Laredo, TX, drivers pay an average of about $210 a month ($2,516 a year) for full coverage and $70 a month ($840 a year) for the Texas minimum, based on insurers’ filed rates as of August 31, 2026 for a 40-year-old with a clean record. That’s almost exactly the Texas average. Auto Club (AAA) has the lowest full-coverage average at about $190 a month, and State Farm the lowest minimum-coverage average at about $57.
Rates last verified and updated: September 2026.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services. Written by Michael Giusti.
Laredo is a textbook average Texas market: its full-coverage and minimum averages are within $8 a year of the statewide figures for the same driver. What sets it apart is the border. I-35 begins here, the World Trade Bridge makes Laredo the country’s busiest inland port, and heavy truck traffic is part of daily driving.
Insurers also price Laredo more consistently than most cities. The gap between the cheapest and most expensive company is about $56 a month for full coverage, one of the smallest in our Texas data.
How Much Is Car Insurance in Laredo?
Full coverage in Laredo averages $2,516 a year, about $210 a month, and a state-minimum policy averages $840 a year, about $70 a month. The Texas averages are $2,513 and $848.
All five Laredo ZIP codes fall within about $9 a month of each other: 78045 ($2,456), 78040 ($2,493), 78043 ($2,531), 78041 ($2,532), 78046 ($2,568) a year for full coverage. North Laredo’s 78045 is the cheapest and South Laredo’s 78046 the most expensive.
- Full coverage: $2,516 a year ($210 a month)
- State minimum (30/60/25): $840 a year ($70 a month)
- Texas average: $2,513 full coverage, $848 minimum
Cost data comes from insurers’ filed auto rates across the 5 Laredo ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Cheapest Car Insurance Companies in Laredo
- Cheapest for full coverage: Auto Club (AAA), at about $190 a month ($2,285 a year), about $11 a month less than State Farm.
- Cheapest for minimum coverage: State Farm, at about $57 a month ($680 a year), about $12 a month less than GEICO.
- For military families: USAA, open only to service members, veterans and their families, comes in at about $186 a month for full coverage and $54 for minimum coverage.
- Priciest insurer: Progressive, at about $246 a month for full coverage.
These averages cover all five Laredo ZIP codes. Texas Farm Bureau, which requires a Farm Bureau membership, can come in lower still. See how we calculated these rates.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| USAA (military families) | $642 | $54 | $2,231 | $186 |
| Auto Club (AAA) | $890 | $74 | $2,285 | $190 |
| State Farm | $680 | $57 | $2,414 | $201 |
| GEICO | $828 | $69 | $2,696 | $225 |
| Progressive | $1,163 | $97 | $2,955 | $246 |
| Texas Farm Bureau* | $481 | $40 | $1,362 | $114 |
| Allstate* | $1,531 | $128 | $4,333 | $361 |
| Farmers* | $2,460 | $205 | $6,331 | $528 |
Crossing Into Mexico From Laredo
Your Texas policy’s liability coverage generally doesn’t apply in Mexico, and Mexican law requires liability insurance from a Mexican company. Before you drive into Nuevo Laredo, buy a Mexican policy for the days you’ll be there. Short-term policies are sold by the day, and some U.S. insurers can arrange one. Ask your insurer whether your comprehensive and collision coverage extends across the border.
How Much More Does Better Coverage Cost in Laredo?
Full coverage adds about $1,676 a year over the state minimum in Laredo, about $140 a month. Moving from 50/100/50 to 100/300/100 liability, with comprehensive and collision on both, adds about $224 a year ($19 a month).
With so many tractor-trailers on I-35, US-59 and Loop 20, higher liability limits and uninsured/underinsured motorist coverage are worth the small extra cost.
How Laredo Car Insurance Compares With Nearby Texas Cities
Laredo averages $210 a month, a little below McAllen ($221) and San Antonio ($218) but above Corpus Christi ($197).
Every Texas city we price is in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
What Car Insurance Is Required in Laredo?
