Auto Insurance in Laredo (78043)
Texas · Very Affordable · 12th percentile statewide
Carrier Rates in 78043
6-month premiums from SERFF rate filings. Standard driver profile.
How 78043 Compares
Laredo (78043) is very affordable for auto insurance in Texas, ranking in the 12th percentile.
The cheapest carrier is GEICO at $293/6mo — 50% less than the most expensive (State Farm at $583).
The median premium of $373 is 27% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in Laredo (78043)?
The median 6-month premium in Laredo (78043) is $373 across 5 carriers. Premiums range from $293 to $583, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 78043?
GEICO offers the lowest rate in 78043 at $293/6mo. That's 50% less than the most expensive option (State Farm at $583/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 78043?
Auto insurance rates in Laredo (78043) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Laredo ranks in the 12th percentile statewide, meaning it's very affordable compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
Want full rate data for 78043?
Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.