
    (956) 284-0111
  • 14.99 mi
    Gonzalez Insurance Agency
    3911 Jaime Zapata Memorial Hwy Ste 4, Laredo, TX 78043
    (956) 723-7600
  • 14.99 mi
    Safeguard Insurance Agency
    4205 Jaime Zapata Memorial Hwy Ste 23, Laredo, TX 78043
    (956) 791-7272
  • 14.99 mi
    Raul R. Martinez Jr.
    3802 Hwy 359 Ste 5, Laredo, TX 78043
    (956) 729-8884
  • 14.99 mi
    Alphasure Affordable Insurance Services
    1620 Chihuahua St, Laredo, TX 78043
    (956) 729-9500
  • 14.99 mi
    Manuel Gomez III
    4311 Clark Blvd Ste K, Laredo, TX 78043
    (956) 333-0000
  • 14.99 mi
    Herman Dominguez
    3120 N Arkansas Ave, Laredo, TX 78043
    (956) 726-0493
  • 14.99 mi
    Sandra Zimmerman Insurance
    3515 N Arkansas Ave Ste 107, Laredo, TX 78043
    (956) 796-1115
  • 25.39 mi
    Gabriel Medina
    9807 Mines Rd Ste 6, Laredo, TX 78045
    (956) 645-2510
  • 25.39 mi
    Delgado Insurance Agency
    9902 Mcpherson Rd Ste 6, Laredo, TX 78045
    (956) 415-0276
  • 25.39 mi
    Americorp Insurance Group
    408 Shiloh Dr Ste 3, Laredo, TX 78045
    (956) 568-3667
  • 25.39 mi
    Jorge A. Monsivais
    414 Shiloh Dr Unit 1, Laredo, TX 78045
    (956) 722-0087
  • 25.39 mi
    Carlos Nunez Jr
    1102 Marshall St Ste 3, Laredo, TX 78045
    (956) 763-2707
  • 25.39 mi
    Kike Trevino
    517 Shiloh Drive Ste 4, Laredo, TX 78045
    (956) 791-5453
  • 25.39 mi
    CV Insurance
    1001 Queens Ct, Laredo, TX 78045
    (956) 206-1026
  • 25.39 mi
    Manuel Benavides
    8610 Mcpherson Rd Ste 100, Laredo, TX 78045
    (956) 725-5952
  • 25.39 mi
    Falcon Bank Insurance
    7718 Mcpherson Rd, Laredo, TX 78045
    (956) 794-9700
  • 25.39 mi
    Kevin Romo
    7917 Mcpherson Rd Ste 208, Laredo, TX 78045
    (956) 753-9337
  • 3.69 mi
    America Insurance Agency
    7128 Rosson Ln Ste 10, Laredo, TX 78041
    (956) 717-1500
  • 3.69 mi
    Powell-Watson Insurance Group
    6301 Arena Blvd, Laredo, TX 78041
    (956) 764-4399
  • 3.69 mi
    Mike Cortez
    201 W Del Mar Blvd Ste 16, Laredo, TX 78041
    (956) 723-6453
  • 3.69 mi
    Mario Guzman Jr
    216 W Village Blvd Ste 102, Laredo, TX 78041
    (956) 242-0333
  • 3.69 mi
    Luis Cardenas
    1418 E Saunders St Ste 1, Laredo, TX 78041
    (956) 726-8944
  • 3.69 mi
    Manuel Benavides
    4001 Mcpherson Ave Ste 105, Laredo, TX 78041
    (956) 725-5901
  • 3.69 mi
    South Texas Insurance Agency
    4815 San Bernardo Ave, Laredo, TX 78041
    (956) 729-1010
  • 3.69 mi
    Beto Gonzalez
    502 W Calton Rd Ste 104, Laredo, TX 78041
    (956) 726-0547
  • 3.69 mi
    Hector Chapa
    317 E Calton Rd Ste 5, Laredo, TX 78041
    (956) 568-1003
  • 3.69 mi
    Safeguard Insurance Agency
    104 E Calton Rd Ste 101, Laredo, TX 78041
    (956) 242-6989
  • 3.69 mi
    Marcus Moreno
    709 E Calton Rd Ste 106, Laredo, TX 78041
    (956) 723-8591
  • 3.69 mi
    Pena Insurance
    220 W Hillside Rd Ste 11, Laredo, TX 78041
    (956) 724-9004
  • 3.69 mi
    Ricardo Rodriguez
    5411 Mcpherson Rd Ste 101, Laredo, TX 78041
    (956) 726-1906
  • 3.69 mi
    Keefe Duterte
    709 Alta Vista Dr Ste 101, Laredo, TX 78041
    (956) 726-4649
  • 3.69 mi
    Bruno Diaz
    107 Calle Del Norte Ste 1c, Laredo, TX 78041
    (956) 774-6290
  • 3.69 mi
    Anabella Ruiz Herbig
    315 Calle Del Norte Ste 103, Laredo, TX 78041
    (956) 725-1617
  • 3.69 mi
    Stonebriar Insurance Group
    5711 Mcpherson Rd Ste 202, Laredo, TX 78041
    (956) 729-0799
  • 3.69 mi
    Pedro Sanchez
    5916 San Bernardo Ave, Laredo, TX 78041
    (956) 722-8445
  • 3.69 mi
    Raul Patino
    5901 Mcpherson Rd Ste 6b, Laredo, TX 78041
    (956) 728-1828
  • 3.69 mi
    Texas Farm Bureau Insurance
    1505 Calle Del Norte Ste 210, Laredo, TX 78041
    (956) 712-3276
  • 3.69 mi
    Cubriel Insurance Agency
    6010 Mcpherson Rd Unit D2, Laredo, TX 78041
    (956) 568-5290
  • 3.69 mi
    GSM Insurors
    6019 Mcpherson Rd Ste 10, Laredo, TX 78041
    (956) 724-9100
  • 3.69 mi
    Beverly Hagy
    6019 Mcpherson Rd Ste 6, Laredo, TX 78041
    (956) 717-5770
  • 3.69 mi
    Aschere Insurance Group
    6108 Mcpherson Rd Ste 8, Laredo, TX 78041
    (956) 790-0155
  • 3.69 mi
    Henri D Kahn Insurance Services
    112 Del Ct Ste B, Laredo, TX 78041
    (956) 725-3936
  • 3.69 mi
    Cynthia Cardenas
    6909 Springfield Ave Ste 103, Laredo, TX 78041
    (956) 724-8200
  • 3.69 mi
    Juan Sanchez
    6909 Springfield Ave Ste 104, Laredo, TX 78041
    (956) 791-6511
  • 3.69 mi
    Robert Rogers
    6410 Mcpherson Rd Ste 2, Laredo, TX 78041
    (956) 724-1038
  • 3.69 mi
    Delhia Baber
    1705 E Del Mar Blvd Ste A114, Laredo, TX 78041
    (956) 753-3773
  • 3.69 mi
    Rene Benavides
    8218 Casa Verde Rd A-5, Laredo, TX 78041
    (956) 723-9511
  • 3.69 mi
    Luis Estrada
    3660 E Del Mar Blvd Ste 9, Laredo, TX 78041
    (956) 568-8013
View all agents ↓

