Best Cheap Auto Insurance in Waco, KY (2021)

The average Waco, KY auto insurance rates are $342 per month. The minimum auto insurance in Waco is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Waco, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Waco, Kentucky is 25/50/25
  • The most expensive auto insurance company in Waco for teen drivers is Allstate
  • The cheapest auto insurance company in Waco is USAA

Waco, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Waco can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Waco, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Waco to other Kentucky cities, including Florence auto insurance rates, Independence auto insurance rates, and George auto insurance rates to see how Waco, Kentucky auto insurance rates stack up.

Before you buy Waco, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Waco, Kentucky auto insurance quotes.

Minimum Auto Insurance in Waco, Kentucky

Waco, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Waco, Kentucky.

Minimum Required Auto Insurance Coverage in Waco, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Waco, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Waco, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Waco, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,062 $3,010 $2,784 $2,966 $11,840 $13,304 $3,350 $3,523
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,628 $2,847 $2,221 $2,485 $11,403 $12,645 $2,746 $2,859
Nationwide $3,068 $3,067 $2,775 $2,893 $7,042 $8,761 $3,493 $3,668
Progressive $2,068 $1,957 $1,869 $1,871 $10,339 $11,704 $2,562 $2,606
State Farm $1,588 $1,588 $1,420 $1,420 $4,510 $5,739 $1,768 $1,947
Travelers $1,968 $2,000 $1,947 $1,949 $9,607 $15,435 $2,063 $2,348
USAA $1,668 $1,662 $1,518 $1,531 $4,504 $4,721 $2,088 $2,270

Cheap Waco, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Waco, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Waco, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Waco, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,840 $13,304
GEICO $6,635 $7,852
Liberty Mutual $11,403 $12,645
Nationwide $7,042 $8,761
Progressive $10,339 $11,704
State Farm $4,510 $5,739
Travelers $9,607 $15,435
USAA $4,504 $4,721

Cheap Waco, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Waco, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Waco, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,784 $2,966
GEICO $3,309 $2,996
Liberty Mutual $2,221 $2,485
Nationwide $2,775 $2,893
Progressive $1,869 $1,871
State Farm $1,420 $1,420
Travelers $1,947 $1,949
USAA $1,518 $1,531

Cheap Waco, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Waco, Kentucky compared to the annual auto insurance rates with a clean record in Waco, Kentucky.

Annual Waco, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,500 $5,933 $6,373 $5,113
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $4,145 $6,394 $4,967 $4,410
Nationwide $3,469 $4,468 $5,633 $3,813
Progressive $3,613 $5,372 $4,118 $4,386
State Farm $2,295 $2,700 $2,498 $2,498
Travelers $4,068 $4,182 $6,052 $4,357
USAA $1,885 $2,654 $3,173 $2,269

Cheap Waco, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Waco, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Waco, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Waco, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,373
GEICO $6,360
Liberty Mutual $4,967
Nationwide $5,633
Progressive $4,118
State Farm $2,498
Travelers $6,052
USAA $3,173

Cheap Waco, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Waco, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Waco, Kentucky

Insurance Company Poor Fair Good
Allstate $7,243 $5,022 $4,174
GEICO $6,508 $3,249 $2,117
Liberty Mutual $7,113 $4,377 $3,447
Nationwide $5,260 $4,162 $3,616
Progressive $4,867 $4,266 $3,984
State Farm $3,592 $2,186 $1,714
Travelers $5,190 $4,410 $4,395
USAA $3,694 $2,086 $1,705

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Cheap Waco, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Waco, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Waco, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Waco, Kentucky

ZIP Code Average Annual Rates
40385 $3,701

Cheap Waco, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Waco, Kentucky auto insurance. Find the cheapest annual Waco, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Waco, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,480 $5,480
GEICO $3,921 $3,995
Liberty Mutual $4,979 $4,979
Nationwide $4,346 $4,346
Progressive $4,372 $4,372
State Farm $2,434 $2,561
Travelers $4,665 $4,665
USAA $2,403 $2,587

Cheap Waco, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Waco, Kentucky? Check out the comparison of annual Waco, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Waco, Kentucky

Insurance Company Low Medium High
Allstate $5,091 $5,458 $5,890
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,711 $4,945 $5,281
Nationwide $4,367 $4,301 $4,370
Progressive $3,996 $4,307 $4,813
State Farm $2,315 $2,493 $2,685
Travelers $4,405 $4,687 $4,902
USAA $2,365 $2,488 $2,633

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Best By Category: Cheapest Auto Insurance in Waco, Kentucky

Compare the cheapest auto insurance companies in Waco, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Waco, Kentucky

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Waco, Kentucky Auto Insurance Companies

What auto insurance companies in Waco, Kentucky are the cheapest? Compare the top Waco, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Waco, Kentucky

Insurance Company Average Annual Rates
Allstate $5,480
GEICO $3,958
Liberty Mutual $4,979
Nationwide $4,346
Progressive $4,372
State Farm $2,498
Travelers $4,665
USAA $2,495

What affects auto insurance rates in Waco, Kentucky?

There are a lot of reasons why auto insurance rates in Waco, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Waco, Kentucky. Many local factors may affect your Waco auto insurance rates.

Waco Traffic

How does Waco, Kentucky rank for traffic? According to Inrix Waco, Kentucky is the 918th most congested worldwide.

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Compare Waco, Kentucky Auto Insurance Quotes

Before you buy Waco, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Waco, Kentucky auto insurance quotes.

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