Car Insurance in Laredo, TX

Get Auto Insurance in Laredo, TX

With over 250,000 people, there are a lot of drivers in Laredo, TX.² The AARP^® Auto Insurance Program from The Hartford¹ can help you get the car insurance you need at the right price. To learn more about car insurance in Laredo, TX, get an insurance quote today.

Average Insurance Rates in Laredo, TX

The average car insurance cost in Laredo is $1,507 per year. This is more than the average across Texas of $1,415.³ However, the cost of car insurance does vary. Generally, if you’re a high-risk driver, you’ll have to pay more for your policy. Insurance companies determine your rates based on things like your:

Driving record
Type of vehicle
Average miles driven in a year
Coverage limits
Deductible amounts

To find the best policy, you can compare auto insurance quotes from multiple car insurance companies. To get started, get a quote from The Hartford today.

What Is the Minimum Car Insurance Required in Laredo, TX?

Drivers in Laredo, Texas need to meet the minimum coverage requirements, including:

Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $25,000 per accident
Personal injury protection (PIP): $2,500 unless you reject this coverage
Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident unless you reject this coverage
Uninsured motorist property damage: $25,000 for property damage unless you reject this coverage

Is Car Insurance Required in Laredo, Texas?

Laredo drivers can face penalties and legal fines if you drive without insurance. This means it’s important to have proof of coverage on you when you’re behind the wheel.

Additional Car Insurance Coverages for Laredo Drivers

While there are minimum requirements for Texas drivers, everyone’s car insurance coverage needs are different. Some other auto coverages available to Texas drivers, include:

Comprehensive coverage pays for damages to your car from things like natural disasters and theft.
Car towing insurance offers help paying for towing and labor charges if your car breaks down.
Gap coverage to help pay the difference between your car’s actual cash value and the amount you owe on your car loan if it’s stolen or totaled.

How Can I Lower My Car Insurance in Laredo, Texas?

AARP members can qualify for extra benefits and discounts to help them save money, like saving up to 10% on car insurance. You can also qualify for benefits like:

New Car Replacement:^§§ If you total your new car, your policy will help pay to replace it with a new vehicle of the same make, model and equipment.
Disappearing Deductible:^‡ Your collision deductible could be reduced over time in most states as long as you maintain a clean driving record.
Accident Forgiveness:^‡ We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.

Lower car insurance rates are also awarded to those who don’t have a history of speeding tickets. However, some additional ways you can lower your car insurance premium include:

Paying your premium upfront, instead of monthly.
Keeping your mileage low.
Buying a car with updated safety features.
Bundling your auto and home policies. With an auto and home insurance bundle from The Hartford, you could save up to 5% on your auto insurance and up to 20% on your condo, renters or home insurance.**

Get a Quote for Auto Insurance in Laredo, TX Today

In 2020, Laredo drivers were delayed for an extra 17 hours in traffic.⁴ To make sure you’re protected on the road, you’ll want customized car insurance coverage. With the AARP Auto Insurance Program from The Hartford, you can get affordable car insurance in Laredo, TX that fits your needs. The Hartford stands out from other car insurance companies in Laredo through our quality customer service. You can count on The Hartford to provide products that help pay for damages if you’re in an accident. To learn more, get a quote from us today.