Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Laredo, TX for senior drivers are $2,689/year
  • The annual number of car thefts in Laredo is 169.
  • Average car insurance rates in Laredo, TX are $369/month

Average car insurance rates in Laredo, Texas are $369 a month. But with a little research you can get a great deal from the top car insurance companies in Laredo, TX. Before you buy Laredo, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

It may even be helpful to compare Laredo car insurance rates with Plano car insurance rates, San Antonio car insurance rates, or Austin car insurance rates to make sure you’re getting the best Laredo, TX car insurance quotes available.

Need affordable Laredo, TX car insurance? Enter your ZIP code to compare Laredo car insurance quotes from multiple car insurance companies near you.

Laredo, TX Minimum Car Insurance Coverage

Laredo, Texas law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Laredo, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Laredo, TX Car Insurance Rates by Coverage Level

Some Laredo drivers can get by with the Texas minimum coverage of 30/60/25. Other drivers may need more. See how much your Laredo, Texas car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Laredo, Texas

Insurance Company Low Medium High
Allstate $5,730 $5,808 $6,026
American Family $5,394 $5,599 $6,538
GEICO $3,042 $3,168 $3,438
Nationwide $5,243 $4,639 $4,702
Progressive $5,196 $5,448 $5,763
State Farm $2,908 $3,060 $3,259
USAA $2,595 $2,688 $2,824

Laredo, TX Car Insurance Rates by Age, Gender, and Marital Status

Laredo, Texas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Laredo, TX car insurance, get quotes from multiple car insurance companies in the Laredo area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Laredo, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,848 $3,900 $3,802 $3,802 $9,814 $11,909 $4,766 $4,995
American Family $3,446 $3,849 $3,222 $3,707 $9,402 $12,374 $5,012 $5,740
GEICO $2,447 $2,614 $2,310 $2,593 $5,148 $5,332 $2,643 $2,642
Nationwide $3,099 $3,177 $2,717 $2,910 $8,442 $11,006 $3,604 $3,935
Progressive $2,982 $2,872 $2,626 $2,688 $11,971 $13,400 $3,566 $3,646
State Farm $2,232 $2,232 $1,968 $1,968 $5,008 $6,316 $2,404 $2,476
USAA $1,741 $1,762 $1,667 $1,670 $4,752 $5,195 $2,324 $2,509

Laredo, TX Car Insurance Rates for Teens

How much is Laredo, Texas car insurance for teens? Compare rates from top Laredo car insurance companies below to help find the cheapest teen car insurance in Laredo, TX.

Annual Car Insurance Rates for Teen Drivers in Laredo, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,814 $11,909
American Family $9,402 $12,374
GEICO $5,148 $5,332
Nationwide $8,442 $11,006
Progressive $11,971 $13,400
State Farm $5,008 $6,316
USAA $4,752 $5,195

Laredo, TX Car Insurance Rates for Seniors

Before seniors buy Laredo, Texas car insurance, they should make sure to shop around. Some Laredo, TX car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Laredo, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,802 $3,802
American Family $3,222 $3,707
GEICO $2,310 $2,593
Nationwide $2,717 $2,910
Progressive $2,626 $2,688
State Farm $1,968 $1,968
USAA $1,667 $1,670

Laredo, TX Car Insurance Rates by Credit History

How does your credit history affect Laredo, TX car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Laredo, Texas

Insurance Company Poor Fair Good
Allstate $7,466 $5,446 $4,652
American Family $8,017 $5,072 $4,444
GEICO $4,962 $2,811 $1,876
Nationwide $5,878 $4,655 $4,050
Progressive $6,209 $5,305 $4,893
State Farm $4,356 $2,711 $2,160
USAA $3,963 $2,295 $1,849

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Laredo, TX Car Insurance Rates by Driver History

How does a single speeding ticket affect your Laredo, Texas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Laredo.

Annual Laredo, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,618 $6,962 $7,220 $4,618
American Family $5,323 $6,785 $5,944 $5,323
GEICO $2,729 $3,544 $3,048 $3,543
Nationwide $4,182 $4,182 $6,321 $4,759
Progressive $4,764 $6,127 $5,593 $5,393
State Farm $2,765 $3,128 $3,643 $2,765
USAA $2,020 $2,981 $3,489 $2,320

Laredo, TX Car Insurance Rates With a DUI

Even a single DUI can increase your Laredo, TX car insurance rates. Compare rates below to see which Laredo car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Laredo, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,220
American Family $5,944
GEICO $3,048
Nationwide $6,321
Progressive $5,593
State Farm $3,643
USAA $3,489

Laredo, TX Car Insurance Rates by ZIP Code

Just like Laredo car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Laredo, TX car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Laredo, Texas

ZIP Code Average Annual Rates
78040 $6,072
78041 $6,228
78043 $6,272
78045 $5,967
78046 $6,232
78049 $8,291

Laredo, TX Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Laredo, TX car insurance rates may be. Let’s take a look at average car insurance rates from top Laredo companies based on commute time.

Annual Car Insurance Rates by Commute Length in Laredo, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,717 $5,992
American Family $5,844 $5,844
GEICO $3,147 $3,285
Nationwide $4,861 $4,861
Progressive $5,469 $5,469
State Farm $3,076 $3,076
USAA $2,668 $2,737

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Laredo, TX Cheapest Car Insurance Rates

How do the top Laredo, Texas car insurance companies’ average rates stack up against the Laredo average monthly car insurance rates of $369? Take a look and see.

Best Annual Car Insurance Rates by Company in Laredo, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

Laredo, TX Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Laredo, Texas car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Laredo, Texas

Insurance Company Average Annual Rates
Allstate $5,855
American Family $5,844
GEICO $3,216
Nationwide $4,861
Progressive $5,469
State Farm $3,076
USAA $2,703

Other Factors Affecting Laredo, TX Car Insurance Rates

Before you buy Laredo, Texas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Laredo, TX Car Theft Rates

The car theft rate in Laredo, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Laredo, Texas is 169 stolen cars.

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Laredo, TX Car Insurance Quotes

Compare Laredo, TX car insurance quotes from multiple companies by entering your ZIP code now.