For a 40-year-old driver with a clean record, Laredo car insurance averages about $250 a month ($3,001 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s about the same as the Texas average of $251 a month. Auto Club (AAA) has the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $190 a month.
Laredo is priced right at the Texas average for our benchmark driver. Auto Club (AAA) has the lowest average among insurers anyone can buy from; the next lowest is State Farm at $201 a month.
The five Laredo ZIP codes we price are close together, from about $244 a month in 78045 to $256 in 78046.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Laredo ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 12, 2026.
Full coverage in Laredo averages $3,001 a year, or about $250 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,032 a year ($86 a month), and 50/100/50 liability with comprehensive and collision averages $2,729 ($227 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $452 a month is 2.2 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Laredo average would be about $210 a month.
Auto Club (AAA) has the lowest full-coverage average among the insurers in our Laredo rate data that are among insurers anyone can buy from. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $57 a month, followed by GEICO at $69. USAA comes in even lower, at about $55 a month, but it sells only to military families.
Full-coverage averages by insurer in Laredo
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Auto Club (AAA) | $890 | $74 | $2,285 | $190 |
| USAA (military families) | $664 | $55 | $2,311 | $193 |
| State Farm | $680 | $57 | $2,411 | $201 |
| GEICO | $828 | $69 | $2,696 | $225 |
| Progressive | $1,150 | $96 | $2,884 | $240 |
| Allstate | $1,982 | $165 | $5,422 | $452 |
| Texas Farm Bureau* | $534 | $45 | $1,412 | $118 |
| Farmers* | $1,355 | $113 | $4,665 | $389 |
| Laredo average | $1,032 | $86 | $3,001 | $250 |
This table uses Laredo ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the five Laredo ZIP codes we price, full coverage for our driver ranges from about $244 a month in 78045 to $256 in 78046, a gap of $144 a year.
Lowest-priced Laredo ZIP codes
Highest-priced Laredo ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Laredo’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 78040 | $1,041 | $87 | $2,978 | $248 | -1% |
| 78041 | $1,013 | $84 | $3,050 | $254 | +2% |
| 78043 | $1,031 | $86 | $2,988 | $249 | About average |
| 78045 | $1,015 | $85 | $2,924 | $244 | -2% |
| 78046 | $1,061 | $88 | $3,068 | $256 | +2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $272 a year on average in our Laredo data, with the same $500 deductibles. That’s about $23 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not by much, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Laredo ZIP codes, their full-coverage average fell from $2,526 a year 10 months earlier to $2,517 in rates as of Sept. 30, 2026, a 0.4% drop. Auto Club (AAA) cut its Laredo average 7.9% and Progressive 4.2%, while USAA raised its average 9.0% and GEICO 3.8%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Laredo average above. Liability-only coverage at 30/60/25 limits fell 0.5%, led by USAA, which cut its liability-only average 10.0%.
Mexico doesn’t recognize American auto insurance policies, so the Texas Department of Insurance says drivers heading into Mexico should buy a Mexican liability insurance policy. Some insurers sell add-on coverage for short trips, but it might not meet Mexico’s legal requirements.
Webb County averages about $250 a month for full coverage in our data. State Farm has the lowest liability-only average here, about $57 a month. Prices depend on where in Texas you live, not just on your car and driving record.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
San Antonio, about 145 miles north on Interstate 35, averages $258 a month, and McAllen, about 120 miles southeast, $261. Corpus Christi averages $233.
Drivers in Laredo follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Webb County averages about $250 a month for full coverage and $86 for liability-only coverage across the five ZIP codes we price there, $1 a month below the Texas average of $251. It ranks 26th of the 179 Texas counties we price, from most to least expensive.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Webb County | 5 | $1,032 | $86 | $3,001 | $250 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Laredo averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. In this breakdown, SUV policies cost the least and hybrid policies the most, roughly a quarter more. Search the table for your county.
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Webb | $1,423 | $1,219 | $1,334 | $1,444 | $1,518 |
| Monthly Costs: | $118.58 | $101.58 | $111.17 | $120.33 | $126.50 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in Laredo averages about $250 a month ($3,001 a year) and liability-only coverage about $86 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is about the same as the Texas average of $251 a month. Without Allstate, the Laredo average is about $210 a month.
Auto Club (AAA) has the lowest full-coverage average among insurers anyone can buy from in our Laredo rate data, at about $190 a month; the next lowest is State Farm at $201. USAA, which sells only to military families, averages about $193 a month. For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, at about $57 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Laredo, by a little, for our benchmark driver. Laredo full coverage averages about $250 a month and San Antonio about $258, a difference of about $8 a month.
In our data, 78045 has the lowest full-coverage average in Laredo, at about $244 a month, and 78046 the highest, at about $256. The ZIP code table on this page lists all five.
In our Laredo data, full coverage (100/300/100 with $500 deductibles) averages about $250 a month and liability-only coverage at 30/60/25 limits about $86, a difference of about $164 a month ($1,969 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Not by much, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their Laredo full-coverage average fell 0.4%, from about $2,526 to $2,517 a year. That’s lower than the Laredo average of $3,001 because it leaves out Allstate. Auto Club (AAA) cut its Laredo average 7.9% and Progressive 4.2%, while USAA raised its average 9.0% and GEICO 3.8%. Liability-only coverage at 30/60/25 limits fell 0.5%.
For our benchmark driver, full coverage in Laredo averages about $250 a month. Nearby, McAllen averages about $261, Corpus Christi about $233 and San Antonio about $258. Corpus Christi is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
