Laredo Auto Insurance Rates, Quotes, Agents & Reviews in TX

Laredo, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Laredo, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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How to Save on Car Insurance in Laredo, TX

The average cost of auto insurance in Laredo, TX, is $1,414. This cost is much lower than that of neighboring places such as San Carlos II, Los Altos, and Tanquesitos South Acres II. The cost of auto insurance depends on numerous factors ranging from the make and model of the car to the age of the driver. It is essential to compare multiple quotes before arriving at the one that best suits one’s coverage needs. The cost of auto insurance can also vary from one neighborhood to another. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes in Laredo.



Deductibles are one of the most common factors affecting the cost of auto insurance. Opting for a higher deductible will help in improving savings. For instance, in Laredo, the cost of auto insurance for a higher deductible ($1,000) is $1,257, while it is $1,488 for a low deductible ($500).

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

Driving violations can lead to a massive increase in the cost of auto insurance and can also have a long-term impact on insurance rates. For instance, post-DUI, the cost of auto insurance in Laredo, TX, goes up to $2,201. Other violations that can prove to be expensive include driving with an expired/suspended license, speeding, and driving a vehicle without the required permission. These violations lead to an increase of $953, $346, and $440 respectively. Being a good driver can ultimately help in reducing the cost of auto insurance.


Factors that can influence the cost of car insurance in Laredo, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Laredo, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Laredo, TX with that of other cities in and around Laredo.

Laredo Tanquecitos South Acres San Carlos II Los Altos Tanquecitos South Acres II Laredo Ranchettes West
Average Insurance Rates $1,414 $1,959 $1,836 $1,863 $1,881 $1,809

Laredo, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Laredo, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Laredo $1,488 $1,257
Los Altos $1,910 $1,613
Tanquecitos South Acres II $1,928 $1,629
Tanquecitos South Acres $942 $796
Los Corralitos $1,900 $1,605
San Carlos I $1,919 $1,621
Laredo Ranchettes West $1,863 $1,574
San Carlos II $1,891 $1,597

Laredo, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Laredo, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,588
20 Years $1,817
30 Years $1,399
40 Years $1,346
50 Years $1,247
60 Years $1,264
70 Years $1,472

Laredo, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Laredo, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,460 $368
3 Vehicles $3,691 $551
4 Vehicles $4,921 $735

Savings on 2 Vehicles bundle:$368

Savings on 3 Vehicles bundle:$551

Savings on 4 Vehicles bundle:$735

Laredo, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Laredo, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Laredo $1,414 $2,201
Los Altos $1,863 $2,900
Tanquecitos South Acres II $1,881 $2,928
Tanquecitos South Acres $1,959 $3,050
Los Corralitos $1,845 $2,872
San Carlos I $1,863 $2,900
Laredo Ranchettes West $1,809 $2,816
San Carlos II $1,836 $2,858

Laredo, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,213
Excellent (740-799) $1,385
Good (670-739) $1,473
Average (580-669) $1,922
Poor (300-579) $2,306

Laredo, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Kevin Romo State Farm 7917 McPherson Rd Ste 208, Laredo, 78045-2812 956-753-9337
Herman Dominguez State Farm 3120 N Arkansas Ave, Laredo, 78043-1644 956-726-0493
Pena Insurance Agency Travelers 220 W HILLSIDE RD LOT 11, LAREDO, 78041 956-724-9004
Henri D Kahn Insurance Service Llc Travelers 112 DEL COURT STE B, LAREDO, 78041 956-725-3936
Larry Jones Nationwide 6019 McPherson Rd STE 6, Laredo, 78041-6111 (956) 717-5770
Cavazos Insurance Agency Travelers 2107 SAN BERNARDO AVE, LAREDO, 78040 956-723-4623
Safeguard Insurance Agency None 104. E. Calton Rd Ste 101, Laredo, 78041 None
Cubriel Ins Agency Llc Travelers 6010 MCPHERSON RD UNIT D2, LAREDO, 78041 956-568-5290
Alphasure Affordable Insurance Services None 1620 Chihuahua St, Laredo, 78043 None
Kike Trevino State Farm 517 Shiloh Dr, Laredo, 78045-6722 956-791-5453

Laredo, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$62 $1,476
Driver's Failure In Showing Documents +$137 $1,551
Driving With An Expired Registration +$146 $1,560
Driving At A Considerably Slow Pace +$307 $1,721
Using A Cellphone While Driving +$324 $1,738
Running A Red Light +$329 $1,743
Speeding +$346 $1,760
Driving A Vehicle Without The Required Permission +$440 $1,854
Driving With An Expired/Suspended License +$953 $2,367

Laredo, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,357
Active Disabling Device $1,357
Tracking Device $1,329
Passive Disabling Device $1,315

Latest Auto Insurance Reviews in Laredo, TX | Back to Top

I have liability and state minimum only no deductible for me! Ha! The joke is on them this time. I refuse to pay to fix and old junker car. Go buy another one off some ad and save big I say!
State Farm
State Farm offers any number of coverage options to suit your needs as any insured driver. Whether you need to keep your premium in line with your budget or you need full coverage options.
The Hartford
I have been with them for 13 years and decided to purchase with them when I bought a hybrid car and their annual premiums were about $400 less than all the other companies.
State Farm
I would recommend State Farm for all of your insurance needs as when all of your needs are met, you will be satisfied with your coverage and the price paid for security and piece of mind.
I also use USAA for my car insurance and just recently had a claim with them. They were incredibly easy to work with, both online and over the phone, took care of all the inspection details.
Farm Bureau
I would recommend Farm Bureau because they have great prices and great customer service, I've not had any issues with them.
I love my car insurance.They take the time to go over every option and discount and value my dedication.They offer discounts for coverage and make sure that I am getting the most affordable options
I am not very sure of what others offer. I have been at the same agent since I started driving 25 years ago and have no interest in changing.
National General
we did a lot of research, and National General's monthly premiums are fairly low compared to other providers. Especially GEICO.
State Farm
They offer a great package for auto coverage, with speedy rental cars that are paid for by them while your car is being fixed and they give customers the satisfaction of knowing they are in the background working hard to insure everything gets back to normal as fast as possible.
State Farm
They offer a great package for auto coverage, with speedy rental cars that are paid for by them while your car is being fixed and they give customers the satisfaction of knowing they are in the background working hard to insure everything gets back to normal as fast as possible.
I am completely satisfied with Geico insurance, they were easy to sign up for with minimal paperwork compared to other insurers and were about $250 less per month than I was previously paying. I like that they send alerts easily over text and keep me updated on claims as they are processed. They have courteous people who answer their calls and they don't make you call 3 different people to try to answer your question, which I have had issues with previous insurers in the past.
I've found that GEICO has been very accessible in terms of their customer support. I can do some things online if I choose, but I always can get a very helpful customer service representative on the phone.
I can't think of anything I dislike about this company . I honestly have nothing negative to say . I like them
USAA offers a lot of options and discount opportunities for auto insurance. When I've needed to make a claim, they send someone promptly and take care of arranging a rental car for me immediately.
I am very happy with the prices I pay and the extras that I get for having a clean driving record. I also love the accident forgiveness that I receive.
Only thing I have to complain about is finding the right person for customer service. They have so many different departments, it can be confusing. However, they usually transfer me to the correct person, so it's not that much of an issue.
I dont think that there is anything special about any company. they are all out to make money and dont care about customers.
Customer support is always available and friendly. The one time I had to use roadside assistance they were super helpful and stayed on the line until help arrived.
They have increased my rates each of the last 3 years. However so have all the other local insurance companies. But I wish they would keep my rates lower.