Compare Waco, GA Car Insurance Rates (2021)

Car insurance in Waco, GA averages $428 a month. Waco, Georgia car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Waco car insurance rates, compare quotes from the top car insurance companies in Waco, GA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Waco for teen drivers is GEICO
  • The cheapest car insurance company in Waco is GEICO
  • Average car insurance rates in Waco, GA are $5,137/year

If you need to buy Waco, Georgia car insurance, the options can be confusing. Everything you need to know about car insurance in Waco, GA is right here.

You’ll find Waco car insurance rates, the cheapest Waco, GA car insurance companies, and information on Georgia car insurance laws. You can also compare Waco, Georgia car insurance rates to Columbus car insurance rates, Albany car insurance rates, and Smyrna car insurance rates.

Ready to find affordable Waco, GA car insurance today? Enter your ZIP code for fast, free Waco car insurance quotes.

Cheapest Waco, GA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Waco, GA car insurance rates? Every Waco, Georgia car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waco, Georgia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,796 $2,796 $2,673 $2,673 $6,586 $8,525 $3,136 $3,428
GEICO $1,683 $1,665 $1,634 $1,634 $5,068 $6,075 $2,184 $2,416
Liberty Mutual $5,176 $5,631 $4,236 $4,804 $22,047 $24,609 $5,486 $5,834
Nationwide $4,219 $4,365 $4,155 $4,578 $13,188 $17,025 $5,150 $5,599
Progressive $3,151 $2,868 $2,706 $2,861 $10,006 $11,077 $3,607 $3,740
State Farm $2,430 $2,430 $2,185 $2,185 $6,556 $8,601 $2,669 $2,889
USAA $1,849 $1,845 $1,715 $1,720 $6,714 $7,963 $2,305 $2,545

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Minimum Car Insurance in Waco, GA

Every driver must carry the minimum car insurance in Waco, GA. Take a look at the Georgia car insurance requirements.

Minimum Required Car Insurance Coverage in Waco, Georgia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Waco, GA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Waco, GA. Compare credit history car insurance rates in Waco from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Waco, Georgia

Insurance Company Poor Fair Good
Allstate $5,278 $3,672 $3,279
GEICO $3,515 $2,471 $2,399
Liberty Mutual $13,927 $8,553 $6,704
Nationwide $8,691 $7,025 $6,139
Progressive $5,632 $4,875 $4,499
State Farm $5,306 $3,305 $2,619
USAA $4,341 $3,051 $2,604

Cheapest Waco, GA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Waco, GA to rates for a clean record with top companies.

Annual Waco, Georgia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,367 $5,166 $4,233 $3,541
GEICO $1,887 $2,360 $4,817 $2,115
Liberty Mutual $7,384 $10,092 $11,601 $9,834
Nationwide $5,593 $6,572 $10,180 $6,794
Progressive $3,888 $6,950 $4,638 $4,532
State Farm $3,406 $4,081 $3,743 $3,743
USAA $2,545 $3,223 $4,723 $2,837

Cheapest Waco, GA Car Insurance for Teen Drivers

Teen car insurance in Waco, GA can be expensive. Take a look at rates from the top car insurance companies in Waco for teenagers.

Annual Car Insurance Rates for Teen Drivers in Waco, Georgia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,586 $8,525
GEICO $5,068 $6,075
Liberty Mutual $22,047 $24,609
Nationwide $13,188 $17,025
Progressive $10,006 $11,077
State Farm $6,556 $8,601
USAA $6,714 $7,963

Cheapest Waco, GA Car Insurance for Seniors

Take a look at Waco, GA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Waco, Georgia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,673 $2,673
GEICO $1,634 $1,634
Liberty Mutual $4,236 $4,804
Nationwide $4,155 $4,578
Progressive $2,706 $2,861
State Farm $2,185 $2,185
USAA $1,715 $1,720

Cheapest Waco, GA Car Insurance Rates After a DUI

A DUI in Waco, GA increases car insurance rates. Compare Waco, Georgia DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Waco, Georgia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,233
GEICO $4,817
Liberty Mutual $11,601
Nationwide $10,180
Progressive $4,638
State Farm $3,743
USAA $4,723

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Cheapest Waco, GA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Waco, GA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Waco, Georgia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,987 $4,166
GEICO $2,747 $2,842
Liberty Mutual $9,728 $9,728
Nationwide $7,285 $7,285
Progressive $5,002 $5,002
State Farm $3,743 $3,743
USAA $3,180 $3,484

The Best Cheap Car Insurance Companies in Waco, GA

Take a look at a side-by-side comparison of the top car insurance companies in Waco, GA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Waco, Georgia

Insurance Company Average Annual Rates
Allstate $4,077
GEICO $2,795
Liberty Mutual $9,728
Nationwide $7,285
Progressive $5,002
State Farm $3,743
USAA $3,332

Category Winners: Cheapest Car Insurance in Waco, Georgia

Find the cheapest car insurance companies in Waco, GA for each category right here.

Best Annual Car Insurance Rates by Company in Waco, Georgia

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Waco, GA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Waco car insurance rates. Find the cheapest Waco, GA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Waco, Georgia

Insurance Company Low Medium High
Allstate $3,805 $4,111 $4,314
GEICO $2,600 $2,808 $2,977
Liberty Mutual $9,336 $9,676 $10,172
Nationwide $7,164 $7,415 $7,276
Progressive $4,483 $4,903 $5,621
State Farm $3,501 $3,746 $3,983
USAA $3,187 $3,316 $3,493

What affects car insurance rates in Waco, Georgia?

What factors can have an impact on Waco, GA car insurance? There are several reasons why Waco car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Waco, Georgia.

Commute Time in Waco

The more time you spend in your car the higher the risk of an accident. The average commute length in Waco, GA is 32.3 minutes according to City-Data.

Traffic in Waco

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Waco, GA traffic data from INRIX ranks Waco as the 918th-most congested in the world.

Compare Car Insurance Quotes in Waco, GA

Ready to find affordable Waco, Georgia car insurance today? Enter your ZIP code for fast, free Waco, GA car insurance quotes.

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