Driving in Laredo, Texas, means sharing the road with heavy commercial traffic, as Port Laredo was the busiest inland port in the United States in 2024. As one of the fastest-growing metro areas in the country, its expanding population adds to congestion on local streets and highways.
With a constant flow of trucks, commuters, and international travelers, road conditions can be unpredictable. Reliable coverage helps keep your finances protected in this rapidly evolving border city.
We’ve gathered quotes from drivers in Laredo to help show you how your age, coverage level and driving history can affect your car insurance rate.
More: Best car insurance in Texas
Cheapest minimum coverage insurance in Laredo
Texas requires drivers to carry these minimum coverages:
- $30,000 of bodily injury per person.
- $60,000 of bodily injury per per accident.
- $25,000 for property damage.
These are the cheapest car insurance quotes for minimum coverage that drivers in Laredo have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $44 | $523 | Progressive | 43 | May 27, 2025 | Laredo, TX | 78046 |
| $44 | $525 | Progressive | 39 | January 23, 2024 | Laredo, TX | 78046 |
| $47 | $561 | Progressive | 66 | July 9, 2024 | Laredo, TX | 78045 |
| $48 | $573 | Progressive | 33 | October 12, 2024 | Laredo, TX | 78045 |
| $49 | $585 | Progressive | 27 | April 12, 2024 | Laredo, TX | 78041 |
| $60 | $723 | Progressive | 42 | April 4, 2024 | Laredo, TX | 78045 |
| $60 | $723 | Commonwealth Insurance | 56 | February 10, 2025 | Laredo, TX | 78040 |
| $61 | $727 | Progressive | 68 | April 23, 2025 | Laredo, TX | 78041 |
| $62 | $745 | Commonwealth Insurance | 28 | May 26, 2025 | Laredo, TX | 78040 |
| $65 | $777 | Progressive | 25 | March 12, 2025 | Laredo, TX | 78043 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Texas
Cheapest full coverage insurance in Laredo
Laredo doesn’t face many natural disasters except for the odd cold snap, but some drivers may opt for full coverage because it includes liability car insurance, collision insurance and comprehensive coverage which can help pay for damages caused by bad weather, collisions, fire, vandalism and theft.
Here are the cheapest quotes for full coverage in Laredo that Jerry customers have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $47 | $561 | Progressive | 66 | July 9, 2024 | Laredo, TX | 78045 |
| $83 | $991 | Progressive | 49 | April 12, 2025 | Laredo, TX | 78045 |
| $92 | $1,105 | Progressive | 56 | August 25, 2024 | Laredo, TX | 78043 |
| $100 | $1,197 | Progressive | 60 | October 13, 2024 | Laredo, TX | 78046 |
| $108 | $1,297 | Bristol West | 35 | September 29, 2024 | Laredo, TX | 78045 |
| $112 | $1,339 | Progressive | 37 | May 14, 2024 | Laredo, TX | 78040 |
| $125 | $1,497 | Progressive | 28 | August 11, 2024 | Laredo, TX | 78046 |
| $128 | $1,535 | Progressive | 28 | February 12, 2025 | Laredo, TX | 78046 |
| $130 | $1,557 | Progressive | 42 | March 23, 2024 | Laredo, TX | 78041 |
| $134 | $1,611 | Bristol West | 33 | April 3, 2025 | Laredo, TX | 78045 |
More: Best car insurance companies
Cheapest car insurance for young drivers in Laredo (18-29 years old)
Young drivers typically pay the highest rates for an auto policy because insurers may perceive them as risky to insure, but premiums tend to lower as you get older. These are the cheapest quotes that drivers in Laredo between 18 and 29 years old have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $49 | $585 | Progressive | 27 | No | April 12, 2024 | Laredo, TX | 78041 |
| $62 | $745 | Commonwealth Insurance | 28 | No | May 26, 2025 | Laredo, TX | 78040 |
| $65 | $777 | Progressive | 25 | No | March 12, 2025 | Laredo, TX | 78043 |
| $77 | $928 | Commonwealth Insurance | 29 | No | March 10, 2025 | Laredo, TX | 78046 |
