Cheap Car Insurance in Laredo, TX (May 2025)

Written by Xuyun Zeng and 2 others
Updated Mar 11, 2025
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Cheap Car Insurance in Laredo, TX (May 2025)

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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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$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
$61 $727 Progressive 68 April 23, 2025 Laredo, TX 78041
$63 $750 Commonwealth Insurance 38 January 3, 2024 Laredo, TX 78041
$65 $777 Progressive 25 March 12, 2025 Laredo, TX 78043
$66 $797 Aspen 63 January 4, 2024 Laredo, TX 78040
$74 $891 Aspen 38 June 18, 2024 Laredo, TX 78045
$75 $899 Progressive 53 February 6, 2025 Laredo, TX 78040
$77 $928 Commonwealth Insurance 29 March 10, 2025 Laredo, TX 78046
Last Updated May 26, 2025

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.

Find affordable car insurance in minutes.

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$47 $561 Progressive 66 July 9, 2024 Laredo, TX 78045
$57 $685 Progressive 68 May 4, 2025 Laredo, TX 78041
$64 $769 Progressive 49 April 12, 2025 Laredo, TX 78045
$82 $981 Bristol West 33 April 3, 2025 Laredo, TX 78045
$108 $1,297 Bristol West 35 September 29, 2024 Laredo, TX 78045
$130 $1,557 Progressive 42 March 23, 2024 Laredo, TX 78041
$136 $1,637 Progressive 25 April 24, 2025 Laredo, TX 78045
$142 $1,702 Progressive 44 April 17, 2025 Laredo, TX 78046
$168 $2,013 Progressive 25 May 15, 2025 Laredo, TX 78043
$175 $2,099 Bristol West 39 January 4, 2025 Laredo, TX 78041
Last Updated May 26, 2025

Learn more: 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.

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
$65 $777 Progressive 25 No March 12, 2025 Laredo, TX 78043
$77 $928 Commonwealth Insurance 29 No March 10, 2025 Laredo, TX 78046
$91 $1,089 Commonwealth Insurance 21 No January 23, 2025 Laredo, TX 78045
$102 $1,223 Commonwealth Insurance 24 No June 3, 2024 Laredo, TX 78041
Last Updated May 26, 2025

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
$63 $750 Commonwealth Insurance 38 No January 3, 2024 Laredo, TX 78041
$64 $769 Progressive 49 Yes April 12, 2025 Laredo, TX 78045
$74 $891 Aspen 38 No June 18, 2024 Laredo, TX 78045
$75 $899 Progressive 53 No February 6, 2025 Laredo, TX 78040
$79 $943 Commonwealth Insurance 46 No April 9, 2024 Laredo, TX 78043
Last Updated May 26, 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 Policy
City, State
ZIP Code
Has Full Coverage
$47 $561 Progressive 66 July 9, 2024 Laredo, TX 78045 Yes
$57 $685 Progressive 68 May 4, 2025 Laredo, TX 78041 Yes
$61 $727 Progressive 68 April 23, 2025 Laredo, TX 78041 No
$66 $797 Aspen 63 January 4, 2024 Laredo, TX 78040 No
$78 $933 Progressive 69 September 14, 2024 Laredo, TX 78046 No
Last Updated May 26, 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 Policy
Has Full Coverage
City, State
ZIP Code
$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
$61 $727 Progressive 68 April 23, 2025 No Laredo, TX 78041
$63 $750 Commonwealth Insurance 38 January 3, 2024 No Laredo, TX 78041
Last Updated May 26, 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
<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 $99 $1,191 Progressive 31 April 8, 2025 Laredo, TX 78041
<550 $108 $1,297 Bristol West 35 September 29, 2024 Laredo, TX 78045
<550 $114 $1,369 The General 53 December 12, 2024 Laredo, TX 78040
Last Updated May 26, 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 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 $142 $1,702 Progressive 44 Yes April 17, 2025 Laredo, TX 78046
At Fault With No Injury $179 $2,153 Progressive 22 No February 15, 2025 Laredo, TX 78045
At Fault With No Injury $183 $2,195 Progressive 34 Yes January 31, 2024 Laredo, TX 78041
Last Updated May 26, 2025

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.

MEET OUR EXPERTS
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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.

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Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 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.