Learn More About Car Insurance in San Antonio, TX

Population

261,500

Total Crashes

5,576

Persons Injured

1,547

Car Insurance in Laredo is cheaper compared to other major cities in Texas. But be cautious when choosing car insurance and add enough coverage to protect you from any lawsuits for a car accident that you caused. There are more than a dozen insurance companies operating in Laredo. Some are popular and have the majority share of the market. There are lesser known insurers that may have more reasonable premiums for similar coverage but you should take a holistic view of all your options. You need a convenient process, assured approval of claims and responsiveness on the part of your insurer so you don’t have to run to and fro with your applications, filing of damages and other imperative procedures.

Check this article to know what all types of coverages you need for car insurance.

Car insurance vary by age group

The age group you are in can influence the car insurance premium. You can see how much car insurance costs for different age groups in Laredo city.

Car insurance cost by age group

Age group Avg. Premium (50/100/50)
20's $1,135
30's $530
40's $485
50's $470
60's $465
70's $580

From the graph above, we can see that the insurance premium cost is very high for those in their 20's as the risk of accident is higher in that age group. Similarly for those who passed their 70's also tends to be at higher risk of collision and hence a higher premium amount.

Also you can see a slight difference in car insurance premium cost with respect to your gender as female drivers tends to pay less for their car insurance. This variation is seen more in the 20's age group.

Age is just one of the factors that effects your car insurance price. Check the article below to know what other factors are there.

The choice of insurer will also have a substantial influence on the cost. It is needless to mention that the cheapest quote is not always the best and the most expensive policy is not always the ideal option. There are some insurers that are more convenient to deal with and some are more affordable, some are lenient and easy with claims while some are more suited for families of deployed military personnel. You should have a diligent approach while choosing car insurance in Laredo. Figure out how much coverage you would need based on the value of your car, driving skills, frequency of usage including the mileage and routes, your history of accidents and the extent of financial protection you want.

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.