Texas sets the rules for every driver in Laredo. To register and drive a car, you need liability insurance of at least:
- $30,000 for injuries to one person
- $60,000 for injuries to everyone in one crash
- $25,000 for damage to other people’s property
That’s known as 30/60/25 coverage. Insurers must also offer personal injury protection (PIP) of at least $2,500 per person and uninsured/underinsured motorist coverage. Both are added to your policy unless you reject them in writing. The rules and penalties are explained in the Texas Department of Insurance auto insurance guide. Texas is an at-fault state, so the driver who causes a crash pays for the damage through their liability coverage.
How to Lower Your Car Insurance Rate in Laredo
Laredo’s insurers are closer together than in most Texas cities, so the details of your quote matter. Try these:
- Quote Auto Club (AAA) and State Farm. Auto Club is cheapest for full coverage and State Farm for minimum coverage.
- Add a company outside our data. Texas Farm Bureau, Allstate and Farmers also write policies here.
- Buy Mexican coverage only when you cross. A daily policy costs less than an annual one if you cross occasionally.
- Check USAA if you qualify. It has the lowest averages in our data for military families.
- Keep uninsured motorist coverage. It protects you if the other driver has no insurance or not enough.
- Shop again at renewal. Filed rates change several times a year in Texas.
- Want to save even more? Bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Texas home insurance rates.
Laredo Car Insurance Rates by County
In Webb County, full coverage averages about $210 a month and state-minimum coverage about $70 a month across the 5 ZIP codes we sample. That’s $1 a month above the Texas average of $209. These figures use the same filed-rate data and benchmark driver as the rest of this page.
| County | ZIP Codes Sampled | State Minimum /mo | Full Coverage /mo | Full Coverage /yr |
|---|---|---|---|---|
| Webb County | 5 | $70 | $210 | $2,516 |
| Texas average | 1019 | $71 | $209 | $2,513 |
More Laredo Car Insurance Breakdowns
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.
Laredo Car Insurance Costs by County and Vehicle Type
This breakdown shows how the type of car changes the price in each county in the Laredo area. Across the 2 counties listed, SUV policies cost the least on average and hybrid policies the most, about 25% 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 |
New Car Insurance Rates in Texas
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 |
Car Insurance Costs by Age in Texas
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 as drivers build a clean record.
| 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 |
How We Calculated Laredo Car Insurance Rates
InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.
- Sample: 80 quotes (40 full coverage and 40 state minimum) from 8 insurance companies, grouped into 5 brands, in 5 Laredo ZIP codes.
- Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the 30/60/25 liability Texas requires.
- Calculation: for each brand we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every brand-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: USAA is shown but not ranked because only military members, veterans and their families can buy it. Prices within 3% of each other are called effectively tied.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Coverage requirements come from the Texas Department of Insurance. We refresh these figures when new filed-rate data is released.
Laredo Car Insurance FAQ
In our data, Laredo drivers pay an average of about $210 a month ($2,516 a year) for full coverage and $70 a month ($840 a year) for the state minimum, based on insurers’ filed rates as of August 31, 2026.
Auto Club (AAA) has the lowest full-coverage average at about $190 a month. State Farm has the lowest minimum-coverage average at about $57 a month. Among the carriers priced on this page, the full-coverage gap between the cheapest and priciest option reaches $60 a month in Laredo.
No. Laredo’s full-coverage average of $2,516 a year is almost the same as the Texas average of $2,513, and its minimum-coverage average is slightly lower.
Yes. Mexico requires liability coverage from a Mexican insurer, and most Texas policies don’t provide it. Buy a Mexican policy before you cross.
Texas requires 30/60/25 liability coverage: $30,000 per injured person, $60,000 per crash for injuries and $25,000 for property damage. PIP and uninsured/underinsured motorist coverage are included unless you reject them in writing.
78045 in north Laredo has the lowest full-coverage average in our data, about $2,456 a year. 78046 in south Laredo is the highest at about $2,568.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
