Waco, TX Auto Insurance Rates

Waco, TX residents can save $490 by comparing multiple quotes & reading reviews & research on Waco car insurance rates, quotes, agents & coverage.

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$1032 $1225 $1498

Latest Auto Insurance Reviews in Waco, Texas

Premium's are the lowest I have found anywhere, we had 4 cars on our policy and still were well under budget for car insurance and deductibles were pretty close to the same and all others.
I have never had an issue with their customer service! They have always been helpful and directed me in the right direction to the best possible deals if they didn't offer coverage.
i would recommend to to anyone they have great service and their prices are the best, they also have discounts for many different things including how long you have been with them.
State Farm
State farm has always tried to get me the best options and deals and offerings they could.
I would recommend it just for the simple fact that it is inexpensive and I haven't had any issues with them for as long as I have had them so far.
The customer service is always average, they do the job that is needed and give me no troubles whats so ever.
I would recommend them to people because of their rates and their services provided to military families. Many people may qualify and do not take advantage of the opportunity.
I would recommend this company for any insurances. They are great and they care about their customers.
Liberty Mutual
We have a large deductible, probably 1000. I wish I could lower to 500 but I don't think I could afford the rates then.
I have never really shopped around, my parents have AAA and when I got mine I just stuck with the same company. I've never really done any comparative shopping.
I have never really shopped around, my parents have AAA and when I got mine I just stuck with the same company. I've never really done any comparative shopping.
I like that USAA offers quality auto insurance coverage and gives members a dividend at the end of the year based on the total amount of insurance premiums paid, both auto and home owner's.
I feel that the premiums are a bit high since I have never had to make a claim but I have paid them enough over the years to buy 2 brand new cars. I also don't care for the fact that I don't get a discount for paying my bill in large amounts instead of monthly.
State Auto
THis is the first few months of this new insurance so overall, I am satisfied. I am leery of how much discount I will actually get through a good driving record but if it keeps going as it has been then I would rate higher than most.
Farmer's Insurance
I like that I can do all my insurance without having to talk with a live person or see someone in person. I can interact with customer support online and through the app and it can be done over text.
The best thing about about my company is that they offer good insurance at a reasonable price when compared to other insurance companies.
Write Your Review | Waco, Texas Auto Insurance Analysis
Liberty Mutual, Waco, TX
$78/1 month
Car Insurance Policy Holder
  • Married 37 Years old Female licensed 7 years ago with Leased Dodge Durango SXT used for Commute to Work or School with estimated annual mileage of 20,001+.
  • Lawyer & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $300K (Per Person Bodily Injury) / $500K (Per Accident Bodily Injury)
  • 25 K Property Damage
  • 300 K Personal Injury Protection
  • 30 K Uninsured Motorists Bodily Injury
  • 60 K Uninsured Motorists Property Damage

Waco Car Insurance Rate Comparisons

Waco, TX's average car insurance of $1225 differs from Lorena, TX (+$405), Lacy-Lakeview (+$865), Woodway, TX (-$13) and Texas (+$320)

Waco Lorena, TX Lacy-Lakeview Woodway, TX Texas
Median Insurance Rates $1225 +$405 +$865 -$13 +$320

Waco Car Insurance Savings By Neighborhood & Street Area

Waco Driver Street Residence & Car Locations Car Details in Waco Waco Driver Demographics Waco Auto Insurance Estimates Recent Waco Insurance Savings
Melondale Dr2003 Buick Century Base19 year teenager$2381$403
Fox Hill Dr2009 Ford Fusion SE19 year male teenager$2578$435
Holt Ave2007 Chrysler 300 Base42 year married man$1413$480
S 9th A St2011 Hyundai Sonata GLS18 year female teenager$2202$785
East Waco
Industrial Blvd E2006 Chevrolet Silverado 2500HD Work Truck72 year female senior$1215$407
State St2009 Mazda MAZDA3 i Sport35 year married woman$1031$777
Elk Rd2011 Lincoln MKZ Base48 year man$1652$445
Chappel Hill Rd2007 GMC Sierra 1500 SLT80 year senior$1283$639
Bullhide Creek Rd2011 Toyota Prius III54 year woman$1050$609
Golinda Dr2014 Volkswagen Jetta S68 year male senior$1306$981

Waco Post DUI Car Insurance Rates

Waco Chilton Ross McGregor Texas
Median Post DUI Insurance Rate $2278 +$1609 +$1144 +$958 +$595
Male Teenager Post DUI Insurance Rate $5194 +$3668 +$2608 +$2184 +$1356
Female Teenager Post DUI Insurance Rate $4350 +$3073 +$2186 +$1830 +$1137

The Post DUI insurance in Waco, TX's is $2278 compared to Chilton (+$1609), Ross (+$1144), McGregor (+$958) and Texas (+$595)

In Waco, a male teenager with Post DUI pays $844 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2007 Chrysler 300 Base in Waco, TX would pay $4914 on auto insurance while a female teenager POST DUI would pay $4116.

