Who Has the Cheapest Car Insurance Rates for Nurses in Laredo?

For health professionals, one of the largest criteria that are looked at to help calculate insurance cost is where your residence is in Laredo. More densely populated places will most likely have higher rates, whereas more rural areas benefit from having to pay less for coverage.

The next table shows the most costly cities in Texas for nurses to purchase auto insurance in. Laredo is ranked #5 with an annual premium of $1,889 for the average policy, which is about $157 per month.

How much is auto insurance in Laredo, TX?
Rank City Average Per Year
1 McAllen $1,936
2 Brownsville $1,927
3 Dallas $1,911
4 Houston $1,909
5 Laredo $1,889
6 Mesquite $1,825
7 Amarillo $1,804
8 Garland $1,796
9 Pasadena $1,794
10 Beaumont $1,772
11 Grand Prairie $1,740
12 Irving $1,719
13 Arlington $1,709
14 San Antonio $1,688
15 Lubbock $1,682
16 Fort Worth $1,653
17 Austin $1,627
18 Carrollton $1,615
19 Plano $1,608
20 Corpus Christi $1,588
21 Waco $1,569
22 El Paso $1,568
23 McKinney $1,561
24 Killeen $1,533
25 Abilene $1,499
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Rate information is estimated as specific location information can modify prices significantly.

The make and model of vehicle you are insuring is a significant factor in finding cheap auto insurance for nurses. Vehicles with limited top-end speed, a plethora of safety features, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models. The data below illustrates car insurance prices for a handful of the most budget-friendly vehicles to buy coverage for.

Cheapest Vehicles to Insure in Laredo, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,298
Honda CR-V EX-L 2WD $1,449
Ford Escape Limited 2WD $1,457
Chevrolet Equinox LS AWD $1,531
Volkswagen Jetta S 2.5 Station Wagon $1,583
Dodge Grand Caravan SE $1,585
Honda Odyssey LX $1,611
Toyota Camry XLE $1,613
Toyota Corolla LE $1,623
Ford Edge Sport AWD $1,613
Hyundai Elantra SE 4-Dr Sedan $1,619
Toyota Prius $1,621
Chevrolet Malibu LTZ $1,641
Ford F-150 XL Regular Cab 4WD $1,649
GMC Sierra SL Extended Cab 2WD $1,677
Ford Focus S 4-Dr Sedan $1,693
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $1,700
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price information does not factor in garaging location in Laredo, TX which can lower or raise premiums greatly.

By looking at the data, you can presume that models like the Honda Accord, Honda CR-V, and Ford Escape are the less-costly vehicles to insure for health professionals.

Get discount Laredo auto insurance

Cheaper Laredo, TX auto insurance for health professionalsInsurance providers that sell policies for nurses may provide policy discounts that could potentially reduce rates by as much as 25% or more if you qualify for them. The best auto insurance companies and their possible discounts are shown below.

The diagram below shows the comparison of auto insurance costs with and without discounts applied. The premiums assume a female driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, claim-free, anti-theft, marriage, vehicle safety, and multiple policy discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for nurses is 28% or $425.

The diagram below demonstrates how choosing different deductibles can affect insurance costs when researching cheap insurance for nurses. The rate quotes are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

A 30-year-old driver could lower their car insurance rates by $302 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $456 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could save as much as $646 each year by selecting a higher deductible. If you do raise deductibles, it will be necessary to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Careless drivers pay higher rates

In a perfect world, the ideal way to obtain low auto insurance rates in Texas for health professionals is to be a safe driver and avoid getting tickets or having accidents. The information below highlights how traffic violations and at-fault collisions increase car insurance costs for different age categories. The rates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

The data charted above shows the average cost of an auto insurance policy in Laredo per year with no accidents and a clean driving record is $1,682. Get written up for one speeding ticket and the average cost jumps to $1,957, an increase of $275 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for nurses jumps again to an average of $4,269. That’s an increase of $2,587, or $216 per month, just for being a less-than-perfect driver!

How to find low-cost auto insurance for nurses

It is possible to find better rates, and here are many penny-pinching suggestions that can help Laredo drivers buy cheap car insurance.

The last item on the list is incredibly necessary, as was affirmed in the prior article. Auto insurance prices change constantly, so don’t be tentative to switch carriers if a better rate can be found. Staying with the same company for years is fine, but it’s not a great idea if your bullheadedness ends up costing you a fortune every year. In just a few minutes you could shop around and find cheaper auto insurance for nurses in Laredo.

If you aren’t clear which coverage you need and would like to have some professional guidance when shopping for cheaper insurance for nurses, the agents shown below are willing to answer your questions and help you decide which coverages are best.

To locate a Laredo car insurance agency closest to you, click the button following the list or click here to compare prices now.

Insurance and Financial Services At Champions LLC
6019 McPherson Rd Ste 6Laredo, TX 78041(956) 717-5770

Alphasure Affordable Insurance Services
1620 Chihuahua StLaredo, TX 78043(956) 729-9500

Castillo Insurance Agency
1413 E San Carlos StLaredo, TX 78041(956) 727-0129

View more Laredo, TX insurance agents