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.
| Lowest | Average | Highest |
|---|---|---|
| $1032 | $1225 | $1498 |
Latest Auto Insurance Reviews in Waco, Texas
Geico
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.
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.
Usaa
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 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.
Progressive
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.
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.
State farm has always tried to get me the best options and deals and offerings they could.
Allstate
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.
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.
Progressive
The customer service is always average, they do the job that is needed and give me no troubles whats so ever.
The customer service is always average, they do the job that is needed and give me no troubles whats so ever.
Usaa
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 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.
Progressive
I would recommend this company for any insurances. They are great and they care about their customers.
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.
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.
Aaa
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.
Aaa
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.
Usaa
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 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.
Geico
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.
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.
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 PREVIOUSLY CHANGED TO MY CURRENT COMPANY BECAUSE OLD COMPANY INCREASED MY RATES. THEY ARE THE ONLY COMPANY THAT CAME IN AT THAT PRICE POINT.
I PREVIOUSLY CHANGED TO MY CURRENT COMPANY BECAUSE OLD COMPANY INCREASED MY RATES. THEY ARE THE ONLY COMPANY THAT CAME IN AT THAT PRICE POINT.
Usaa
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.
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.
Geico
The best thing about about my company is that they offer good insurance at a reasonable price when compared to other insurance companies.
The best thing about about my company is that they offer good insurance at a reasonable price when compared to other insurance companies.
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 |
|---|---|---|---|---|
| Northcrest | ||||
| Melondale Dr | 2003 Buick Century Base | 19 year teenager | $2381 | $403 |
| Fox Hill Dr | 2009 Ford Fusion SE | 19 year male teenager | $2578 | $435 |
| Vemo | ||||
| Holt Ave | 2007 Chrysler 300 Base | 42 year married man | $1413 | $480 |
| S 9th A St | 2011 Hyundai Sonata GLS | 18 year female teenager | $2202 | $785 |
| East Waco | ||||
| Industrial Blvd E | 2006 Chevrolet Silverado 2500HD Work Truck | 72 year female senior | $1215 | $407 |
| State St | 2009 Mazda MAZDA3 i Sport | 35 year married woman | $1031 | $777 |
| Wardlaw | ||||
| Elk Rd | 2011 Lincoln MKZ Base | 48 year man | $1652 | $445 |
| Chappel Hill Rd | 2007 GMC Sierra 1500 SLT | 80 year senior | $1283 | $639 |
| Downs | ||||
| Bullhide Creek Rd | 2011 Toyota Prius III | 54 year woman | $1050 | $609 |
| Golinda Dr | 2014 Volkswagen Jetta S | 68 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
Example
- 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.
Example
- 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 |