Cheap Car Insurance in Waxahachie, Texas (With 2021 Rates)

Save up to 50% on your Car Insurance
See how affordable remarkable customer service can be.
100% secure. We respect your privacy.
Home » Car insurance » Texas » Cheap Car Insurance Waxahachie

Lowest Premium

$383 / YEAR

Average Premium

$577 / YEAR

Highest Premium

$765 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

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.
Jump to Topic:

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.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

Get a free quote from the best of 200+ companies in 90 seconds.

Find affordable car insurance in your city

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

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.

ZipAvg. Premium

Insurance Agents in Waxahachie, TX and Near by

  • 0 mi
    Christopher Bearden
    100 N College St Ste 403, Waxahachie, TX 75165
    (817) 654-9208
  • 0 mi
    Cooper Insures
    311 Ferris Ave, Waxahachie, TX 75165
    (972) 938-9700
  • 0 mi
    David B. Box
    512 W Main St, Waxahachie, TX 75165
    (972) 938-7634
  • 0 mi
    SIG - H&H Insurance Services
    423 S College St, Waxahachie, TX 75165
    (469) 383-5900
  • 0 mi
    Reyes & Reyes Insurance Agency
    507 Ferris Ave, Waxahachie, TX 75165
    (972) 351-9977
  • 0 mi
    Davis Insurance Agency
    517 Ferris Ave, Waxahachie, TX 75165
    (972) 938-2224
  • 0 mi
    Bell-Scott Insurance Group
    138 N Highway 77, Waxahachie, TX 75165
    (972) 938-9676
  • 0 mi
    Almany's Insurance Agency
    150 S Highway 77, Waxahachie, TX 75165
    (972) 937-0979
  • 0 mi
    Steve Boulton
    117 N Highway 77, Waxahachie, TX 75165
    (972) 937-5474
  • 0 mi
    TWFG Insurance Services - Debbie Box
    804 Ferris Ave Ste 3, Waxahachie, TX 75165
    (972) 268-7175
  • 0 mi
    Kip Fedora
    903 Ferris Ave, Waxahachie, TX 75165
    (972) 938-1422
  • 0 mi
    Texas Farm Bureau Insurance
    122 N Highway 77, Waxahachie, TX 75165
    (972) 937-4640
  • 0 mi
    Erica Leveille
    1626 W Highway 287 Business Ste 101, Waxahachie, TX 75165
    (469) 214-8002
  • 0 mi
    Daniel Jones
    100 Executive Ct Ste 3, Waxahachie, TX 75165
    (972) 351-0042
  • 0 mi
    Virginia Allwardt
    101 Executive Ct Ste 400a, Waxahachie, TX 75165
    (469) 570-6130
  • 0 mi
    David Zabojnik
    507 N Highway 77 Ste 800, Waxahachie, TX 75165
    (469) 383-5158
  • 0 mi
    Ellis County Insurance Agency
    103 Executive Ct Ste 3, Waxahachie, TX 75165
    (972) 938-2801
  • 0 mi
    Don Atwell
    102 Professional Pl Ste 102, Waxahachie, TX 75165
    (469) 297-2184
  • 0 mi
    Adam Rope
    1314 W Highway 287 Byp Unit 100, Waxahachie, TX 75165
    (972) 938-3232
  • 0 mi
    Carlisle Group
    1701 W Highway 287 Byp, Waxahachie, TX 75165
    (972) 938-8001
  • 0 mi
    Carrington Insurance Agency
    2693 N Highway 77 Ste 1106, Waxahachie, TX 75165
    (972) 937-9900
  • 0 mi
    John Payne
    2693 N Highway 77 Ste 1100, Waxahachie, TX 75165
    (972) 935-9888
View all agents ↓

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 registered24,527,939
Total uninsured motorists14.1%
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.


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.