| $94 | $1,131 | Progressive | 28 | No | May 6, 2025 | Laredo, TX | 78046 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Laredo (30-54 years old)
Mature drivers usually see premiums lower as they gain experience. These are the cheapest quotes that Laredo drivers between 30 and 54 years old have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $44 | $523 | Progressive | 43 | No | May 27, 2025 | Laredo, TX | 78046 |
| $48 | $573 | Progressive | 33 | No | October 12, 2024 | Laredo, TX | 78045 |
| $52 | $629 | Progressive | 39 | No | June 7, 2024 | Laredo, TX | 78046 |
| $60 | $723 | Progressive | 42 | No | April 4, 2024 | Laredo, TX | 78045 |
| $71 | $849 | Progressive | 39 | No | May 11, 2024 | Laredo, TX | 78043 |
Cheapest car insurance for older drivers in Laredo (55+ years old)
Older drivers typically pay the lowest premiums for an auto policy. These are the lowest rates that older drivers in Laredo have been quoted via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $47 | $561 | Progressive | 66 | July 9, 2024 | Laredo, TX | 78045 | Yes |
| $60 | $723 | Commonwealth Insurance | 56 | February 10, 2025 | Laredo, TX | 78040 | No |
| $61 | $727 | Progressive | 68 | April 23, 2025 | Laredo, TX | 78041 | No |
| $75 | $895 | Progressive | 66 | March 28, 2024 | Laredo, TX | 78041 | No |
| $78 | $933 | Progressive | 69 | September 14, 2024 | Laredo, TX | 78046 | No |
Cheapest car insurance for drivers with clean records in Laredo
Drivers who have spotless records — no tickets, insurance claims or violations — typically pay the lowest prices for auto insurance. Here are the cheapest quotes for Laredo drivers with clean records.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $44 | $523 | Progressive | 43 | May 27, 2025 | No | Laredo, TX | 78046 |
| $47 | $561 | Progressive | 66 | July 9, 2024 | Yes | Laredo, TX | 78045 |
| $48 | $573 | Progressive | 33 | October 12, 2024 | No | Laredo, TX | 78045 |
| $49 | $585 | Progressive | 27 | April 12, 2024 | No | Laredo, TX | 78041 |
| $60 | $723 | Commonwealth Insurance | 56 | February 10, 2025 | No | Laredo, TX | 78040 |
Cheapest car insurance for drivers with low credit scores in Laredo
Insurers can use your credit score to help calculate insurance rates in Texas. A low score may lead to higher rates.
Here are the cheapest quotes for drivers in Laredo with credit scores below 550.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $62 | $745 | Commonwealth Insurance | 28 | May 26, 2025 | Laredo, TX | 78040 |
| <550 | $77 | $928 | Commonwealth Insurance | 29 | March 10, 2025 | Laredo, TX | 78046 |
| <550 | $79 | $943 | Commonwealth Insurance | 46 | April 9, 2024 | Laredo, TX | 78043 |
| <550 | $84 | $1,014 | Commonwealth Insurance | 31 | April 8, 2025 | Laredo, TX | 78041 |
| <550 | $90 | $1,083 | Bluefire | 53 | December 12, 2024 | Laredo, TX | 78040 |
Cheapest car insurance for drivers with at-fault accidents in Laredo
An at-fault accident on your record will typically increase your insurance costs. Therefore, it’s wise to compare quotes from multiple insurers to find the lowest premiums. Check out the cheapest quotes for drivers with at-fault accidents on their record in Laredo, based on Jerry’s data.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $75 | $903 | Progressive | 40 | No | May 14, 2025 | Laredo, TX | 78045 |
| At Fault With No Injury | $92 | $1,105 | Progressive | 56 | Yes | August 25, 2024 | Laredo, TX | 78043 |
| At Fault With No Injury | $102 | $1,223 | Commonwealth Insurance | 78 | No | November 20, 2024 | Laredo, TX | 78040 |
| At Fault With No Injury | $110 | $1,316 | Progressive | 34 | No | July 26, 2024 | Laredo, TX | 78046 |
| At Fault With No Injury | $119 | $1,427 | Dairyland | 45 | No | January 3, 2025 | Laredo, TX | 78045 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
