The big skies and open roads of Waco, Texas seem to beckon drivers. Thousands of drivers 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.
More: Best car insurance in Texas
Cheapest minimum coverage insurance in Waco
These are the cheapest quotes that Waco drivers have received via Jerry for minimum coverage.
|
Monthly Quote
|
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 |
| $48 | $581 | Progressive | 52 | April 29, 2025 | Waco, TX | 76705 |
| $50 | $595 | Bluefire | 50 | May 14, 2025 | Waco, TX | 76710 |
| $52 | $627 | Progressive | 48 | May 5, 2025 | Waco, TX | 76705 |
| $52 | $629 | Progressive | 33 | June 11, 2024 | Waco, TX | 76708 |
| $53 | $633 | Progressive | 22 | April 25, 2025 | Waco, TX | 76704 |
| $56 | $669 | Progressive | 65 | October 13, 2024 | Waco, TX | 76706 |
| $58 | $699 | Assurance America | 32 | February 17, 2025 | Waco, TX | 76708 |
| $63 | $761 | Bristol West | 38 | June 7, 2025 | Waco, TX | 76706 |
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
More: Cheapest car insurance in Texas
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.
|
Monthly Quote
|
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 |
| $52 | $629 | Progressive | 33 | June 11, 2024 | Waco, TX | 76708 |
| $56 | $669 | Progressive | 65 | October 13, 2024 | Waco, TX | 76706 |
| $68 | $819 | Progressive | 37 | February 12, 2025 | Waco, TX | 76707 |
| $70 | $846 | Progressive | 49 | November 21, 2024 | Waco, TX | 76704 |
| $72 | $865 | Progressive | 70 | November 11, 2024 | Waco, TX | 76710 |
| $77 | $921 | Progressive | 25 | March 11, 2025 | Waco, TX | 76706 |
| $81 | $975 | Progressive | 32 | January 22, 2025 | Waco, TX | 76706 |
| $84 | $1,007 | Progressive | 47 | February 4, 2025 | Waco, TX | 76705 |
More: Best car insurance companies
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $53 | $633 | Progressive | 22 | No | April 25, 2025 | Waco, TX | 76704 |
| $68 | $819 | Progressive | 25 | No | August 8, 2024 | Waco, TX | 76710 |
| $77 | $921 | Progressive | 25 | Yes | March 11, 2025 | Waco, TX | 76706 |
| $79 | $945 | Progressive | 28 | No | January 14, 2025 | Waco, TX | 76706 |
| $98 | $1,179 | Progressive | 29 | Yes | June 22, 2024 | Waco, TX | 76706 |
More: Get cheap car insurance the smart way, today
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $48 | $581 | Progressive | 52 | No | April 29, 2025 | Waco, TX | 76705 |
| $48 | $581 | Progressive | 31 | Yes | November 4, 2024 | Waco, TX | 76706 |
| $50 | $595 | Bluefire | 50 | No | May 14, 2025 | Waco, TX | 76710 |
| $52 | $627 | Progressive | 48 | No | May 5, 2025 | Waco, TX | 76705 |
| $52 | $629 | Progressive | 33 | Yes | June 11, 2024 | Waco, TX | 76708 |
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 seniors in Waco have received via Jerry.
|
Monthly Quote
|
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 |
| $56 | $669 | Progressive | 65 | October 13, 2024 | Waco, TX | 76706 | Yes |
| $64 | $767 | Progressive | 73 | February 5, 2024 | Waco, TX | 76708 | No |
| $69 | $825 | Bristol West | 63 | May 25, 2025 | Waco, TX | 76710 | No |
| $69 | $829 | Bluefire | 59 | March 24, 2024 | Waco, TX | 76711 | 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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $47 | $569 | Progressive | 62 | June 27, 2024 | Yes | Waco, TX | 76708 |
| $48 | $581 | Progressive | 31 | November 4, 2024 | Yes | Waco, TX | 76706 |
| $48 | $581 | Progressive | 52 | April 29, 2025 | No | Waco, TX | 76705 |
| $52 | $627 | Progressive | 48 | May 5, 2025 | No | Waco, TX | 76705 |
| $52 | $629 | Progressive | 33 | June 11, 2024 | Yes | Waco, TX | 76708 |
| $53 | $633 | Progressive | 22 | April 25, 2025 | No | Waco, TX | 76704 |
| $63 | $761 | Bristol West | 38 | June 7, 2025 | No | Waco, TX | 76706 |
| $64 | $767 | Progressive | 73 | February 5, 2024 | No | Waco, TX | 76708 |
| $67 | $809 | Bristol West | 41 | June 9, 2025 | No | Waco, TX | 76711 |
| $68 | $819 | Progressive | 37 | February 12, 2025 | Yes | Waco, TX | 76707 |
Cheapest car insurance for drivers with low credit scores in Waco
Insurers in Texas may 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
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $48 | $581 | Progressive | 52 | April 29, 2025 | Waco, TX | 76705 |
| <550 | $52 | $627 | Progressive | 48 | May 5, 2025 | Waco, TX | 76705 |
| <550 | $69 | $829 | Bluefire | 59 | March 24, 2024 | Waco, TX | 76711 |
| <550 | $74 | $885 | Progressive | 37 | April 17, 2025 | Waco, TX | 76706 |
| <550 | $78 | $937 | Bluefire | 37 | October 15, 2024 | Waco, TX | 76701 |
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
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $69 | $829 | Bluefire | 59 | No | March 24, 2024 | Waco, TX | 76711 |
| At Fault With No Injury | $78 | $937 | Progressive | 67 | No | October 17, 2024 | Waco, TX | 76704 |
| At Fault With No Injury | $84 | $1,013 | Bristol West | 73 | No | March 10, 2025 | Waco, TX | 76706 |
| At Fault With No Injury | $99 | $1,187 | Bristol West | 24 | No | April 9, 2025 | Waco, TX | 76710 |
| At Fault With No Injury | $100 | $1,205 | Progressive | 26 | No | April 9, 2025 | Waco, TX | 76705 |
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
|
Monthly Quote
|
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 under 15 | $78 | $937 | Bluefire | 37 | October 15, 2024 | Waco, TX | 76701 |
| Speeding over 15 | $111 | $1,333 | Progressive | 28 | January 16, 2025 | Waco, TX | 76706 |
| Speeding over 15 | $113 | $1,359 | Progressive | 27 | May 30, 2024 | Waco, TX | 76706 |
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.
