Best car insurance in Laredo, Texas (2024)

We selected our top-ranking car insurance companies in Laredo, Texas, based on factors such as premium quotes, coverage options, and company reputation. In our analysis, Geico, USAA, State Farm, AAA, and Progressive rose to the top. Your personal details, coverage needs, and driving history may determine which company offers the best policy fit for you.

Best car insurers in Laredo, TX, at a glance

CompanyAverage annual premiumAM Best ratingJ.D Power ScoreBBB ratingGeico$953A++871A+USAA$1,142A++900*A+State Farm$1,281A++891C-Auto Club County Mutual Insurance (AAA)$1,363A+889**BProgressive$1,568A+870A

*USAA is not rank-eligible for the J.D. Power Auto Claims Satisfaction Study because the brand does not meet study award criteria.

**Under Auto Club of Southern California Insurance Group, a large AAA affiliate

Compare quotes from top car insurers.

Best car insurance companies in Laredo: A closer look at our top picks

Best for: Drivers seeking the most discounts and the lowest policy premium quotes

Why it made the list: We found Geico to have the lowest average premium rates for good drivers, bad drivers, and drivers overall. It offers a wide range of essential coverage options, as well as additional coverage like mechanical breakdown insurance. Geico also offers a long list of discounts, which can make coverage even more affordable.

Read more in our full Geico car insurance review.

Notable features:

Mobile app with 24/7 roadside assistance, document storage, and a photo tool to estimate fender-bender damage

Mechanical breakdown insurance

Rental car reimbursement

DriveEasy program, which calculates a safe-driving score and may offer discounts

Notable discounts:

Up to 22% good driver discount (five years accident-free)

Up to 25% multi-vehicle discount

Up to 15% good student discount

Federal, military, and emergency deployment discounts ranging from 12% to 25% on certain coverages

Sample rates in Laredo for good drivers

CustomerCost per yearCost per month

Sample rates in Laredo for bad drivers

CustomerCost per yearCost per month

Best for: Military members, veterans, and their families

Why it made the list: USAA has a strong reputation for good customer service. Our analysis found it offers some of the most competitive rates in the market. It also offers an up to 30% discount for safe driving through the app-based SafePilot program. USAA only provides policies for military members, veterans, and their families.

See our full USAA car insurance review.

Notable features:

SafePilot usage-based driving program through the app

Car replacement assistance coverage

Rideshare coverage

Extended vehicle protection

Notable discounts:

SafePilot discount (up to 30%)

Long-term car storage discount (up to 60%)

Good student discount

Sample rates in Laredo for good drivers

CustomerCost per yearCost per month

Sample rates in Laredo for bad drivers

CustomerCost per yearCost per month

Best for: Drivers with an accident history

Why it made the list: In our analysis, State Farm offered some of the lowest premiums on the market for drivers with an accident record. We also like that the company offers rideshare and travel expense coverage. Travel expense coverage can help pay for food, lodging, and other expenses if you're more than 50 miles from home and your car can't be driven due to covered damages.

Read more details in our full State Farm car insurance review.

Notable features:

Rideshare coverage

Travel expense coverage

Payoff Protector, which can help cover the loan balance if your car is stolen or totaled

Notable discounts:

Up to 30% through the Drive Safe and Save program

Up to 25% good student discount

Sample rates in Laredo for good drivers

CustomerCost per yearCost per month

Sample rates in Laredo for bad drivers

CustomerCost per yearCost per month

Best for: Young drivers with a good driving record

Why it made the list: AAA is known for its emergency roadside assistance program, which offers three plans and 100-plus miles of towing. It also offers competitive rates, particularly for young drivers with a good driving record.

Check out our full AAA Car Insurance review

Notable features:

Three emergency roadside assistance plans

GAP waiver, an alternative to GAP insurance (Guaranteed Asset Protection)

Discounts and perks for AAA members

Mechanical breakdown insurance

Notable discounts:

Multi-vehicle discount (up to 26% on select coverages)

Verified mileage discount (up to 20%)

AAA OnBoard (up to 5% off per vehicle at activation and up to 30% off at policy renewal)

Good student discount (up to 15% on select coverages)

Sample rates in Laredo for good drivers

CustomerCost per yearCost per month

Sample rates in Laredo for bad drivers

CustomerCost per yearCost per month

Best for: Seniors with a good driving record

Why it made the list: We found Progressive's rates to be lower than average across the board. Its premium rate quotes for seniors with a clean driving record are the lowest on the market. Progressive also stands out by offering three accident forgiveness options and several additional coverage options besides the full range of essential coverage.

Read our full Progressive car insurance review.

