Compare Waco, TX Car Insurance Rates (2021)

The cheapest Waco, TX car insurance is from State Farm, but rates will vary by driver. Although auto insurance in Waco must meet the state minimum requirement of 30/60/25 in liability coverage, drivers are encouraged to raise the limits and add additional coverages. Compare Waco, TX car insurance rates online to find the cheapest coverage for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Sep 7, 2021

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Here's what you need to know...

  • State Farm is the cheapest car insurance company in Waco that offers coverage to all drivers
  • Waco, TX car insurance rates are below average
  • Waco has little traffic and theft

Waco, TX car insurance is lower than the average Texas car insurance rates. In fact, rates in Waco are some of the lowest in Texas and are below the national average, too.

Even though rates are low, you still want to find the most affordable Waco, TX car insurance out there. Shop around and compare rates from multiple companies to see who has cheap car insurance for you.

Monthly Waco, TX Car Insurance Rates by ZIP Code

Find more info about the monthly Waco, TX car insurance rates by ZIP Code below:

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Waco, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Waco, Texas against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to get free Waco, TX car insurance quotes today.

What is the cheapest car insurance company in Waco, TX?

Although USAA is actually the cheapest car insurance company in Waco, it only offers coverage to the military, veterans, and their families. The cheapest company that offers coverage to all drivers in Waco is State Farm.

The cheapest Waco, TX auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Texas auto insurance company rates?” We cover that as well.

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These are the top Waco, TX car insurance companies listed from least to most expensive:

  • USAA – $2,323.17
  • Nationwide – $2,712.16
  • GEICO – $2,722.20
  • State Farm – $2,870.35
  • American Family – $3,905.68
  • Progressive – $3,969.81
  • Allstate – $5,175.86

Many different factors are used to calculate your car insurance rates. Your age, gender, and driving record all play a part in your auto insurance rates.

Where you live also affects your rates. Since larger cities see more crime and traffic, rates are typically higher there. For example, Houston car insurance is some of the most expensive in the state.

Waco, Texas auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Waco, TX auto insurance rates. Find the cheapest Waco, Texas auto insurance rates by coverage level below:

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Your credit score will play a major role in your Waco, TX auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Waco, Texas auto insurance rates by credit score below.

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Your driving record will affect your Waco auto insurance rates. For example, a Waco, Texas DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Waco, Texas auto insurance rates by driving record.

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Factors affecting auto insurance rates in Waco, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Waco, Texas auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Waco. Texas does use gender, so check out the average monthly auto insurance rates by age and gender in Waco, TX.

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What car insurance coverage is required in Waco, TX?

Most states require at least a minimum amount of car insurance coverage. Drivers in Waco must carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

Collision insurance will cover any damages to your car, and personal injury protection covers your bodily injuries if you cause an accident.

Comprehensive covers damages to your car that aren’t the result of an accident, such as theft, vandalism, and acts of nature. This is especially helpful considering TX weather like hurricanes can damage your car.

Adding these coverages to your car insurance policy will ensure you are covered for damages.

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What affects car insurance rates in Waco, TX?

Traffic can affect your auto insurance rates because more cars on the road mean a higher chance of an accident.

INRIX ranks Waco as the 242nd most congested city in the U.S. This is good news for drivers.

City-Data reports that most drivers spend around 20 minutes commuting, and most of them drive alone.

Theft is something else that can raise your rates. If you live in a high crime area, car insurance companies will increase your rates to offset their costs. According to the FBI, there were only 191 motor vehicle thefts in one year in Waco.

Waco, TX Car Insurance: The Bottom Line

Waco car insurance is some of the cheapest in Texas. But, before you buy Waco, TX car insurance, shop around to find the best deal. Each company charges a different rate so be sure to compare multiple companies.

Enter your ZIP code now to compare Waco, TX car insurance rates from multiple companies for free.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Waco, TX Car Insurance Rates by ZIP Code
Waco, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Waco, TX Car Insurance Rates by Company vs. City Average
Waco, TX Car Insurance Rates by Company and Age
The Cheapest Waco, TX Car Insurance Rates by Coverage Level
The Cheapest Waco, TX Car Insurance Rates by Credit Score
The Cheapest Waco, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Waco, TX
Average Monthly Car Insurance Rates by Age & Gender in Waco, TX
Monthly Waco, TX Car Insurance Rates by ZIP Code
Waco, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Waco, TX Car Insurance Rates by Company vs. City Average
Waco, TX Car Insurance Rates by Company and Age
The Cheapest Waco, TX Car Insurance Rates by Coverage Level
The Cheapest Waco, TX Car Insurance Rates by Credit Score
The Cheapest Waco, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Waco, TX
Average Monthly Car Insurance Rates by Age & Gender in Waco, TX