Laredo Insurance Rates:

Laredo, TX home insurance is about $872 to $1,180, about $72-$98/month. Our thorough guide reveals consumers can save upto $410 by comparing different quotes

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Read Laredo, Texas Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Laredo Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $260/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

5 Beds, 5 Baths 2410 sqft Seasonal Residence Constructed In 1998 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $270/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Bath 1620 sqft Vacation Property Constructed In 1981 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $180/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Baths 1970 sqft Primary Residence Constructed In 1997 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Laredo, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
78046 $88,800 $1,010
78040 $70,000 $1,010
78045 $153,100 $1,060
78041 $124,800 $1,050

Laredo Rates & Quotes Analysis:

Laredo Area Estimated House Insurance
FM 3464, Rio Rojo Rd, Running Doe St, Warehouse Ln, Christine Ln, Lope de Vega, Atlanta Dr, Jemez Loop, Glacier Ct, Acadia Loop$1,000
Wimberley Rd, Centennial Ct, Frankfort St, McClelland Ave, Snow Falls Dr, Rio Norte Cir, Cll del Norte, Soledad Loop, St Croix Dr, Quadrangle Cir$1,105
Moon Ln, Hillplace Loop, Charreada Dr, Bermuda, Alamo St, Matamoros St, Taylor St, Bismark St, E Cherry Hill Dr, Elizondo Dr$1,027
Cll Ferraez, Murcia Dr, Mesquite Ln, Spanish Dagger Dr, Noel Ln, Highland Dr, Ross St, Karina Rd, Tundra Ave, Socrates Ln$1,003
Anna Ave, Manchester Ln, Flathead Cir, Townlake Dr, South Dakota St, Woodland Cove, Puerto Vallarta, Masterson St, San Leonardo Ave, Summerwind Blvd$1,004
Puerto Viejo, San Salvador Cir, Yucca Dr, Olmos Dr, Cheyenne Dr, Hemlock Ct, Farias St, S Meadow Ave NE, Conly Rd, Aldama St$1,009
Martens Rd, Pirul Ct, Mohican Dr, Santa Clara St, Crossfield Cir, Larry Ln, Lemonwood Dr, Yellow Oak Ave, Welch Rd, Encino Cir$1,056
Potomac Ct, Dryden Ave, Samlon Ct, Ranch Rd 6073A, Lagos Ave, Bonaparte Ln, Pistachio Ct, Mahin Dr, Chihuahua St, E San Carlos St$1,017
Boomtown St, Trinity Plaza Ct, Asturias Ave, Dove Trail Ct, Thurman St, Tarpon Ln, Vicente St, Grant St, E Gustavus St, St Isaac Loop N$1,009
Salamanca Ave, Coral Hills Dr, Stone Field Ln, Reserve Dr, Artic Ct, Ugarte St, W Ferraez St, Dickey Ln, Diego Ln, Gust St$1,056

Insurance rates are influenced by a number of factors including:

  • Year Built: 16,434 Homes (23% of total) built between 1990 to 1999 in Laredo are paying home insurance between $1,480-$1,495 in contrast with, Los Altos (-$82) and Tanquecitos South Acres (-$71).
  • Bedrooms: 9,262 4 bedrooms homes (13% of total homes ) in Laredo are paying about $1,241. Areas near to Laredo such as whereas Ranchos Penitas West and Pueblo Nuevo are more economical by $23, $27 respectively for similar homes.
  • Auto Insurance Bundling: 11,066 Households (27% of all households) in Laredo have 3 or more vehicles available and when it is bundled with home insurance you can save $256. Discounts for similar bundling in close by locations such as Tanquecitos South Acres II, Tanquecitos South Acres, San Carlos I come to $240, $244, $245 respectively.
  • Senior Discounts: 14,968 seniors (more than 55 years) occupied housing units (37% of total) in Laredo get discounts between $153 to $156 in contrast with Los Altos ($145), Tanquecitos South Acres II ($144), Tanquecitos South Acres ($146).
  • New Homes discounts: New homes such as the 39,764 homes built between 2000 to 2009 in Laredo can save $205 and similar new home insurance discounts in nearby towns and cities like Los Altos, Tanquecitos South Acres II and Tanquecitos South Acres are $193, $192 and $195 respectively.

Laredo Homeowners insurance Facts

  • Laredo, TX has 40,005 owner occupied houses which is 62.9% of all units whereas Los Altos, Tanquecitos South Acres II and Tanquecitos South Acres have 100.0%, 100.0% and 84.91% respectively.
  • Laredo, TX homeowners yearly insurance price at $1,026 is 0.92% of the typical house value of $111,300 which is in contrast with 9.69% in Los Altos, 4.11% at Tanquecitos South Acres & 3.11% in San Carlos I.
  • Homeowners in Laredo, TX pay 1.87% of their income ($50,000 to $59,999) in insurance whereas homeowners in Rio Bravo, El Cenizo and Webb County pay 1.8%, 1.8% and 1.86% respectively.
  • Laredo, TX’s insurance is 6.3% of monthly housing costs of $1,349/month, for owners with a mortgage compared to 8.63% in Rio Bravo, 11.33% at El Cenizo & 6.37% in Webb County. But, for households without a mortgage, insurance is 18.6% of costs ($459 in Laredo, TX) in contrast with 23.17% in Rio Bravo, 28.98% at El Cenizo & 19.44% in Webb County.

Laredo, TX Home Values & Insurance rates

For example, insurance for 1,173 Homes (3.0% of total homes ) valued between $250,000 to $299,999 in Laredo, TX is about $2,534.

Laredo, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,422 11.0% $225
$50,000 to $59,999 2,006 5.0% $482
$60,000 to $69,999 2,126 5.0% $595
$70,000 to $79,999 2,370 6.0% $687
$80,000 to $89,999 2,914 7.0% $779
$90,000 to $99,999 3,282 8.0% $872
$100,000 to $124,999 6,367 16.0% $1005
$125,000 to $149,999 4,577 11.0% $1261
$150,000 to $174,999 4,305 11.0% $1497
$175,000 to $199,999 2,193 5.0% $1723
$200,000 to $249,999 2,181 5.0% $2072
$250,000 to $299,999 1,173 3.0% $2534
$300,000 to $399,999 1,072 2.0% $3221

Renters Insurance in Laredo

  • Average Renters Insurance in Laredo :  $212($17/month)

  • Median Gross Rent in Laredo :  $741

  • Laredo Renters Insurance to Median Rent Ratio:  2.29%

  • Average household size of renter-occupied unit :  3.55

Laredo Renters Insurance as a Percentage of Rent

Laredo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 410 1.0% $353
$200 to $299 827 3.0% $803
$300 to $499 2,650 11.0% $1253
$500 to $749 7,625 34.0% $1928
$750 to $999 6,617 29.0% $2678
$1,000 to $1,499 3,567 16.0% $3803
$1,500 or more 582 2.0% $5453

Protective device discount in Laredo Up to :  $31

Claims-free discount in Laredo Up to :  $42