Lowest Premium
$383 / YEAR
Average Premium
$577 / YEAR
Highest Premium
$765 / YEAR
The average annual premium in Waxahachie is around $577 and can go upto $765. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.
Texas Car Insurance Minimum Requirement by Law
As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:
- $30,000 coverage for all types of bodily injury suffered by one individual in one accident
- Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
- Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered
The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.
| Company | Annual premium (50/100/50) | Market share | Complaints |
|---|---|---|---|
| Geico | $350 | 6.00% ($1,151,485,019) | 1 |
| Farmers | $385 | 7.98% ($1,530,613,603) | 2 |
| State Farm | $390 | 16.03% ($3,074,590,659) | 119 |
| Allstate | $495 | 7.38% ($1,416,050,038) | 4 |
| Liberty Mutual | $550 | 4.36% ($836,938,040) | 64 |
| Progressive | $660 | 8.75% ($1,678,264,745) | 0 |
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Car Insurance Rates in Waxahachie by ZIP codes
The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Waxahachie. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.
| Zip | Avg. Premium |
|---|---|
| 75165 | $559 |
| 75167 | $586 |
Insurance Agents in Waxahachie, TX and Near by
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0 miChristopher Bearden100 N College St Ste 403, Waxahachie, TX 75165(817) 654-9208View |
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0 miCooper Insures311 Ferris Ave, Waxahachie, TX 75165(972) 938-9700View |
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0 miDavid B. Box512 W Main St, Waxahachie, TX 75165(972) 938-7634View |
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0 miSIG - H&H Insurance Services423 S College St, Waxahachie, TX 75165(469) 383-5900View |
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0 miReyes & Reyes Insurance Agency507 Ferris Ave, Waxahachie, TX 75165(972) 351-9977View |
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0 miDavis Insurance Agency517 Ferris Ave, Waxahachie, TX 75165(972) 938-2224View |
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0 miBell-Scott Insurance Group138 N Highway 77, Waxahachie, TX 75165(972) 938-9676View |
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0 miAlmany's Insurance Agency150 S Highway 77, Waxahachie, TX 75165(972) 937-0979View |
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0 miSteve Boulton117 N Highway 77, Waxahachie, TX 75165(972) 937-5474View |
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0 miTWFG Insurance Services - Debbie Box804 Ferris Ave Ste 3, Waxahachie, TX 75165(972) 268-7175View |
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0 miKip Fedora903 Ferris Ave, Waxahachie, TX 75165(972) 938-1422View |
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0 miTexas Farm Bureau Insurance122 N Highway 77, Waxahachie, TX 75165(972) 937-4640View |
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0 miErica Leveille1626 W Highway 287 Business Ste 101, Waxahachie, TX 75165(469) 214-8002View |
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0 miDaniel Jones100 Executive Ct Ste 3, Waxahachie, TX 75165(972) 351-0042View |
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0 miVirginia Allwardt101 Executive Ct Ste 400a, Waxahachie, TX 75165(469) 570-6130View |
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0 miDavid Zabojnik507 N Highway 77 Ste 800, Waxahachie, TX 75165(469) 383-5158View |
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0 miEllis County Insurance Agency103 Executive Ct Ste 3, Waxahachie, TX 75165(972) 938-2801View |
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0 miDon Atwell102 Professional Pl Ste 102, Waxahachie, TX 75165(469) 297-2184View |
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0 miAdam Rope1314 W Highway 287 Byp Unit 100, Waxahachie, TX 75165(972) 938-3232View |
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0 miCarlisle Group1701 W Highway 287 Byp, Waxahachie, TX 75165(972) 938-8001View |
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0 miCarrington Insurance Agency2693 N Highway 77 Ste 1106, Waxahachie, TX 75165(972) 937-9900View |
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0 miJohn Payne2693 N Highway 77 Ste 1100, Waxahachie, TX 75165(972) 935-9888View |
Learn More About Car Insurance in Waxahachie, TX
Helpful Info on Texas Car Insurance
Here is a list of useful information regarding Texas car insurance and driving in Texas roads.
| Total vehicles registered | 24,527,939 |
| Total uninsured motorists | 14.1% |
| Estimated economic loss of all vehicle crashes | $38.4 billion |
Sources: uninsured motorists, 2015, crash report, 2018
Different car insurance coverage options available in Texas
There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.
- Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
- Collision covers for the expenses on your car caused by accident.
- Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
- Medical payments cover your's and your passenger's medical bills
- Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
- Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
- Towing and labor covers for the pay for towing your car and labor cost.
- Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.