Cheapest Car Insurance In Laredo, TX 2025
State Farm offers the most affordable minimum coverage car insurance in Laredo, costing about $30 per month on average.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Laredo, TX, can be challenging, as prices vary widely.
For those needing the lowest-cost liability-only coverage, State Farm stands out as the top choice. It also provides the best rates for full coverage policies. However, young drivers may find the most budget-friendly option with USAA.
Cheapest Car Insurance In Laredo, TX
Cheapest Liability-only Car Insurance In Laredo: State Farm
State Farm offers the most affordable minimum coverage car insurance in Laredo, with an average monthly premium of $30.
Refer to the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $30 | $360 |
| Mile Auto | $56 | $672 |
| GEICO | $35 | $420 |
| USAA | $61 | $732 |
| Allstate | $45 | $540 |
Cheapest Full Coverage Insurance Rates In Laredo: State Farm
State Farm offers the lowest rates for full coverage car insurance in Laredo, with an average monthly premium of $61.
Check the table below for a comparison of average quotes from budget-friendly insurance providers in Laredo.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $61 | $732 |
| GEICO | $70 | $840 |
| USAA | $112 | $1,344 |
| Mile Auto | $108 | $1,296 |
| Allstate | $92 | $1,104 |
Cheapest Car Insurance Rates For Seniors: Texas Farm Bureau
Texas Farm Bureau offers the most affordable car insurance for seniors in Laredo, with an average monthly rate of $73.
The table below highlights average quotes from the cheapest insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $73 | $876 |
| State Farm | $90 | $1,080 |
| Mercury | $96 | $1,152 |
| SafeAuto | $85 | $1,020 |
| Clearcover | $107 | $1,284 |
Cheapest Rates In Laredo For Teenagers: USAA
Teen drivers in Laredo can get the most affordable rates from USAA, with average monthly premiums of $210.
The table below lists the insurance providers offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $210 | $2,520 |
| State Farm | $334 | $4,008 |
| Fred Loya Insurance | $263 | $3,156 |
| Geico | $350 | $4,200 |
| Chubb | $557 | $6,684 |
Cheapest Auto Insurance For Young Adults in Laredo: Direct Auto
Direct Auto provides the most affordable car insurance for young adults in Laredo, with an average monthly rate of $98.
Check the table below to compare the lowest auto insurance rates for young adults in Laredo.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $98 | $1,176 |
| USAA | $183 | $2,196 |
| SafeAuto | $199 | $2,388 |
| Texas Farm Bureau | $154 | $1,848 |
| State Farm | $187 | $2,244 |
Cheapest Car Insurance In Laredo For Good Drivers: State Farm
Good drivers in Laredo can get the best car insurance rates from State Farm, with average monthly premiums of about $33.
If you’re a good driver, use the table below to compare average quotes from the most affordable insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $33 | $396 |
| GEICO | $38 | $456 |
| USAA | $62 | $744 |
| Mile Auto | $57 | $684 |
| Allstate | $52 | $624 |
Find Affordable Laredo Rates
Cheapest Car Insurance In Laredo After A Speeding Ticket: State Farm
State Farm offers some of the lowest rates in Laredo, with an average monthly premium of $42 for drivers who have a speeding ticket on their record.
Refer to the table below to compare average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| GEICO | $49 | $588 |
| USAA | $81 | $970 |
| Allstate | $66 | $792 |
| Mile Auto | $70 | $840 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance for drivers with an at-fault accident, with an average monthly rate of $48.
Below are the insurance companies offering the lowest rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $48 | $576 |
| Allstate | $67 | $804 |
| GEICO | $53 | $636 |
| USAA | $86 | $996 |
| Mile Auto | $73 | $876 |
Cheapest Rates In Laredo For Drivers After A DUI: State Farm
State Farm offers the lowest rates for drivers in Laredo after a DUI, with average monthly premiums of $55.
Check the table below for the cheapest rates available for drivers with a DUI in Laredo.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $55 | $660 |
| GEICO | $60 | $720 |
| Mile Auto | $88 | $1,056 |
| Allstate | $79 | $948 |
| USAA | $103 | $1,236 |
Best Car Insurance Companies In Laredo
State Farm offers the most affordable car insurance in Laredo, with average monthly premiums of $77. Other options to consider include GEICO at $85 per month and Texas Farm Bureau at $108 per month.
Below is a ranking of the top 10 car insurance companies in Laredo, TX, based on their average monthly rates.
| Company | Monthly Premium |
| State Farm | $77 |
| GEICO | $85 |
| Texas Farm Bureau | $108 |
| Mile Auto | $110 |
| USAA | $138 |
| SafeAuto | $139 |
| Nationwide | $147 |
| Safeco | $168 |
| Mercury | $171 |
| Clearcover | $196 |
Average Auto Insurance Rates In Laredo- By Age
Age plays a significant role in determining car insurance rates. Younger drivers typically face higher premiums due to their inexperience and higher risk of accidents and violations. Teenagers, for example, can expect to pay about $3,540 annually for car insurance.
As drivers reach 25, their rates generally start to drop, provided they have a clean driving record.
Drivers in their 50s and early 60s often receive the best insurance rates, as they are considered more experienced and less risky by insurers. Age is a key factor for insurance companies in assessing driving history and potential risk, which directly impacts premium costs.
| Age | Average Yearly Rate |
| Teenagers | $3,540 |
| 20s | $2,868 |
| 30s | $1,800 |
| 40s | $1,452 |
| 50s | $1,512 |
| 60s | $1,320 |
| 70s | $1,620 |
Average Rates In Laredo- By Vehicle
The type of car you drive has a major impact on your insurance rates. Insurance companies consider factors like the make, model, year, and body style of your vehicle. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, tend to have higher premiums.
Check the table below to find average insurance rates in Laredo for various vehicles.
| Vehicle | Average Monthly Rate |
| Chevrolet Silverado | $145 |
| Nissan Sentra | $418 |
| Ford F150 | $350 |
| Hyundai Kona | $296 |
| Nissan Xterra | $281 |
How Much Is Car Insurance In Other Cities in Texas?
Your location plays a major role in determining your car insurance rates. Insurance companies consider factors such as accident likelihood, theft, and vandalism, all of which tend to be higher in urban areas. This increased risk often leads to higher premiums.
For instance, drivers in San Antonio can expect to pay about $155 per month for car insurance, while those in Spring face an average rate of $172 per month.
| City | Average Monthly Rate |
| San Antonio | $155 |
| Spring | $172 |
| Beaumont | $160 |
| Arlington | $167 |
| Houston | $192 |
| El Paso | $155 |
| Fort Worth | $161 |
| Baytown | $136 |
| Irving | $170 |
| Lubbock | $158 |
Average Cost Of Auto Insurance In Laredo- By Zip Code
Zip codes help insurance companies assess crime rates and other local risks, which is why car insurance rates vary by zip code.
Use the table below to compare average insurance rates for different zip codes in Laredo.
| Zip Code | Average Monthly Rate |
| 78040 | $148 |
| 78041 | $156 |
| 78043 | $201 |
| 78044 | $70 |
| 78045 | $153 |
Find Affordable Laredo Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Laredo, TX.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Laredo?
State Farm offers the most affordable car insurance rates in Laredo, both for the minimum coverage required by the State of Texas and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Laredo?
The average car insurance cost in Laredo is around $108 per month. However, rates can vary depending on factors like your zip code, the year and model of your vehicle, and your driving history.
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