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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers in Laredo, Texas, pay a monthly average of $158 for car insurance. Laredo’s rate is lower than the Texas average but still higher than the national average. Texas is prone to severe weather events, which could explain the city’s higher-than-average rates.[1]
Fortunately, some insurers offer cheaper rates, including State Farm, Mile Auto, and Allstate, with rates starting as low as $55 per month.
The article below explores low-cost insurance options for different types of Laredo drivers and provides tips on choosing the right company and saving on your auto coverage.
Laredo drivers pay an average of $122 per month for liability insurance and $195 per month for full coverage.
State Farm, Nationwide, and Mile Auto offer some of the cheapest average rates in Laredo.
Texas law requires drivers to buy minimum amounts of bodily injury and property damage liability insurance to drive legally.
Averages only scratch the surface. There’s so more to insurance costs. You might find companies offering higher or lower rates, depending on where you look.
Several auto insurers offer rates below the citywide average. Here’s a look at the cheapest car insurance companies in Laredo, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $55 |
| Mile Auto | $68 |
| Allstate | $78 |
| GEICO | $97 |
| USAA | $98 |
| Progressive | $101 |
| Mercury | $102 |
| Dairyland | $114 |
| Root | $114 |
| The General | $114 |
| Bristol West | $117 |
| AssuranceAmerica | $124 |
| Commonwealth Casualty | $124 |
| Nationwide | $124 |
| Clearcover | $128 |
| Safeco | $130 |
| GAINSCO | $131 |
| Direct Auto | $141 |
| National General | $144 |
| Elephant | $150 |
| Chubb | $167 |
| 21st Century | $194 |
| Liberty Mutual | $244 |
Below, we’ll discuss some of the cheapest car insurers for different driver demographics and coverage needs.
Getting quotes from the insurers above could help as you start to compare coverage options. But remember that your personal insurance rates will vary depending on your driving record, age, address, and other factors. You might find you’re able to get more affordable coverage elsewhere.
Let’s take a look at the cheapest insurers in Laredo for different drivers and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $55 |
| Full coverage | State Farm | $91 |
| Teens | State Farm | $110 |
| Seniors | State Farm | $43 |
| Drivers with a speeding ticket | State Farm | $68 |
| Drivers with an at-fault accident | State Farm | $71 |
| Drivers with a DUI | State Farm | $76 |
| Drivers with excellent credit | State Farm | $46 |
| Drivers with poor credit | State Farm | $79 |
Comparing quotes can save you up to $867.†
Laredo drivers pay an average of $122 per month for state-minimum coverage. Liability insurance may meet minimum coverage requirements in Texas, but it’s often not enough coverage if you get into a serious accident and your vehicle needs a lot of repairs.
But if you only need liability insurance, the chart below shows the five cheapest insurers in Laredo for state-minimum coverage, according to Compare.com data.
Full coverage is a good alternative to liability-only insurance for drivers seeking more protection. And if you lease or finance your car, your lender will likely require this added protection.
A full-coverage policy includes liability coverage in addition to collision and comprehensive coverage. It can also include uninsured/underinsured motorist or personal injury protection (PIP).
The monthly average rate for full-coverage insurance in Laredo is $195. Even though full coverage is more expensive than minimum coverage, several insurers may offer policies for close to what you’d pay for liability coverage.
Here are companies that offer the most affordable full-coverage rates in Laredo, according to Compare.com data.
If you’re a teen driver shopping for car insurance, you should know that teens typically pay the highest rates. Unfortunately, young drivers are more prone to risky behaviors such as speeding.[2]
Laredo teens pay a monthly average of $312 for car insurance. But it’s possible to find a better rate if you shop around. The chart below shows the five cheapest insurers for Laredo teens, according to Compare.com data.
Older drivers typically pay the lowest car insurance rates of any age group. Seniors often drive fewer miles and avoid nighttime driving, which could account for the cheaper coverage.[3] In Laredo, seniors pay an average of $134 per month for car insurance, according to our data.
Even with already low rates, seniors can get even cheaper coverage. The following insurers offer the most affordable average monthly rates for seniors in Laredo, according to Compare.com data.
A speeding ticket can mean higher insurance rates for Laredo drivers. Insurers view speeding as a high-risk activity, which often results in more expensive insurance. Nationwide, a single ticket increased rates by an average of 36%, according to our data.
$191 offers the cheapest rates in Laredo if you’ve recently received a speeding ticket. But you can likely get a lower rate from several companies.
The chart below shows the five cheapest insurers for Laredo drivers after a speeding ticket, according to our data.
Car accidents can affect your rates more than a speeding ticket. One at-fault accident causes car insurance rates to increase by 40% nationwide, according to Compare.com data.
