Cheap Car Insurance in Laredo, TX (November 2025)

Written by Xuyun Zeng and 2 others

Updated Nov 6, 2025

Cheap Car Insurance in Laredo, TX (November 2025)

The right car insurance policy is a must-have for drivers in the fast-growing city of Laredo.

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Written by Xuyun Zeng and 2 others

Updated Nov 6, 2025

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.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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

Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

$44	$529	41	06/19/25	78045
$67	$805	38	06/15/25	78045
$73	$870	28	05/17/25	78040
$81	$971	46	09/20/25	78046
$85	$1,018	31	09/19/25	78043
$89	$1,067	39	09/08/25	78046
$99	$1,188	41	06/19/25	78046
$102	$1,222	28	10/07/25	78046
$103	$1,240	48	10/02/25	78046
$107	$1,278	40	06/18/25	78043

Last Updated Nov. 6, 2025

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

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$22	$265	25	No	05/15/25	78043
$54	$642	25	No	08/27/25	78043
$54	$644	29	No	09/15/25	78041
$74	$888	25	No	10/29/25	78040
$76	$912	22	No	09/09/25	78040
$89	$1,067	39		09/08/25	78046
$99	$1,188	41		06/19/25	78046
$102	$1,222	28		10/07/25	78046
$103	$1,240	48		10/02/25	78046
$107	$1,278	40		06/18/25	78043

Last Updated Nov. 6, 2025

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

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$39	$468	45	No	10/21/25	78045
$46	$546	37	No	06/13/25	78045
$51	$606	44	No	06/26/25	78045
$52	$628	45	No	06/25/25	78045
$54	$646	38	No	08/06/25	78043
$89	$1,067	39		09/08/25	78046
$99	$1,188	41		06/19/25	78046
$102	$1,222	28		10/07/25	78046
$103	$1,240	48		10/02/25	78046
$107	$1,278	40		06/18/25	78043

Last Updated Nov. 6, 2025

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

Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code	Has Full Coverage

$84	$1,002	70	08/24/25	78041	No
$96	$1,147	56	05/25/25	78043	No
$117	$1,400	63	09/27/25	78040	Yes
$129	$1,549	68	06/03/25	78041	Yes
$130	$1,560	68	08/05/25	78043	Yes
$89	$1,067	39	09/08/25	78046
$99	$1,188	41	06/19/25	78046
$102	$1,222	28	10/07/25	78046
$103	$1,240	48	10/02/25	78046
$107	$1,278	40	06/18/25	78043

Last Updated Nov. 6, 2025

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

Monthly Quote	Annual Quote	Age	Date of Quote	Has Full Coverage	ZIP Code

$22	$265	25	05/15/25	No	78043
$39	$468	45	10/21/25	No	78045
$46	$546	37	06/13/25	No	78045
$51	$606	44	06/26/25	No	78045
$52	$628	45	06/25/25	No	78045
$89	$1,067	39	09/08/25		78046
$99	$1,188	41	06/19/25		78046
$102	$1,222	28	10/07/25		78046
$103	$1,240	48	10/02/25		78046
$107	$1,278	40	06/18/25		78043

Last Updated Nov. 6, 2025

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

Credit Score	Monthly Quote	Annual Quote	Age	Date of Policy	ZIP Code

<550	$104	$1,243	26	02/04/25	78046
	$39	$468	45		78045
	$46	$546	37		78045
	$51	$606	44		78045
	$52	$628	45		78045
	$89	$1,067	39		78046
	$99	$1,188	41		78046
	$102	$1,222	28		78046
	$103	$1,240	48		78046
	$107	$1,278	40		78043

Last Updated Nov. 7, 2025

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 Accident on Record	Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Policy	ZIP Code

At Fault With No Injury	$75	$903	40	No	05/16/25	78045
	$39	$468	45	No		78045
	$46	$546	37	No		78045
	$51	$606	44	No		78045
	$52	$628	45	No		78045
	$89	$1,067	39			78046
	$99	$1,188	41			78046
	$102	$1,222	28			78046
	$103	$1,240	48			78046
	$107	$1,278	40			78043

Last Updated Nov. 7, 2025

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.

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Our experts

Xuyun Zeng

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 Millerbernd

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.

^†Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.