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Cheap Car Insurance in Laredo, Texas

Knowing a little more about Laredo can make finding cheap car insurance easier. A border city with 252,309 residents, Laredo is 200 miles from Monterrey, Mexico and about 150 miles from San Antonio, Texas. Nestled along the Rio Grande River, Laredo is across the border from the larger city of Nuevo Laredo, Tamaulipas, Mexico. The two cities form a metro area with about 636,000 residents.

Cheap Car Insurance will compare auto insurance for you in Laredo, TX. We will make sure to get you the best car insurance rates in town.

Driving Conditions in Laredo

Laredo is the ending point of Interstate 35, which travels north-south through the U.S. Crossing any of the city’s four international bridges often involves delays and wait times. Otherwise, compared to average U.S. Cities commute of 25.2 minutes, Laredo has a shorter time of 21 minutes, according to Census Bureau data.

If you decide to drive over the border, be aware that many car insurance companies do not extend coverage into Mexico. Temporary coverage can be purchased, however.

Current information on accidents, construction and weather-related delays is available at, or

Unique Laws in Laredo

Adults 18 and up can legally ride in the back of a truck, according to Texas state laws, and there are also exceptions to the laws that allow children to ride in truck beds, one being if the truck is the family’s only vehicle. After an auto accident, there is a two-year statute of limitations on filing a lawsuit for personal injury or property damage.

Laredo Crime Statistics

Despite what may be said about border towns and increased crime, the Laredo metro area had 537 cases of auto theft in 2015, according to the National Insurance Crime Bureau – a rate of 199 incidents per 100,000 people. The national average for the same year was a rate of 220.2 per 100,000 people.

The most stolen autos in the Lone Star State in the most recent year compiled are full-sized Ford Pickups, followed by full-sized Chevrolet and Dodge pickups, and then by Honda Accord and Honda Civic.

Laredo Safety Requirements

Texas law requires everyone in a vehicle to buckle up or face fines and court costs up to $200. Children younger than 8 must be in a child safety seat or booster seat unless they’re taller than 4 feet 9 inches, according to the Texas Department of Transportation. If they aren’t properly restrained, the driver faces fines up to $250 plus court costs.

More information on seat belt and car safety is available at

There are no current state laws addressing texting or cellphone use for drivers over 18, though cellphone use is banned in school zones. Don’t chat or text and drive in Laredo, however; the city banned cellphone use while driving in 2015.

Laredo Impaired Driving Laws

In Texas, a person is legally intoxicated and may be arrested and charged with Driving While Intoxicated with a .08 BAC (blood or breath alcohol concentration) or higher. However, a driver can also be deemed intoxicated if impaired due to alcohol or other drugs, regardless of BAC. Both drivers and passengers also can be fined $500 for having an open alcohol container in a car.

DWI first offenders face a fine of up to $2,000, three to 180 days in jail, loss of driver’s license for up to 2 years and an annual fee of up to $2,000 for three years to retain a driver’s license. Charges are enhanced if there is a passenger younger than 15 in the car.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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