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Home » Car insurance » Texas » Cheap Car Insurance Waco

Cheap Car Insurance in Waco

Lowest Premium

$318 / YEAR

Average Premium

$489 / YEAR

Highest Premium

$685 / YEAR

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

The average annual premium in Waco is around $489 and can go upto $685. 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.

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 Cheap Car Insurance Quotes in Your Area

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 Waco by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Waco. 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
76701$462
76702$506
76704$470
76705$468
76708$494
76710$489
76711$461
76798$467

Insurance Agents in Waco, TX and Near by

Agents by ZIP code:
  • 0 mi
    Waco Tax Service and Insurance
    2024 W Waco Dr Ste 2, Waco, TX 76701
    (254) 230-9891
  • 0 mi
    Texian Insurance Agency
    2208 W Waco Dr, Waco, TX 76701
    (254) 756-4242
  • 0 mi
    Bailey Insurance & Risk Management
    1201 Washington Ave, Waco, TX 76701
    (254) 753-5317
  • 0 mi
    John Zucha
    1026 Washington Ave, Waco, TX 76701
    (254) 753-5200
  • 0 mi
    SIG - Lewis Insurance Group
    801 Washington Ave Ste 417, Waco, TX 76701
    (254) 753-2505
  • 0 mi
    ANCO Insurance
    605 Austin Ave Ste 5, Waco, TX 76701
    (254) 752-2626
  • 0 mi
    Insurors of Texas
    225 S 5th St, Waco, TX 76701
    (254) 759-3701
  • 0 mi
    Isaiah Martinez
    220 S 2nd St Ste 1, Waco, TX 76701
    (254) 300-4636
  • 1.16 mi
    Freeway Insurance
    2425 W Waco Dr, Waco, TX 76707
    (254) 985-6076
  • 1.16 mi
    Carlos Diaz Insurance Agency
    1216 N 25th St, Waco, TX 76707
    (254) 752-1875
  • 1.16 mi
    Watkins Insurance Group
    3001 W Waco Dr Ste A, Waco, TX 76707
    (254) 714-1300
  • 2.74 mi
    ICA Insurance Agency
    702 S Valley Mills Dr Apt C, Waco, TX 76711
    (254) 752-3366
  • 2.74 mi
    Texian Insurance Agency
    3421 Memorial Dr, Waco, TX 76711
    (254) 753-1063
  • 2.74 mi
    Matt Dill
    1000 S New Rd Ste 180, Waco, TX 76711
    (254) 752-2022
  • 3.46 mi
    Nitsche Group
    329 W Highway 6 Ste A, Waco, TX 76710
    (254) 420-3900
  • 3.46 mi
    Regions Insurance
    6801 Sanger Ave Ste 240, Waco, TX 76710
    (800) 467-7617
  • 3.46 mi
    Fitzhugh Insurance & Bonds
    345 Owen Ln Ste 130, Waco, TX 76710
    (254) 741-9599
  • 3.46 mi
    Salinas Insurance Agency
    345 Owen Ln Ste 129, Waco, TX 76710
    (254) 741-0770
  • 3.46 mi
    Paragon Independent Insurance Agency
    6600 Sanger Ave Ste 2, Waco, TX 76710
    (254) 235-5111
  • 3.46 mi
    ISG - Libertas Insurance
    6600 Sanger Ave Ste 9, Waco, TX 76710
    (512) 761-6379
  • 3.46 mi
    Mark Bailey
    6515 Sanger Ave Ste 17, Waco, TX 76710
    (254) 772-0060
  • 3.46 mi
    Autopartners Insurance Agency
    2510 W Waco Dr, Waco, TX 76710
