Who Has the Cheapest Auto Insurance for Drivers with a DUI in Laredo?

Figuring out which company offers the best insurance rates for drivers with a DUI involves a little more sweat in order to find the lowest price. Every car insurance company has a unique formula to determine rates, so let’s rank the most budget-friendly insurance companies in Texas.

It’s important to know that Texas insurance rates are calculated based on many things that may substantially change the price you have to pay. Simply turning a year older, filing a claim, or getting a reckless driving citation may cause policy rate changes that may make certain companies much cheaper than others.

Best Car Insurance Prices after a DUI

Click to Compare Rates Now

What’s the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,095
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,244
5 California Casualty $1,396
6 Esurance $1,421
7 Mercury $1,476
8 State Farm $1,510
9 Safe Auto $1,597
10 Nationwide $1,600
11 Progressive $1,664
12 Allstate $1,667
13 Amica $1,723
14 GEICO $2,072
15 Home State $2,155
16 Encompass $2,232
17 MetLife $2,249
18 Unitrin $2,310
19 21st Century $2,494
20 Titan $2,672
Find Your Rate Go

Travelers quotes some of the most affordable car insurance rates in Laredo at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the cheaper Laredo, TX auto insurance companies.

As shown above, if you buy coverage from Texas Farm Bureau and switched to Travelers, you could earn savings of roughly $201. Texas drivers with Germania Mutual may save as much as $234 a year, and California Casualty customers might cut rates by $386 a year.

It’s important to note that these policy rates are averages for all insureds and vehicles and and are not figured with an exact vehicle garaging location for drivers with a DUI. So the auto insurance company that fits your age and vehicle best may not even be in the top 23 companies shown above. That affirms the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.

The type of vehicle you are buying coverage for is probably the biggest factor when looking for the most affordable insurance for drivers with a DUI. Vehicles with lower acceleration and performance, good safety features, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models.

The list below presents auto insurance costs for a handful of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Laredo, TX
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $1,759
Ford Escape XLS 2WD $1,896
Ford Explorer XLT AWD $1,926
Honda Odyssey EX W/Rear Entertainment $1,995
Ford Edge Limited 2WD $2,001
Chevrolet Equinox LT AWD $2,035
Dodge Grand Caravan Crew $2,072
Chevrolet Malibu LT $2,077
Ford F-150 XLT Crew Cab 4WD $2,072
Toyota Prius $2,100
Honda Civic VP 4-Dr Sedan $2,107
Toyota Corolla LE $2,147
Hyundai Elantra SE 4-Dr Sedan $2,153
Toyota Camry XLE $2,147
Chevrolet Impala LTZ $2,157
Jeep Grand Cherokee Limited 4WD $2,184
Toyota Tacoma 2WD $2,202
Compare Cheap Rates Go

Prices above based on single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices substantially.

Looking at the numbers, you can conclude that vehicles like the Honda CR-V, Ford Escape, and Ford Explorer are going to be the cheaper vehicles to insure after getting a DUI. The cost of auto insurance will be more expensive because there is more claim risk for drivers with a DUI, but overall those particular vehicles will have the cheapest rates that you’ll find.

Ending up with a good quality car insurance provider can be challenging considering how many different companies sell coverage in Texas. The ranking information in the next section may help you decide which auto insurers you want to consider comparing price quotes from. These rankings are only made up of companies that insure vehicles across America, so companies that have a smaller presence are not included in this list.

Top Ten Insurance Companies for Drivers with a DUI in Laredo, TX
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

The illustration below illustrates how your deductible choice can impact insurance premiums when trying to find cheap insurance for drivers with a DUI. The rate quotes are based on a single male driver, full coverage, and no additional discounts are factored in.

The chart above illustrates that a 30-year-old driver could cut expenses by $352 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $530 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could potentially save as much as $1,026 annually by choosing larger deductibles on their policy.

When choosing a higher deductible, it’s a good idea to have spare funds to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Discount Laredo insurance

Cheaper Laredo, TX insurance after getting a DUIInsurance providers that provide coverage for drivers with a DUI may additionally offer rate discounts that could potentially reduce rates by 35% or more if you qualify for them. Large insurance companies and their possible discounts are outlined below.

The illustration below shows the difference between premium costs with and without policy discounts. The rate quotes are based on a male driver, two violations and no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with anti-theft, homeowner, paperless filing, multiple policy, continuous coverage, and multiple vehicle discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for drivers with a DUI is 28% or $898.