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 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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $25 | $304 | Geico | 38 | August 6, 2025 | Laredo, TX | 78043 |
| $41 | $490 | Bluefire | 38 | June 14, 2025 | Laredo, TX | 78045 |
| $48 | $577 | Bristol West | 37 | July 27, 2025 | Laredo, TX | 78041 |
| $49 | $584 | Geico | 24 | August 8, 2025 | Laredo, TX | 78046 |
| $52 | $624 | Bluefire | 45 | June 25, 2025 | Laredo, TX | 78043 |
| $54 | $645 | Progressive | 34 | June 30, 2025 | Laredo, TX | 78046 |
| $56 | $674 | Safeco | 40 | June 18, 2025 | Laredo, TX | 78043 |
| $60 | $722 | Clearcover | 44 | June 26, 2025 | Laredo, TX | 78045 |
| $60 | $723 | Commonwealth Insurance | 30 | June 21, 2025 | Laredo, TX | 78040 |
| $60 | $725 | Bluefire | 32 | April 2, 2025 | Laredo, TX | 78045 |
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $73 | $877 | Progressive | 42 | June 20, 2025 | Laredo, TX | 78045 |
| $86 | $1,026 | Geico | 27 | March 30, 2025 | Laredo, TX | 78045 |
| $93 | $1,116 | Clearcover | 45 | April 26, 2025 | Laredo, TX | 78040 |
| $96 | $1,152 | Electric | 45 | June 25, 2025 | Laredo, TX | 78045 |
| $97 | $1,158 | Electric | 39 | May 6, 2025 | Laredo, TX | 78046 |
| $102 | $1,221 | Bristol West | 41 | June 19, 2025 | Laredo, TX | 78045 |
| $103 | $1,231 | Bristol West | 45 | June 25, 2025 | Laredo, TX | 78043 |
| $103 | $1,235 | Progressive | 31 | May 13, 2025 | Laredo, TX | 78041 |
| $122 | $1,460 | Commonwealth Insurance | 41 | May 3, 2025 | Laredo, TX | 78041 |
| $122 | $1,469 | The General | 68 | April 8, 2025 | Laredo, TX | 78041 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $49 | $584 | Geico | 24 | No | August 8, 2025 | Laredo, TX | 78046 |
| $75 | $896 | Commonwealth Insurance | 28 | No | May 6, 2025 | Laredo, TX | 78046 |
| $83 | $995 | Dairyland | 21 | No | August 4, 2025 | Laredo, TX | 78045 |
| $86 | $1,026 | Geico | 27 | Yes | March 30, 2025 | Laredo, TX | 78045 |
| $92 | $1,109 | National General | 27 | No | June 30, 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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $25 | $304 | Geico | 38 | No | August 6, 2025 | Laredo, TX | 78043 |
| $52 | $624 | Bluefire | 45 | No | June 25, 2025 | Laredo, TX | 78043 |
| $54 | $645 | Progressive | 34 | No | June 30, 2025 | Laredo, TX | 78046 |
| $60 | $723 | Commonwealth Insurance | 30 | No | June 21, 2025 | Laredo, TX | 78040 |
| $60 | $725 | Bluefire | 32 | No | April 2, 2025 | Laredo, TX | 78045 |
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 Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $93 | $1,114 | Clearcover | 68 | April 8, 2025 | Laredo, TX | 78041 | No |
| $132 | $1,583 | Mendota | 63 | March 10, 2025 | Laredo, TX | 78041 | Yes |
| $158 | $1,897 | Bristol West | 63 | June 3, 2025 | Laredo, TX | 78041 | Yes |
| $179 | $2,151 | Progressive | 58 | April 26, 2025 | Laredo, TX | 78046 | Yes |
| $180 | $2,163 | Liberty Mutual | 63 | February 25, 2025 | Laredo, TX | 78041 | Yes |
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 Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $52 | $624 | Bluefire | 45 | June 25, 2025 | No | Laredo, TX | 78043 |
| $54 | $645 | Progressive | 34 | June 30, 2025 | No | Laredo, TX | 78046 |
| $60 | $723 | Commonwealth Insurance | 30 | June 21, 2025 | No | Laredo, TX | 78040 |
| $60 | $725 | Bluefire | 32 | April 2, 2025 | No | Laredo, TX | 78045 |
| $69 | $829 | Bristol West | 42 | June 20, 2025 | No | Laredo, TX | 78045 |
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 | $79 | $943 | Commonwealth Insurance | 46 | April 9, 2024 | Laredo, TX | 78043 |
| <550 | $114 | $1,369 | The General | 53 | December 12, 2024 | Laredo, TX | 78040 |
| <550 | $128 | $1,533 | Progressive | 28 | July 16, 2025 | Laredo, TX | 78045 |
| <550 | $130 | $1,557 | Progressive | 42 | March 23, 2024 | Laredo, TX | 78041 |
| <550 | $130 | $1,563 | Progressive | 29 | March 10, 2025 | Laredo, TX | 78046 |
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 | $110 | $1,316 | Progressive | 34 | No | July 26, 2024 | Laredo, TX | 78046 |
| At Fault With No Injury | $113 | $1,357 | National General | 45 | No | January 3, 2025 | Laredo, TX | 78045 |
| At Fault With No Injury | $129 | $1,553 | Bristol West | 29 | No | February 28, 2025 | Laredo, TX | 78046 |
| At Fault With No Injury | $159 | $1,911 | Gainsco | 78 | No | November 20, 2024 | Laredo, TX | 78040 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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.