Notable features:

Name Your Price tool to select coverage based on your budget

Three accident forgiveness programs

Custom parts and equipment coverage

Notable discounts:

Multi-vehicle discount (average 12%)

Good student discount (average 10%)

Snapshot safe driver discount (average $231 in savings per driver)

Sample rates in Laredo for good drivers

CustomerCost per yearCost per month

Sample rates in Laredo for bad drivers

CustomerCost per yearCost per month

How much does car insurance cost in Laredo, Texas?

Based on our findings, the average annual rate estimate across all drivers in Laredo, Texas was $2,106 (about $176 per month). Good drivers averaged $1,767 (about $147 per month), and bad drivers averaged $2,445 (roughly $204 monthly).

Compared to other cities in Texas, Laredo's rate estimates fall between El Paso . Drivers in large cities like San Antonio , and tended to have more expensive premium rates, while Victoria's averages were cheaper.

Average prices for good drivers

CustomerCost per yearCost per month

Average prices for bad drivers

CustomerCost per yearCost per month

Methodology: How we chose the best car insurers in Laredo, Texas

We evaluate car insurance companies according to the following five factors:

Availability: To qualify for a best-of ranking in a specific area (like Laredo, Texas), the company must provide coverage in that location.

Coverage: We prioritize companies that offer a full range of major car insurance coverage types (liability, comprehensive, collision, underinsured/uninsured motorist, medical payments, personal injury protection). We also consider additional coverage offerings, such as GAP insurance (which helps cover the difference between your car's value and what you owe on your loan if your car is totaled or stolen).

Cost: We pull sample premium quotes to see which companies offer the most competitive rates compared to other providers and the industry average. Car insurance policy discounts also factor into our consideration.

Customer experience: We use data from the National Association of Insurance Commissioners (NAIC) to check whether companies have average, below-average, or above-average complaints. We also look up customer satisfaction scores on sites like J.D. Power.

Reputation: NAIC data and AM Best ratings give us insight into an auto insurance company's financial strength and industry reputation.

We evaluate auto insurance companies based on their performance across five key categories, as well as any unique features or standout service to specific groups (such as seniors or military members). Learn more in our full car insurer review methodology .

Calculating car insurance rates

We collected car insurance rates in Laredo by using data from HelpInsure.com, a website and resource run by the Texas Department of Insurance and the Office of Public Insurance Counsel.

The rates in this were accessed in August 2024 and are based on the following data:

Location: Laredo (Webb County), zip code 78040

Drivers: All are single.

Annual mileage:

Credit score:

Coverage:Texas car insurance minimums)

Prices: Annual policy cost, rounded to the nearest dollar

Finding cheap car insurance in Laredo

Living in a border town can present unique insurance challenges because you may be sharing the road with more international drivers.

There are "a few companies that have pulled out of covering the border," says Sam LaBarre, owner and insurance specialist at Villa Texas Insurance Services. "There's a lot of people crossing where they're not required to have American insurance. If an accident happens there, it's very costly to try to find coverage from the other country."

Finding cheap car insurance in Laredo, Texas, can involve balancing monthly premiums against the potential out-of-pocket expenses if a bare-bones policy doesn't cover the full cost of a claim. LaBarre offers these tips:

Prioritize underinsured/uninsured motorist coverage: Texas minimum auto insurance requirements don't include this coverage, but border towns like Laredo can have a high number of uninsured drivers on the road.

Consider personal injury protection: "I do think it's important to always have personal injury protection. It's not an expensive coverage, and it does help, especially if you don't have medical insurance," LaBarre says, adding that personal injury protection may cover costs like lost wages or childcare expenses, in addition to medical expenses.

Drive an affordable car: Drivers hoping to keep insurance costs down can start by looking at their car, LaBarre says. A higher-value car typically means a more expensive policy. This consideration can be especially helpful to bear in mind if your teen or young adult driver is shopping for their first car.

Take a household view: Any drivers in your household can affect insurance premiums for everyone. The more everyone on your policy sticks to the speed limit and avoids accidents, the more likely you may be to keep premium rates lower.

Frequently asked questions

How much is car insurance in Laredo, Texas?

The average annual rate estimate for all drivers in Laredo, Texas, is $2,106, based on our findings. The bad driver annual average was $2,445, and the good driver annual average was $1,767.

Which company has the cheapest auto insurance rates in Laredo, Texas?

Geico, USAA, and the Texas Automobile Insurance Plan Association (TAIPA) had the lowest all-driver average rates in our analysis. We excluded TAIPA from our top ranking because it only accepts applications from drivers who have been declined coverage by two other companies.

What is the best car insurance for people with bad credit?

Drivers with less favorable credit may still be able to secure a policy through some major national insurance providers. Texas drivers can also apply for a policy from TAIPA, a residual market program that helps make coverage more available for higher-risk drivers.