Waco Car Insurance by Segment

Waco Teenagers Car Insurance Rates Comparison

16411 Waco Teenagers (9% of total population), 48% Male & 52% Female.

Waco Moody-Lorena China Spring McLennan County Texas
All Teenagers $2548 +$1050 -$219 +$1196 +$665
Male Teenager $2793 +$1151 -$240 +$1311 +$729
Female Teenager $2339 +$965 -$200 +$1099 +$611

Waco teenagers pay $2548 in insurance in contrast with Moody-Lorena (+$1050), China Spring (-$219), McLennan County (+$1196) and Texas (+$665). The difference between Male & Female teenagers in Waco is $454


  • 2012 Nissan Rogue S Male Teenager Insurance Rate $2608
  • 2012 Dodge Journey SXT Female Teenager Insurance Rate $2223

Waco Men & Women Car Insurance

180215 Waco Adults (100% of total population), 48% Men & 52% Women.

Waco Mart Hallsburg Moody-Lorena Texas
All Women $1176 +$792 +$648 +$484 +$307
Married Women $1127 +$759 +$621 +$464 +$294
All Men $1580 +$1064 +$871 +$651 +$413
Married Men $1494 +$1007 +$824 +$616 +$390

The typical insurance rate of $1580 that Waco Men pay varies from Mart (+$1064), Hallsburg (+$871), Moody-Lorena (+$651) and Texas (+$413). In Waco, married men pay $367 more than married women.


  • 2008 Jeep Grand Cherokee Laredo Married Men Insurance Rate $1764
  • 2014 Kia Sorento LX Married Women Insurance Rate $1305

Waco Senior Car Insurance

29446 Waco Seniors (16% of total population), 42% Senior Men & 58% Senior Women.

Waco Lorena Elm Mott Beverly Hills Texas
All Seniors $1323 +$437 +$448 +$847 +$345
Senior Men $1384 +$457 +$469 +$887 +$361
Senior Women $1286 +$425 +$436 +$824 +$336

Waco seniors pay $1323 in insurance compared to Lorena (+$437), Elm Mott (+$448), Beverly Hills (+$847) and Texas (+$345). In Waco, senior men pay $98 more than senior women.

Waco Car Insurance Discounts for Multiple Vehicles

Waco Population with 1 Vehicle 24734 (38% of Waco population), 2 Vehicles 24527 (38% of the Waco population) and 3 vehicles 7355 (11% of the population)

Waco Lorena Ross Beverly Hills Texas
2 Vehicles $2328 +$769 +$1168 +$1491 +$608
3 Vehicles $3553 +$1174 +$1783 +$2276 +$928
4 Vehicles $4778 +$1579 +$2398 +$3061 +$1248

Car Insurance Agents in Waco, TX

Rank Agent Name Agent Contact
1 1 Stop Financial Service Centers 1025 N Valley Mills Dr, Waco, TX 76710
2 1 Stop Financial Service Centers 2425 W Waco Dr, Waco, TX 76707
3 2 Sisters Insurance Agency 2121 W Waco Dr, Waco, TX 76707
4 Alan Rhea 4708 W Waco Dr, Waco, TX 76710
5 A-Max Auto Insurance 1706 S 19th St, Waco, TX 76706
6 A-Max Auto Insurance 2500 W Waco Dr, Waco, TX 76710
7 Autopartners Insurance Agency 1014 N Valley Mills Dr Apt A, Waco, TX 76710
8 Bailey Insurance & Financial Services 1201 Washington Ave, Waco, TX 76701
9 Baker Insurance Agency 3529 Bosque Blvd, Waco, TX 76710
10 Bart Romig 919 N Valley Mills Dr Ste A, Waco, TX 76710

Waco Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Ford, Transit Connect XLT Premium $700 $1200 $1700 $1130 $1830 $-130
Acura, RDX Tech $1500 $1250 $1750 $1140 $2640 $-890
Chevrolet, Silverado 1500 Work Truck $500 $1260 $1760 $1190 $1690 $70
Scion, xD $200 $1170 $1370 $1100 $1300 $70
Ford, Taurus Limited AWD $400 $1260 $1660 $1190 $1590 $70