Car Insurance in Laredo, Texas
Estimated full coverage in Laredo runs about $1,925 a year ($161/month) — ▲ +2% versus the Texas average, ranking 35th most expensive of the 57 Texas cities we cover.
Why car insurance in Laredo costs more than the Texas average
Insurers price by territory, and Laredo's numbers explain most of the gap. With 261,260 residents on 109.1 square miles, the city's density (2,395 people per square mile) is 3.6 times the density where the typical Texas resident lives (670). The average commute is 21.6 minutes (Texas: 26.7), and 79% of workers drive alone. Together these put our location factor at 1.02× the state baseline for liability and collision, and 1.00× for comprehensive once FEMA weather risk for Webb County is included.
| Factor | Laredo | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 2,395 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 21.6 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.7% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 79.2% | — | Share of workers commuting by car. |
| Public transit to work | 0.7% | — | Transit use lowers how much residents drive. |
| Work from home | 5.9% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 6.6% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 79.8 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Laredo
Rates can change from one ZIP code to the next. Across 5 Laredo ZIP codes, our full-coverage estimate ranges from $1,640 in 78045 to $1,990 in 78040. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 78046 | 72,951 | 398 | 28.5 min | 4.6% | $1,860 | −3% |
| 78045 | 67,333 | 102 | 19.5 min | 2.3% | $1,640 | −15% |
| 78041 | 46,550 | 2,672 | 18.1 min | 7.8% | $1,885 | −2% |
| 78043 | 45,760 | 258 | 22.0 min | 6.4% | $1,730 | −10% |
| 78040 | 35,709 | 5,664 | 20.2 min | 16.2% | $1,990 | +3% |
Minimum car insurance in Laredo
Laredo drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Laredo at $710 a year, and $985 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Laredo premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Webb County as relatively moderate for hail, relatively moderate for inland flooding and relatively moderate for strong wind, and relatively moderate for hurricanes.
Traffic & commuting
4.7% of Laredo commuters spend an hour or more getting to work, and there are 1.94 vehicles per household. 5.9% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 89.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 76.9 | Comprehensive; dwelling | |
| Hurricane | 85.7 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 91.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 55.5 | Comprehensive; dwelling | |
| Winter weather | 77.9 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Laredo by driver profile
A clean-record driver in their 50s pays the least in our Laredo model (about $1,775 for full coverage); an 18-year-old on their own policy pays about $5,300, and a DUI pushes a 30-something to $3,565.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,945 | $2,715 | $5,300 | $442 |
| Young adult (22) | $1,130 | $1,580 | $3,085 | $257 |
| Adult in their 30s | $710 | $985 | $1,925 | $160 |
| Adult in their 50s | $650 | $910 | $1,775 | $148 |
| Senior (72) | $795 | $1,105 | $2,160 | $180 |
| 30s, one at-fault accident | $1,025 | $1,430 | $2,795 | $233 |
| 30s, DUI on record | $1,310 | $1,825 | $3,565 | $297 |
Minimum vs. standard vs. full coverage in Laredo
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $710 | $59 | $580–$835 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $985 | $82 | $810–$1,165 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,925 | $161 | $1,580–$2,275 |
Estimate your premium in Laredo
Runs in your browser — nothing you enter is stored or sent to insurers.
Cheap car insurance in Laredo: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Laredo's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $130 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $135 | You're among the 5.9% of Laredo workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $520 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $940 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $425 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Laredo
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 29 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Laredo, our estimates differ by up to $350 a year between neighborhoods.
