On average, your neighbors pay $77 a month.See Your Rates
Laredo, Texas sits right on the border with Mexico, and so it’s no surprise that 47% of all US trade with Mexico passes through this city. Laredo is also home to the Washington’s Birthday Celebration, a month-long event, the largest of its kind. As patriotic as people in Laredo are, they deserve affordable car insurance rates.
How much is car insurance in Laredo, TX? The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01. Average car insurance rates in Laredo are slightly higher than the national average. Prices may vary depending on your driving history and the number of claims filed in your zip code.
|Total Cost Per Year||$934.22|
|Price Per Month||$77.85|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.
QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Laredo, Texas and save up to 40% on your premium.
Last year, 2,745 peoples used QuoteWizard to compare car insurance quotes in Laredo, TX from multiple companies to find the cheapest rates.
These were the most common car insurance companies reported by QuoteWizard users living in Laredo, Texas last year. 346 of these users were uninsured.
More top Laredo, Texas insurance companies: USAA, Country Financial, American Family, MetLife, Safeco, Texas Farm Bureau, Hartford, 21st Century, and Travelers.
These are the most common car makes and models owned by Laredo, TX drivers requesting quotes through QuoteWizard last year.
Laredo, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:
According to a recent report published by Allstate Insurance, when it comes to safe driving, Laredo, Texas ranked 7th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 12 years. Out of 2,980 Laredo drivers that used QuoteWizard last year, only 95 said they had incidents on their driving record.
Factors affecting your insurance rates are the weather and road conditions.
Laredo, TX has a hot, semi-arid climate with very long, hot, and dry summers. It can and does rain with most precipitation occurring between May and October. The area can also experience powerful storms that can create traffic nightmares for city residents.
The Texas A&M Transportation Institute (TTI) ranked Laredo 98th in the nation for yearly delay per commuter. According to the TTI study, residents spend an extra 18 hours a year stuck in traffic congestion and waste 10 gallons of fuel annually. The total cost per commuter is estimated by the TTI to be $496 per year.
Moving violations like failure to yield, drunk driving, accidents, and speeding will give you a bad driving record and have a dramatic affect on your insurance rates. The reason is that tickets add points to your driving history. Points can remain on your record for as many as three years. If you get what your insurance company considers to be too many points, they can place you in a category called non-preferred. This category is reserved for bad drivers who are asked to switch to non-standard, high-risk policies.
The Laredo Municipal Court website allows you to pay traffic citations, tells drivers how to plead guilty and contest tickets, request defensive driving school, and provides other helpful traffic court information.
A DWI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in Laredo DWI insurance.
Laredo reported 114 crashes involving alcohol or drugs in 2017. These accidents involving impaired drivers caused 80 injuries and eight fatalities.
Laredo officials reported 5,494 car crashes in 2017. These crashes resulted in 2,485 injuries. 89 of them were serious.
Laredo experienced 14 fatal collisions in 2017 resulting in 18 deaths in motor vehicle crashes.
This works out to a fatality rate of 8.16 per 100,000 residents. All traffic deaths are a tragic loss, and considering Laredo’s estimated population of 260,654, this ranks among the nation's safer cities in terms of traffic fatalities per capita.
Laredo reported 170 vehicle thefts in 2017. This is a rate of 0.65 per 1000 residents. This is well below the national average of 2.37 stolen cars per 1,000 people.
If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Laredo, TX.
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