{"id":49341,"date":"2024-04-30T18:05:16","date_gmt":"2024-05-01T01:05:16","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=49341"},"modified":"2024-07-01T10:00:46","modified_gmt":"2024-07-01T17:00:46","slug":"laredo-tx","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/texas\/laredo-tx\/","title":{"rendered":"Laredo Car Insurance"},"content":{"rendered":"
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Everything You Need to Know About Auto Insurance in Texas<\/h2>\n
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Laredo is close to the southern border of Texas, and experiences unique driving conditions influenced by the location and climate. Because it is close to Mexico, Laredo locals often encounter ever-changing traffic patterns and road conditions, including heavy truck traffic from international trade routes.<\/p>\n

Additionally, Laredo’s subtropical climate brings its own set of challenges, such as intense heat and occasional severe weather, which can increase the likelihood of accidents and damage. Given these factors, having adequate auto coverage is essential for people in Laredo to protect themselves financially in the event of unforeseen incidents on the road as well as enjoy living in this Texas town.<\/p>\n

Texas car insurance<\/a> protects people from high costs due to accidents with others or because of bad weather. \u00a0Trade activity and diverse driving conditions are increasing in Laredo, and the risk of mishaps and collisions is higher, so you need an insurance plan that can cover you in common events like these.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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How Much Does Car Insurance Cost in Laredo, Texas?<\/h2>\n
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People in Laredo pay approximately $67 a month for state minimum required liability insurance<\/a>, $20 more than the typical payment in Texas of $47, and $5 more than the national average price of car insurance<\/a>, $62.<\/p>\n

Full coverage auto insurance<\/a> in Laredo is $185 per month, $16 more than Texas\u2019 mean of $169 and $30 less than the nation\u2019s, which is $215.<\/p>\n

What Does Full vs. Minimum Mean?<\/h3>\n

Grasping the disparities between full coverage and minimum liability auto insurance<\/a> is important to ensure you have adequate financial security, comply with legal standards, and maintain personal peace of mind while driving. Each type of protection plan carries distinct terms, and you\u2019ll want to comprehend the details of each to make informed decisions as you select your policies.<\/p>\n

Full coverage creates an extensive buffer against various risks like collisions, theft, vandalism, and natural disasters. Typically, these policies pay for repair or replacement expenses for your automobile, but they usually do not include extra additions such as rental car reimbursement, roadside assistance, and underinsured or uninsured motorist insurance<\/a>.<\/p>\n

On the other hand, minimum insurance (liability coverage) represents the basic legal requirement set by most states. Liability coverage covers bodily injury and property damage, ensures you meet compliance with legal mandates, and helps shield you from financial responsibility if you\u2019re considered liable in an accident. However, minimum liability will not cover your personal property damage, medical bills, or other losses stemming from an incident – but it will cover these expenses for other parties that were involved.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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Affordable Car Insurance Rates Comparison by Cities in Texas<\/h2>\n
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This chart displays the typical premiums in Laredo compared to other cities in Texas.<\/p>\n <\/div>\n

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City<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
Laredo <\/b><\/td>\n $173<\/b><\/td>\n $58<\/b><\/td>\n <\/tr>\n
Irving<\/td>\n $175<\/td>\n $65<\/td>\n <\/tr>\n
Edinburg<\/td>\n $184<\/td>\n $72<\/td>\n <\/tr>\n
El Paso<\/td>\n $157<\/td>\n $54<\/td>\n <\/tr>\n
Houston<\/td>\n $215<\/td>\n $80<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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Affordable Laredo Car Insurance Rates by Zip Code<\/h3>\n

Your zip code influences the cost of your premiums. Laredo is a highly populated city (thus there are more people on the road) so there is a higher number of claims than usual. How many claims filed in a given zip code affects pricing in the area.<\/p>\n <\/div>\n

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Zip Code<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
78040<\/td>\n $170<\/td>\n $58<\/td>\n <\/tr>\n
78041<\/td>\n $172<\/td>\n $56<\/td>\n <\/tr>\n
78042<\/td>\n $201<\/td>\n $65<\/td>\n <\/tr>\n
78043<\/td>\n $173<\/td>\n $58<\/td>\n <\/tr>\n
78044<\/td>\n $201<\/td>\n $65<\/td>\n <\/tr>\n
78045<\/td>\n $168<\/td>\n $57<\/td>\n <\/tr>\n
78046<\/td>\n $175<\/td>\n $58<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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Low-Cost Car Insurance Rates by Age in Laredo<\/h3>\n

Y<\/em>our date of birth is another quality insurers use to estimate your monthly premiums. Note that\u00a0car insurance for teen drivers<\/a> is more expensive because they lack experience behind the wheel. However, as you age and practice defensive driving techniques<\/a>, your rates will decrease.<\/p>\n

This table lists the typical monthly auto payments in Laredo based on age.<\/p>\n <\/div>\n

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Age<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
Teenagers<\/td>\n $546<\/td>\n $210<\/td>\n <\/tr>\n
20s<\/td>\n $244<\/td>\n $83<\/td>\n <\/tr>\n
30s<\/td>\n $166<\/td>\n $56<\/td>\n <\/tr>\n
40s<\/td>\n $160<\/td>\n $56<\/td>\n <\/tr>\n
50s<\/td>\n $147<\/td>\n $52<\/td>\n <\/tr>\n
60s<\/td>\n $155<\/td>\n $59<\/td>\n <\/tr>\n
70s<\/td>\n $165<\/td>\n $65<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n
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We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100\/300\/100.<\/em><\/p>\n<\/p>\n\n <\/div>\n <\/div>\n<\/section>\n\n

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Driving Conditions in Laredo<\/h2>\n

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How Many Fatal Accidents Happen in Laredo?<\/h3>\n

According to the National Highway Traffic Safety Administration, Laredo experiences about 20-21 fatal crashes annually. NHTSA statistics show that between 2011 and 2021, three years had 15 or fewer fatalities, although two years had as many as 25 and 27 deaths.<\/p>\n

How Are the Road Infrastructure and Bridges in Laredo?<\/h3>\n

Just as in Texas as a whole, Laredo authorities use public funds to maintain street safety. The American Society of Civil Engineers gave this state a \u201cC\u201d in 2021, which was an improvement from the previous year. One of the reasons why Texas ranked in this way was because the region faces significantly more congestion than the national average, especially in larger cities like Austin, DFW, and Houston. The typical Texan spends 54 hours in traffic at a cost of $1,080 annually. Even though road safety isn\u2019t perfect in the Lone Star State, the government is working hard to make improvements.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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Minimum Car Insurance Requirements in Laredo<\/h2>\n

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There are laws in Texas that define the minimum liability requirements in the Lone Star State, including in Laredo. If you live in Texas, your minimum liability policy must have:<\/p>\n <\/div>\n \n

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