Car insurance agents near Laredo, TX
We found 29 insurance offices within about 8 miles of central Laredo, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Anabella R Herbig - State Farm
315 Calle Del Norte, Suite 103, Laredo, TX 78041 -
Cynthia Cardenas - Farmers Insurance
6909 Springfield Ave, Laredo, TX 78041 -
Mike Cortez - Allstate
201 W Del Mar Blvd, Ste 16, Laredo, TX 78041 -
Raul Patino - State Farm
5901 McPherson, Suite 6B, Laredo, TX 78041 -
Carlos Nunez - Farmers Insurance
6423 Mcpherson Rd, Laredo, TX 78041 -
Hector Dominguez - Allstate
709 Alta Vista Dr, Ste 101, Laredo, TX 78041 -
Ubaldo Granados - Farmers Insurance
709 Alta Vis Dr, Laredo, TX 78041 -
Jorge Monsivais - Allstate
6999 Mcpherson Rd, Ste 103a, Laredo, TX 78041 -
Pedro Antonio Ramos - Farmers Insurance
1619 Jacaman Rd, Laredo, TX 78041 -
Delhia Judith Baber - Farmers Insurance
7110 Rocio Dr, Laredo, TX 78041 -
Priscilla Lee Navarro - Farmers Insurance
620 W Calton Rd, Laredo, TX 78041 -
Gerardo Antonio Garza - Farmers Insurance
709 E Calton Rd, Laredo, TX 78041 -
Luis Estrada - State Farm
1705 East Del Mar, Suite A110, Laredo, TX 78041 -
Jorge A Monsivais - Allstate
414 Shiloh Dr, Unit 1, Laredo, TX 78045 -
Maritza Lizette Benavides - Farmers Insurance
8610 Mcpherson Rd, Laredo, TX 78045 -
Kike Trevino - State Farm
517 Shiloh Drive, Ste 4, Laredo, TX 78045 -
Rene A Benavides - Farmers Insurance
8218 Casa Verde Rd, Laredo, TX 78041 -
Powell Watson Insurance Group LLC
6324 Bob Bullock Loop, Laredo, TX 78041 -
Herman Dominguez - State Farm
3120 N Arkansas Avenue, Laredo, TX 78043 -
Freeway Insurance
2305 N Arkansas Ave, Laredo, TX 78043 -
Pronto Insurance
TX -
Sergio Leyva - Allstate
2107 Shiloh Dr, Ste A08, Laredo, TX 78045 -
Araceli Ramos - Allstate
1202 Guadalupe St, Laredo, TX 78040 -
Allstate
TX -
Jimmy Campana-Lopez - Farmers Insurance
719 Chihuahua St, Laredo, TX 78040 -
Luis Rodolfo Cardenas - Farmers Insurance
201 N Meadow Ave, Laredo, TX 78040 -
Edgar Omar Gonzalez - Farmers Insurance
3210 Jaime Zapata Memorial Hwy, Laredo, TX 78043 -
Josue Arnulfo Carrillo - Farmers Insurance
4205 Jaime Zapata Memorial Hwy, Laredo, TX 78043 -
Fred Loya Insurance
TX
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Laredo
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,445 | −25% |
| Subaru Outback | Wagon | $1,450 | −25% |
| Tesla Model 3 | Midsize car | $2,010 | +4% |
| Subaru Forester | Small SUV | $1,420 | −26% |
| Honda Civic | Compact car | $2,175 | +13% |
| Toyota Corolla | Compact car | $2,040 | +6% |
| Jeep Wrangler | Midsize SUV | $1,580 | −18% |
| Mazda CX-5 | Small SUV | $1,620 | −16% |
| MINI Cooper | Subcompact car | $1,455 | −24% |
| Tesla Model Y | Midsize SUV | $1,805 | −6% |
More car insurance topics in Laredo
Car insurance in nearby Texas cities
- Edinburg $1,945/yr · 119 mi
- McAllen $1,950/yr · 120 mi
- Corpus Christi $1,910/yr · 128 mi
- San Antonio $2,020/yr · 144 mi
- Harlingen $1,840/yr · 145 mi
- Brownsville $1,880/yr · 168 mi
- New Braunfels $2,040/yr · 170 mi
- Victoria $1,850/yr · 176 mi
- San Marcos $1,950/yr · 185 mi
- Austin $2,005/yr · 216 mi
- Round Rock $2,035/yr · 233 mi
- Georgetown $2,015/yr · 240 mi
All Texas cities and state rules · Homeowners insurance in Laredo
Frequently asked questions
How much is car insurance in Laredo, TX?
We estimate full coverage in Laredo at about $1,925 a year ($161 a month) for a driver in their 30s with a clean record, and about $710 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Laredo more expensive than the Texas average?
Our Laredo estimate is 2% higher than the statewide figure. The model reflects a population density of 2,395 people per square mile (the typical Texas resident lives at about 670) and an average commute of 21.6 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Laredo?
Drivers in Laredo follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Laredo has the cheapest car insurance?
Among Laredo's 5 ZIP codes, 78045 has the lowest estimate (about $1,640 a year for full coverage) and 78040 the highest (about $1,990), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Laredo?
An 18-year-old with their own full-coverage policy would pay around $5,300 a year in Laredo by our estimate ($1,945 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Laredo?
FEMA's National Risk Index does not rate Webb County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Laredo?
We list 29 insurance offices in and around Laredo, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Laredo and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places