Car Insurance in Waco, TX
- GEICO offers the cheapest car insurance in Waco at $135/mo.
- Compare and save on auto insurance in or near Waco, TX with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Waco at the right price.
About The Zebra's recommendations
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of experience in the insurance industry
Beth Swanson is The Zebra’s Insurance Analyst and Communications Specialist, covering content, PR, and legislative insurance trends. A licensed insur…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
How much does car insurance cost in Waco?
The average Waco driver pays $1,210 ($202 per month) for car insurance, but cheaper options are available. GEICO averages about $135 per month for full coverage and is the cheapest option for most drivers.
Waco’s average annual rate is cheaper than Texas’ $1,310 average, though 37%of our local customers say they’re paying too much.
- Waco's car insurance premiums are about average compared to the rest of the state.
- GEICO offers the cheapest full coverage rates in Waco at $135/mo. For minimum coverage, GEICO is the cheapest option at $44/mo.
- An at-fault accident in Waco can cause rate hikes of up to $771 on a 6 month policy.
Cheap liability and full coverage auto insurance in Waco
GEICO offers Waco’s lowest average car insurance rates in 2026, at $135 per month for full coverage. For minimum coverage, consider GEICO— rates are as low as $44 per month. Military members and their families may also qualify for USAA.
While minimum coverage costs less, it may leave you paying out of pocket after a serious accident. Full coverage adds collision and comprehensive coverage to help protect your vehicle from accidents, theft, hail and other damage.
Source: The Zebra
Even though most recommend the added protections that full coverage has to offer, 36% of Texas drivers choose minimum coverage. This is likely due to the significant cost difference — minimum coverage is $752 cheaper than full coverage.
Consider whether or not you'd want this coverage for Waco's higher than average uninsured driver population.
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Fetching your estimate
Here at The Zebra, we make it easy for you to find the right coverage—at the right price. We compare top companies so you can find what works for you.
We can also help you:
Why is car insurance in Waco so expensive?
In 2026, Waco is about average when it comes to car insurance costs. How much you pay comes down to local and regional factors like weather, traffic volume and accident frequency, all of which increase costs.
1. Weather
Waco's Central Texas location exposes drivers to weather that can quickly become severe. Powerful thunderstorms, large hail, flash flooding, and occasional tornadoes can damage vehicles and create dangerous driving conditions. Prolonged periods of extreme heat can also contribute to tire failures and mechanical issues. Together, these weather-related risks increase insurance claims and can lead to higher car insurance premiums over time.
2. Traffic
Located between Dallas and Austin, Waco sees a steady flow of local commuters, commercial trucks, and interstate travelers. Heavy traffic on I-35, Loop 340, Valley Mills Drive, and Highway 6 increases congestion and the risk of collisions, particularly near major interchanges and shopping areas. As accident claims become more frequent, insurers may adjust premiums to reflect the higher level of risk.
3. Uninsured Drivers
At 38%, the rate of uninsured drivers in Waco is higher than average. Waco’s position on a major north-south travel route exposes local motorists to a steady stream of drivers passing through Central Texas, including some who may lack insurance. On I-35, a crash caused by an uninsured driver can leave the insured motorist relying on UM coverage for expenses the at-fault driver cannot pay. Those claims can add to insurers’ costs and contribute to higher premiums in Waco.
For the budget-conscious consumer in Texas, who can barely afford a down payment, it is aligned with many other states. Texas requires higher minimum liability limits than most other states. That being said, it would be great if uninsured and underinsured coverage were required in Texas, since so many people will not have enough or any insurance. If opting for state minimum limits, I recommend UMBI and UMPD, since 20% of drivers in TX are uninsured. It's always best to get as much insurance as you can afford.
-Erick Sosa, Licensed Agent and Manager at The Zebra
Car insurance rates after an accident in Waco
In Waco, an at-fault accident can raise your car insurance by $771 for a 6-month policy. Keeping a clean driving record is the best way to avoid increases.
Premiums can go up after multiple violations such as accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Source: The Zebra
Ready to get started?
Texas drivers in and near Waco saved money on car insurance recently using The Zebra:
This quote from Aspire General Insurance helped a Nissan Rogue driver in San Antonio, TX cut their insurance costs.
Drivers in Carrollton, TX are getting smart deals on Honda Civic coverage from AssuranceAmerica.
This quote from Clearcover helped a Toyota Highlander driver in Denison, TX cut their insurance costs.
Our licensed agents guided a driver in Lubbock, TX to find this smart deal on their Ford E-150 with Hallmark.
Drivers in Allen, TX are getting smart deals on Kia Sportage coverage from National General.
Our licensed agents guided a driver in Irving, TX to find this smart deal on their Honda Accord with The General.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Waco car insurance FAQs:
-
Data Methodology. The Zebra's Dynamic Insurance Rating Tool
Data Methodology. The Zebra's Dynamic Insurance Rating Tool
-
2026 U.S. Auto Insurance Study. JD Power
2026 U.S. Auto Insurance Study. JD Power
Car insurance near me in Waco
At-fault driver gave me the wrong information
Can I file a claim for a stolen car if my son gave his friend permission to drive my vehicle?
Does a vehicle need car insurance if its in storage in New Jersey?
Why did Hippo ask for an inspection after they already gave me a quote?
How much is car insurance near me? — Explore more cities near Waco, TX
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
