Best Cheap Auto Insurance in Waco, TX (2021)

Waco, TX auto insurance rates average $282/mo or $3,383/yr. USAA and Nationwide offer the cheapest Waco, TX car insurance. You’ll need to buy Waco, TX car insurance that at least meets the state minimum liability requirement of 30/60/25 for bodily injury and property damage coverage. Finding affordable Waco, TX auto insurance is as easy as comparing 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: Apr 26, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • USAA and Nationwide offer the cheapest Waco, TX car insurance rates
  • Waco, TX auto insurance rates average $282 per month and $3,383 per year
  • Texas requires all drivers to carry minimum liability coverage of at least 30/60/25 to drive legally

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.

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?

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

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

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.

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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.

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.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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