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.
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 quotes for minimum coverage that drivers in Laredo have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $47 | $561 | Progressive | 66 | July 8, 2024 | Laredo, TX | 78045 |
| $47 | $561 | Progressive | 66 | July 9, 2024 | Laredo, TX | 78045 |
| $49 | $585 | Progressive | 27 | April 12, 2024 | Laredo, TX | 78041 |
| $57 | $685 | Progressive | 68 | May 4, 2025 | Laredo, TX | 78041 |
| $57 | $687 | Progressive | 33 | April 1, 2025 | 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 | $748 | Commonwealth Insurance | 56 | September 30, 2024 | Laredo, TX | 78040 |
| $62 | $748 | Commonwealth Insurance | 56 | September 21, 2024 | Laredo, TX | 78040 |
| $63 | $750 | Commonwealth Insurance | 38 | January 3, 2024 | Laredo, TX | 78041 |
If you have a loan or lease on your vehicle, the lender will require
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, collision and comprehensive coverages 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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $47 | $561 | Progressive | 66 | July 8, 2024 | Laredo, TX | 78045 |
| $47 | $561 | Progressive | 66 | July 9, 2024 | Laredo, TX | 78045 |
| $57 | $685 | Progressive | 68 | May 4, 2025 | Laredo, TX | 78041 |
| $57 | $687 | Progressive | 33 | April 1, 2025 | Laredo, TX | 78045 |
| $65 | $776 | Progressive | 49 | April 12, 2025 | Laredo, TX | 78045 |
| $82 | $981 | Bristol West | 33 | April 3, 2025 | Laredo, TX | 78045 |
| $95 | $1,145 | Progressive | 35 | September 29, 2024 | Laredo, TX | 78045 |
| $108 | $1,297 | Bristol West | 35 | September 29, 2024 | Laredo, TX | 78045 |
| $111 | $1,327 | Progressive | 23 | February 25, 2025 | Laredo, TX | 78043 |
| $127 | $1,525 | Progressive | 31 | November 6, 2024 | Laredo, TX | 78041 |
Compare: The cheapest car insurance in Texas
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.
|
Avg Monthly Quote
|
Avg 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 |
| $65 | $777 | Progressive | 25 | No | March 12, 2025 | Laredo, TX | 78043 |
| $77 | $928 | Commonwealth Insurance | 29 | No | March 10, 2025 | Laredo, TX | 78046 |
| $86 | $1,029 | Commonwealth Insurance | 25 | No | January 17, 2025 | Laredo, TX | 78040 |
| $87 | $1,041 | Commonwealth Insurance | 28 | No | February 29, 2024 | Laredo, TX | 78046 |
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $57 | $687 | Progressive | 33 | Yes | April 1, 2025 | Laredo, TX | 78045 |
| $63 | $750 | Commonwealth Insurance | 38 | No | December 21, 2023 | Laredo, TX | 78041 |
| $63 | $750 | Commonwealth Insurance | 38 | No | January 3, 2024 | Laredo, TX | 78041 |
| $64 | $769 | Progressive | 31 | No | February 12, 2025 | Laredo, TX | 78041 |
| $65 | $776 | Progressive | 49 | Yes | April 12, 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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $47 | $561 | Progressive | 66 | July 8, 2024 | Laredo, TX | 78045 | Yes |
| $47 | $561 | Progressive | 66 | July 9, 2024 | Laredo, TX | 78045 | Yes |
| $57 | $685 | Progressive | 68 | May 4, 2025 | Laredo, TX | 78041 | Yes |
| $60 | $723 | Commonwealth Insurance | 56 | February 10, 2025 | Laredo, TX | 78040 | No |
| $61 | $727 | Progressive | 68 | April 23, 2025 | Laredo, TX | 78041 | 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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $47 | $561 | Progressive | 66 | July 8, 2024 | Yes | Laredo, TX | 78045 |
| $47 | $561 | Progressive | 66 | July 9, 2024 | Yes | Laredo, TX | 78045 |
| $49 | $585 | Progressive | 27 | April 12, 2024 | No | Laredo, TX | 78041 |
| $57 | $685 | Progressive | 68 | May 4, 2025 | Yes | Laredo, TX | 78041 |
| $57 | $687 | Progressive | 33 | April 1, 2025 | Yes | 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
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <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 |
| <550 | $93 | $1,113 | Progressive | 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
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $92 | $1,101 | Aspen | 52 | No | November 25, 2023 | Laredo, TX | 78046 |
| At Fault With No Injury | $98 | $1,181 | Commonwealth Insurance | 52 | No | November 25, 2023 | Laredo, TX | 78046 |
| At Fault With No Injury | $99 | $1,183 | Bristol West | 52 | No | November 25, 2023 | Laredo, TX | 78046 |
| 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 |
Cheapest car insurance for drivers with speeding tickets in Laredo
If you’ve received a speeding ticket, your insurance bill will likely rise. It’s wise to compare various quotes from multiple insurers before your policy renews to get the cheapest rates possible.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $92 | $1,101 | Aspen | 52 | November 25, 2023 | Laredo, TX | 78046 |
| Speeding under 15 | $98 | $1,181 | Commonwealth Insurance | 52 | November 25, 2023 | Laredo, TX | 78046 |
| Speeding under 15 | $99 | $1,183 | Bristol West | 52 | November 25, 2023 | Laredo, TX | 78046 |
| Speeding over 15 | $223 | $2,680 | Electric | 25 | October 8, 2024 | Laredo, TX | 78046 |
| Speeding over 15 | $250 | $3,003 | Bristol West | 47 | April 28, 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 and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