Laredo drivers pay an average of $204 per month after an accident, but you could find a better deal on coverage. The five insurers below offer the cheapest car insurance in Laredo if you have an accident on your record, according to Compare.com data.
Worse than a ticket or accident, drivers with a driving under the influence (DUI) conviction typically pay the highest insurance rates. Our data shows that car insurance rates increase by 61% nationwide after a DUI. Laredo drivers with a DUI pay an average of $204 per month for car insurance, according to Compare.com data.
If you’re shopping for new coverage after a DUI, here are the five insurers with the most affordable average monthly rates, according to our research.
Car insurance companies may also review your credit history to help calculate your rates. Insurance companies view drivers with poor credit as more likely to file car insurance claims than drivers with good credit.[4] In fact, drivers with poor credit pay 20% more for insurance than those with excellent credit.
In Laredo, drivers with bad credit pay a monthly average of $198 for car insurance. But some companies don’t factor in your credit when determining your premiums.
Here are five insurers that offer affordable rates in Laredo, regardless of your credit status, according to Compare.com data.
One insurance company won’t be the best choice for every driver in Laredo. The best insurer for you will depend on your unique situation, including your address, age, driving record, credit history, and other factors.
That’s why we’ve done the research to get you started. Below are our top picks for car insurance companies in Laredo. Each stands out for a combination of factors, including affordable rates, customer satisfaction, and coverage flexibility.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $59/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers some of the cheapest rates we found, making it a great option for Laredo drivers who want to save on their car insurance. In addition to affordable rates, it also has high customer satisfaction and offers ample discounts that could lower your costs even further.
But State Farm’s online quote process is a bit complicated, and it doesn’t offer accident forgiveness or gap insurance. Despite this, it’s worth getting a quote to compare costs.
Above-average customer satisfaction rating[5]
Many discounts available
Many local agents
Accident forgiveness not available
Complicated online quote process
Gap insurance not available
| User Reviews | 3.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $132/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $224/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide is our top pick — especially because of its excellent customer satisfaction. It ranks first in the J.D. Power 2025 U.S. Auto Insurance Study for Texas. In addition to its excellent reputation among customers, Nationwide offers several coverage options and perks like accident forgiveness.
But it offers fewer discounts than some of its competitors, and its rates aren’t as low as some competitors. Still, Nationwide i’s worth a look if you appreciate good customer service.
Accident forgiveness available
High customer satisfaction rating
Several coverage options
Discounts vary by state
Fewer discounts than some competitors
Higher rates than some competitors
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $149/mo |
If you’re a low-mileage Laredo driver, Mile Auto could be worth a look. This nontraditional insurer lets you pay per mile driven, which could significantly reduce your car insurance costs. And unlike many other pay-per-mile options, you won’t need to add a tracking device to your car with this insurer.
Overall, Mile Auto could be a good option if you don’t drive often — just be wary of its mixed customer reviews.
Flexible auto coverage
No data tracking
Cheap rates for low-mileage drivers
Mixed customer reviews[6]
Unclear if you can file claims online
No bundling discount
Local rates start as low as $55 per month.
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Texas requires all drivers to meet state minimums for car insurance. You’ll need to buy the following coverages:
Bodily injury liability insurance: $30,000 per person and $60,000
Property damage liability insurance: $25,000 per accident[7]
Failing to meet the state’s requirements can leave you facing fines, vehicle impoundment, and other penalties. Insurers must offer you personal injury protection and uninsured motorist coverage, but you can decline in writing if you don’t want it.
Minimum coverage is often affordable, but it’s typically not enough protection, no matter where you live. A liability-only policy won’t cover damages if you get into a car crash with extensive damage and serious injuries.
Consider buying comprehensive and collision coverage. The Texas Department of Insurance (TDI) recommends it, and most lenders require it if you have a car loan or lease. You may also want to talk with an agent about uninsured/underinsured motorist and PIP coverage to ensure you have the most protection.
If you still have questions about Laredo car insurance, we’ve got you covered. Here are answers to the most common questions drivers ask.
Car insurance costs an average of $158 per month in Laredo, according to Compare.com data. Full-coverage policies cost around $195 per month, while drivers pay about $122 per month for liability insurance.
The cheapest insurer in Laredo is State Farm, with an average monthly rate of $55, according to Compare.com data.
Not really. Laredo drivers pay an average rate of $158, which isn’t too much higher than the national average of $137, according to our research. Keep in mind that your actual car insurance rate will depend on several factors, including your address, driving record, age, credit, and more.
Car insurance is relatively expensive in Texas likely because many people live in densely populated areas like Houston, Dallas, and San Antonio.[8] Severe weather events are also relatively common in Texas, which could account for the higher car insurance rates.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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