The big skies and open roads of Waco, Texas seem to beckon drivers. There were 750,000 registered vehicles in the Waco district in 2023. Combined, these vehicles traveled almost 24 million miles each day. That much activity creates potential for accidents, not to mention that Waco is also susceptible to tornadoes, thunderstorms and occasional hail.
We’ve rounded up quotes from Jerry customers to show how factors like age, driving record and coverage needs impact the price you pay for car insurance in Waco.
Cheapest minimum coverage insurance in Waco
These are the cheapest quotes that Waco drivers have received via Jerry for minimum coverage.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $39 | $472 | Commonwealth Insurance | 50 | November 22, 2024 | Waco, TX | 76712 |
| $46 | $551 | Progressive | 48 | December 13, 2024 | Waco, TX | 76705 |
| $47 | $563 | Progressive | 31 | November 2, 2024 | Waco, TX | 76706 |
| $47 | $569 | Progressive | 62 | June 27, 2024 | Waco, TX | 76708 |
| $48 | $573 | Progressive | 82 | November 17, 2023 | Waco, TX | 76710 |
| $48 | $573 | Progressive | 82 | November 25, 2023 | Waco, TX | 76710 |
| $48 | $581 | Progressive | 31 | November 4, 2024 | Waco, TX | 76706 |
| $49 | $589 | Progressive | 48 | March 4, 2025 | Waco, TX | 76705 |
| $49 | $591 | Progressive | 76 | September 13, 2024 | Waco, TX | 76705 |
| $50 | $601 | Progressive | 82 | November 6, 2023 | Waco, TX | 76710 |
Texas requires drivers to carry these minimum coverages:
- $30,000 of bodily injury per person.
- $60,000 of bodily injury per per accident.
- $25,000 for property damage.
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Waco
Drivers in Waco may opt for full coverage that can help pay for damages to your car caused by bad weather, collisions, fire, vandalism, theft and other situations not covered by minimum coverage. Here are the cheapest full coverage quotes that Jerry customers in Waco have received.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $47 | $569 | Progressive | 62 | June 27, 2024 | Waco, TX | 76708 |
| $48 | $581 | Progressive | 31 | November 4, 2024 | Waco, TX | 76706 |
| $49 | $591 | Progressive | 76 | September 13, 2024 | Waco, TX | 76705 |
| $50 | $605 | Progressive | 31 | November 2, 2024 | Waco, TX | 76706 |
| $52 | $629 | Progressive | 33 | June 11, 2024 | Waco, TX | 76708 |
| $56 | $669 | Progressive | 65 | October 13, 2024 | Waco, TX | 76706 |
| $58 | $693 | Progressive | 32 | September 25, 2023 | Waco, TX | 76706 |
| $60 | $717 | Progressive | 47 | December 5, 2023 | Waco, TX | 76706 |
| $68 | $819 | Progressive | 37 | February 12, 2025 | Waco, TX | 76707 |
| $69 | $823 | Progressive | 61 | July 29, 2024 | Waco, TX | 76705 |
Cheapest car insurance for young drivers in Waco (18-29 years old)
Young drivers usually pay the highest rates for an auto policy because insurers perceive their lack of driving experience as risky. Luckily, premiums decrease as drivers get older. Here are the cheapest quotes that young drivers in Waco have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $49 | $585 | Progressive | 25 | No | March 7, 2025 | Waco, TX | 76706 |
| $51 | $607 | Progressive | 25 | No | February 20, 2025 | Waco, TX | 76706 |
| $55 | $659 | Progressive | 24 | No | February 21, 2024 | Waco, TX | 76710 |
| $68 | $819 | Progressive | 25 | No | August 8, 2024 | Waco, TX | 76710 |
| $76 | $909 | Progressive | 25 | No | February 26, 2025 | Waco, TX | 76706 |
Cheapest car insurance for mature drivers in Waco (30-54 years old)
Mature drivers usually get lower premiums as they become more experienced drivers. Here are the cheapest quotes for drivers in Waco between 30 and 54 years old, based on Jerry’s data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $39 | $472 | Commonwealth Insurance | 50 | No | November 22, 2024 | Waco, TX | 76712 |
| $43 | $521 | Progressive | 31 | No | November 2, 2024 | Waco, TX | 76706 |
| $46 | $551 | Progressive | 48 | No | December 13, 2024 | Waco, TX | 76705 |
| $48 | $581 | Progressive | 31 | Yes | November 4, 2024 | Waco, TX | 76706 |
| $49 | $589 | Progressive | 48 | No | March 4, 2025 | Waco, TX | 76705 |
Cheapest car insurance for older drivers in Waco (55+ years old)
Drivers above 54 years old pay the lowest premiums for an auto policy until they hit their 70s, when rates start rising again. These are the lowest quotes that older drivers in Waco have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $47 | $569 | Progressive | 62 | June 27, 2024 | Waco, TX | 76708 | Yes |
| $48 | $573 | Progressive | 82 | November 25, 2023 | Waco, TX | 76710 | No |
| $48 | $573 | Progressive | 82 | November 17, 2023 | Waco, TX | 76710 | No |