    (254) 296-2228
  • 3.46 mi
    A-Max Auto Insurance
    2500 W Waco Dr, Waco, TX 76710
    (254) 752-8000
  • 3.46 mi
    David Gonzales
    2501 Franklin Ave, Waco, TX 76710
    (254) 772-2631
  • 3.46 mi
    Vista Insurance Agency
    2800 W Waco Dr, Waco, TX 76710
    (254) 230-4361
  • 3.46 mi
    Mike McKenzie
    2910 W Waco Dr, Waco, TX 76710
    (254) 412-2327
  • 3.46 mi
    Acceptance Auto Insurance
    3609 W Waco Dr, Waco, TX 76710
    (254) 537-0380
  • 3.46 mi
    Insurors of TX General Agency
    3701 W Waco Dr, Waco, TX 76710
    (254) 756-3731
  • 3.46 mi
    Baker and Carey Insurance Agency
    3529 Bosque Blvd, Waco, TX 76710
    (254) 752-2277
  • 3.46 mi
    Henry Chase
    3925 W Waco Dr Ste B, Waco, TX 76710
    (254) 235-7619
  • 3.46 mi
    Addax Insurance
    719 N New Rd, Waco, TX 76710
    (254) 732-4046
  • 3.46 mi
    J & H Insurance Services
    510 N Valley Mills Dr Ste 701, Waco, TX 76710
    (254) 772-6074
  • 3.46 mi
    Harry Cleveland
    534 N New Rd, Waco, TX 76710
    (254) 772-1111
  • 3.46 mi
    Doug Buchanan
    536 N New Rd, Waco, TX 76710
    (254) 741-6565
  • 3.46 mi
    Amco & Remco Insurance
    737 N Valley Mills Dr, Waco, TX 76710
    (254) 772-6300
  • 3.46 mi
    Mark Sedberry
    4600 Bosque Blvd, Waco, TX 76710
    (254) 537-1049
  • 3.46 mi
    Donald Rowan Insurance Agency
    537 Westview Vlg, Waco, TX 76710
    (254) 772-8728
  • 3.46 mi
    Bart Romig
    919 N Valley Mills Dr Ste A, Waco, TX 76710
    (254) 772-5025
  • 3.46 mi
    Terry Strickland
    4949 Franklin Ave, Waco, TX 76710
    (254) 776-7100
  • 3.46 mi
    Jason Kirk
    1201 Lake Air Dr Ste C, Waco, TX 76710
    (254) 227-6555
  • 3.46 mi
    Alan Rhea
    4708 W Waco Dr, Waco, TX 76710
    (254) 776-9595
  • 3.46 mi
    Browder General Insurance Agency
    4800 Lakewood Dr Ste 3, Waco, TX 76710
    (254) 776-1582
  • 3.46 mi
    John Michael Bull
    1600 Lake Air Dr, Waco, TX 76710
    (254) 772-0852
  • 3.46 mi
    Glenn Cannon
    4800 W Waco Dr Ste 102, Waco, TX 76710
    (254) 732-1622
  • 3.46 mi
    Texas First State Insurance Plus Agency
    5001 Bosque Blvd, Waco, TX 76710
    (254) 399-5109
  • 3.46 mi
    Easley Insurance & Financial Services
    5006 Lakeland Cir Ste 208, Waco, TX 76710
    (254) 399-0600
  • 3.46 mi
    Darlene Vise
    5010 Lakeland Cir Ste C, Waco, TX 76710
    (254) 227-0251
  • 3.46 mi
    Nicole Omo
    1515 Wooded Acres Dr, Waco, TX 76710
    (254) 399-6565
  • 3.46 mi
    The Insurance Center of Central Texas
    2012 Lake Air Dr Ste B, Waco, TX 76710
    (254) 776-1290
  • 3.46 mi
    Direct General Auto Insurance
    1428 Wooded Acres Dr Ste 110, Waco, TX 76710
    (254) 399-6699
  • 3.46 mi
    Jeffrey Pechacek
    812 Lake Air Dr, Waco, TX 76710
    (254) 776-1599
  • 3.46 mi
    Blake Harrell
    720 Lake Air Dr, Waco, TX 76710
    (254) 772-0171
  • 3.46 mi
    Keith Sanders
    4201 Lake Shore Dr Ste F, Waco, TX 76710
