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Home » Car insurance » Texas » Cheap Car Insurance Laredo

Cheap Car Insurance in Laredo

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

Get Cheap Car Insurance Quotes in Your Area

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

Agents by ZIP code:
  • 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 Laredo, Texas

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 groupAvg. 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.

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

References

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.