Best Cheap Auto Insurance in Waco, TX (2022)

Where can you find great car insurance rates and coverage in Waco, TX? What kind of Waco, TX auto insurance coverage do you need? You’ve come to the right place. Saving on Waco, Texas auto insurance is easy, and we’ve got tips for how to find the best rates for your needs.

Read this article for more on how to get cheap auto insurance in Waco, TX, minimum coverage requirements, and more.

Monthly Waco, TX Car Insurance Rates by ZIP Code

More: Best Cheap Auto Insurance in Beaumont, TX (2022)

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Waco, TX auto insurance rates by ZIP Code below:

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Waco, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Waco, TX against other top US metro areas’ auto insurance costs.

If you’re ready to find affordable Waco, TX car insurance, all you need to do is enter your ZIP code in our free tool to start comparing Waco, TX auto insurance quotes today.

What is the cheapest auto insurance company in Waco, TX?

More: Best Cheap Auto Insurance in Early, TX (2022)

What’s the cheapest Waco, TX car insurance company? You’ll find USAA and Nationwide offer the best rates.

The cheapest Waco, TX car insurance providers can be found below. You also might be wondering, “How do those Waco, TX rates compare against the average Texas car insurance company rates?” We uncover that too.

Take a look at this list, in which we’ve ranked some of the top car insurance companies in Waco, TX, by 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

More: Best Cheap Auto Insurance in Liberty Hill, TX (2022)

As we noted earlier, these rates are averages, so you can use them as a baseline, but there’s a good chance your rates will vary. This is because car insurance companies consider several personal factors when adjusting rates, including age, gender, marital status, driving history, and credit score.

As you might expect, where you live is also a factor, so if you’re looking for auto insurance in Dallas, Grand Prairie, TX, or anywhere else in the state, you may find your rates change.

Waco, Texas car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

Your coverage level will play a major role in your Waco, TX car insurance costs. Find the cheapest Waco, Texas car insurance costs by coverage level below:

Your credit score will play a major role in your Waco, TX car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Waco, Texas car insurance costs by credit score below.

Your driving record will affect your Waco, TX car insurance costs. For example, a Waco, Texas DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Waco, Texas car insurance costs by driving record.

Controlling these risk factors will ensure you have the cheapest Waco, Texas car insurance. Factors affecting car insurance rates in Waco, TX may include your commute, coverage level, tickets, DUIs, and credit.

Age is a significant factor for Waco, TX car insurance rates. Young drivers are often considered high-risk. This Waco, Texas does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Waco, TX.

What auto insurance coverage is required in Waco, TX?

Drivers in Waco, TX, are required to maintain auto insurance coverage that meets the minimum liability limits set in Texas.

To legally drive in Texas, you’ll need to carry:

• $30,000 per person and $60,000 per incident for bodily injury liability
• $25,000 per incident for property damage

As an at-fault state, Texas requires drivers to be accountable for their actions in an accident, meaning whoever is at fault will be financially responsible for the cost of injuries and damages.

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What affects auto insurance rates in Waco, TX?

Take a look at these Waco, TX driving facts for more on the variables that can affect your rates.

INRIX reports that Waco, TX, is 242nd in the nation for traffic congestion. This is significantly less congestion than in larger cities in Texas, so your Waco rates may be lower than auto insurance in Houston (which is ranked 8th for traffic congestion) or auto insurance in Austin (ranked 29th), for example.

Commutes in Waco average 16.1 minutes, as reported by City-Data.

Crime rates, specifically auto theft, are another factor auto insurance companies consider when adjusting rates. The FBI reports that 140 cars are stolen per 100,000 population in Waco.

Waco, TX Auto Insurance: The Bottom Line

The best way to get affordable Waco, TX auto insurance is to compare Waco, TX car insurance quotes from multiple companies. You should also look for discounts and ask about what you may qualify for.

Keep in mind that auto insurance rates vary based on where you live (as well as other factors we mentioned earlier). So you’ll find that auto insurance in San Antonio, TX will probably be different than your Waco, TX rates.

Ready to buy Waco, TX auto insurance? Use your ZIP code in the free tool on this page to start comparing Waco, TX auto insurance rates right now.