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.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

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.

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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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.

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.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State