    (254) 235-8199
  • 3.46 mi
    Joseph Morphis
    1412 N Valley Mills Drive, Waco, TX 76710
    (254) 776-0215
  • 3.46 mi
    Richard Tyrone Allen
    5601 Edmond Ave Ste E, Waco, TX 76710
    (254) 339-9375
  • 3.46 mi
    Robert Hyde
    1838 N Valley Mills Dr, Waco, TX 76710
    (254) 227-6558
  • 3.46 mi
    Scott Everett
    1838 N Valley Mills Dr, Waco, TX 76710
    (254) 227-6553
  • 3.46 mi
    Jeff Holder
    1838 N Valley Mills Dr, Waco, TX 76710
    (254) 227-6556
  • 3.46 mi
    Steven Tindell
    1838 N Valley Mills Dr, Waco, TX 76710
    (254) 227-6550
  • 3.46 mi
    Sue Berry
    331 W Highway 6 Ste F, Waco, TX 76710
    (254) 772-2040
  • 3.46 mi
    Brian Hartley
    331 W Highway 6 Ste F, Waco, TX 76710
    (254) 741-0414
  • 3.46 mi
    Steven Gereghty
    2032a N Valley Mills Dr, Waco, TX 76710
    (254) 741-9200
  • 3.46 mi
    Goosehead Insurance - Jami Curry & Marla Holmes
    7111 Bosque Blvd Ste 203, Waco, TX 76710
    (254) 523-0301
  • 3.46 mi
    Brazos Valley Insurance Agency
    7111 Bosque Blvd Ste 202, Waco, TX 76710
    (254) 751-0300
  • 3.46 mi
    Integra Insurance Services
    7215 Bosque Blvd Ste 120, Waco, TX 76710
    (972) 786-3656
  • 5.73 mi
    Waco Tax Service and Insurance
    1206 N Loop 340 Ste B, Waco, TX 76705
    (254) 799-2800
  • 5.73 mi
    John Chappell
    2507a Behrens Cir, Waco, TX 76705
    (254) 339-1777
  • 5.73 mi
    Matula Insurance Agency
    2720 Bellmead Dr, Waco, TX 76705
    (254) 799-9616
  • 5.73 mi
    Direct General Auto Insurance
    119 Eastgate Plz, Waco, TX 76705
    (254) 523-3493
  • 6.53 mi
    A-Max Auto Insurance
    1706 S 19th St, Waco, TX 76706
    (254) 753-2000
  • 6.53 mi
    Herman Bell Insurance Agency
    2118 La Salle Ave, Waco, TX 76706
    (254) 756-0691
  • 6.53 mi
    Amanda Barton
    2125 S Valley Mills Dr, Waco, TX 76706
    (254) 857-7277
  • 6.53 mi
    Talbert West Agency
    107 Meadowbrook St, Waco, TX 76706
    (254) 715-3030
  • 6.53 mi
    David Dickerson
    505 N Robinson Dr, Waco, TX 76706
    (254) 662-1958
  • 6.53 mi
    TWFG Insurance Services - Brad Dixon
    506 S Robinson Dr, Waco, TX 76706
    (254) 776-1986
  • 6.53 mi
    Bill Haddox Insurance
    100 N Robinson Dr, Waco, TX 76706
    (254) 662-4171
  • 6.72 mi
    Rick Cummings
    6801 Steinbeck Bend Dr, Waco, TX 76708
    (254) 756-0130
  • 6.72 mi
    Budget Auto Insurance
    3801 N 22nd St, Waco, TX 76708
    (254) 235-0515
  • 6.72 mi
    Texas Farm Bureau Insurance
    10201 China Spring Rd Ste 100, Waco, TX 76708
    (254) 836-9893
  • 6.72 mi
    Steve McCraw
    10324 China Spring Rd Ste B, Waco, TX 76708
    (254) 754-7677
View all agents ↓

Learn More About Car Insurance in Waco, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

https://www.thezebra.com/insurance-news/3698/car-insurance-cover-out-of-state/

References

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.