| $49 | $591 | Progressive | 76 | September 13, 2024 | Waco, TX | 76705 | Yes |
| $50 | $601 | Progressive | 82 | November 6, 2023 | Waco, TX | 76710 | No |
Cheapest car insurance for drivers with clean records in Waco
Drivers with no claims, violations or citations typically pay the lowest premiums. Below are the cheapest quotes for Waco drivers with clean records.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $39 | $472 | Commonwealth Insurance | 50 | November 22, 2024 | No | Waco, TX | 76712 |
| $43 | $521 | Progressive | 31 | November 2, 2024 | No | Waco, TX | 76706 |
| $46 | $551 | Progressive | 48 | December 13, 2024 | No | Waco, TX | 76705 |
| $47 | $569 | Progressive | 62 | June 27, 2024 | Yes | Waco, TX | 76708 |
| $48 | $573 | Progressive | 82 | November 25, 2023 | No | Waco, TX | 76710 |
| $48 | $573 | Progressive | 82 | November 17, 2023 | No | Waco, TX | 76710 |
| $48 | $581 | Progressive | 31 | November 4, 2024 | Yes | Waco, TX | 76706 |
| $49 | $585 | Progressive | 25 | March 7, 2025 | No | Waco, TX | 76706 |
| $49 | $589 | Progressive | 48 | March 4, 2025 | No | Waco, TX | 76705 |
| $49 | $591 | Progressive | 76 | September 13, 2024 | Yes | Waco, TX | 76705 |
Cheapest car insurance for drivers with low credit scores in Waco
Insurers in Texas use credit score to set premiums, and a low score may lead to higher rates. It’s wise to shop around if your credit score is low. Here are the cheapest quotes for Jerry customers in Waco with credit scores below 550.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $49 | $589 | Progressive | 48 | March 4, 2025 | Waco, TX | 76705 |
| <550 | $51 | $612 | Commonwealth Insurance | 30 | October 2, 2024 | Waco, TX | 76705 |
| <550 | $60 | $717 | Progressive | 47 | December 5, 2023 | Waco, TX | 76706 |
| <550 | $65 | $784 | National General | 42 | October 18, 2024 | Waco, TX | 76708 |
| <550 | $69 | $825 | Aspen | 54 | February 29, 2024 | Waco, TX | 76708 |
Cheapest car insurance for drivers with at-fault accidents in Waco
Drivers with at-fault accidents on their records are likely to pay higher premiums. If you’ve recently been in an accident, compare quotes from multiple companies to find the lowest rate. Below are the cheapest quotes for drivers in Waco with an at-fault accident on their records, based on Jerry’s data.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $51 | $612 | Commonwealth Insurance | 30 | No | October 2, 2024 | Waco, TX | 76705 |
| At Fault With No Injury | $58 | $693 | Progressive | 32 | Yes | September 25, 2023 | Waco, TX | 76706 |
| At Fault With No Injury | $65 | $784 | National General | 42 | No | October 18, 2024 | Waco, TX | 76708 |
| At Fault With No Injury | $69 | $829 | Bluefire | 59 | No | March 24, 2024 | Waco, TX | 76711 |
| At Fault With No Injury | $71 | $848 | National General | 42 | No | September 14, 2024 | Waco, TX | 76708 |
Cheapest car insurance for drivers with speeding tickets in Waco
If you’ve received a speeding citation, your insurance bill will likely rise. Be sure to compare quotes from multiple insurers after a speeding ticket to keep policy costs as low as possible. Here are the cheapest quotes for drivers with speeding tickets in Waco, based on Jerry’s quote data.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $56 | $669 | Progressive | 65 | October 13, 2024 | Waco, TX | 76706 |
| Speeding over 15 | $58 | $699 | Assurance America | 32 | February 17, 2025 | Waco, TX | 76708 |
| Speeding over 15 | $59 | $705 | Assurance America | 30 | February 21, 2025 | Waco, TX | 76705 |
| Speeding under 15 | $78 | $937 | Bluefire | 37 | October 14, 2024 | Waco, TX | 76701 |
| Speeding under 15 | $85 | $1,017 | Bluefire | 37 | September 22, 2024 | Waco, TX | 76701 |
Cheapest car insurance for drivers with DUIs in Waco
Having a DUI on your record will likely cause your premiums to rise, and some insurers will not issue policies to drivers with DUIs. Comparing quotes from multiple insurers can help you find an insurer who can provide the coverage you need at the most affordable rate. Here are the cheapest quotes that drivers in Waco with DUI records have received via Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $103 | $1,237 | Bluefire | 35 | May 7, 2024 | Waco, TX | 76706 |
| DUI | $117 | $1,401 | Progressive | 61 | November 21, 2024 | Waco, TX | 76708 |
| DUI | $183 | $2,196 | Progressive | 35 | May 7, 2024 | Waco, TX | 76706 |
| DUI | $317 | $3,799 | Bluefire | 49 | July 9, 2024 | Waco, TX | 76707 |
| DUI | $383 | $4,599 | Bristol West | 49 | July 9, 2024 | Waco, TX | 76707 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
