Cheap Car Insurance in Waco, TX (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 29, 2025
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Cheap Car Insurance in Waco, TX (July 2025)

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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 Quote
City, State
ZIP Code
$48 $575 Progressive 52 July 24, 2025 Waco, TX 76705
$50 $600 Bluefire 39 June 17, 2025 Waco, TX 76708
$54 $653 Progressive 43 June 21, 2025 Waco, TX 76705
$58 $698 Safeco 61 July 23, 2025 Waco, TX 76705
$61 $731 Bristol West 46 May 5, 2025 Waco, TX 76705
$63 $759 Assurance America 46 June 27, 2025 Waco, TX 76707
$64 $768 Geico 53 June 26, 2025 Waco, TX 76710
$65 $779 National General 44 February 7, 2025 Waco, TX 76710
$66 $789 Progressive 42 February 17, 2025 Waco, TX 76710
$67 $805 Progressive 42 June 20, 2025 Waco, TX 76705
Last Updated Jul 30, 2025

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 full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

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 Quote
City, State
ZIP Code
$48 $575 Progressive 52 July 24, 2025 Waco, TX 76705
$81 $973 Progressive 46 June 27, 2025 Waco, TX 76708
$84 $1,002 Electric 42 June 20, 2025 Waco, TX 76704
$86 $1,027 Progressive 41 June 19, 2025 Waco, TX 76704
$88 $1,053 Bristol West 46 June 26, 2025 Waco, TX 76705
$98 $1,179 Progressive 39 June 18, 2025 Waco, TX 76706
$99 $1,185 Progressive 51 February 24, 2025 Waco, TX 76706
$102 $1,219 Bristol West 40 June 18, 2025 Waco, TX 76706
$112 $1,348 Electric 45 June 26, 2025 Waco, TX 76706
$113 $1,355 Bristol West 41 June 19, 2025 Waco, TX 76705
Last Updated Jul 30, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 Quote
City, State
ZIP Code
$81 $977 The General 25 No July 8, 2025 Waco, TX 76710
$96 $1,150 Bluefire 29 No July 5, 2025 Waco, TX 76705
$102 $1,223 Progressive 21 No March 13, 2025 Waco, TX 76705
$119 $1,426 Bluefire 22 No May 15, 2025 Waco, TX 76707
$129 $1,551 The General 23 No April 7, 2025 Waco, TX 76710
Last Updated Jul 30, 2025

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 Quote
City, State
ZIP Code
$48 $575 Progressive 52 Yes July 24, 2025 Waco, TX 76705
$50 $600 Bluefire 39 No June 17, 2025 Waco, TX 76708
$61 $731 Bristol West 46 No May 5, 2025 Waco, TX 76705
$63 $759 Assurance America 46 No June 27, 2025 Waco, TX 76707
$64 $768 Geico 53 No June 26, 2025 Waco, TX 76710
Last Updated Jul 30, 2025

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 Quote
City, State
ZIP Code
Has Full Coverage
$70 $839 The General 82 April 29, 2025 Waco, TX 76710 No
$80 $965 Gainsco 57 April 11, 2025 Waco, TX 76711 No
$87 $1,041 National General 61 May 12, 2025 Waco, TX 76708 No
$100 $1,199 The General 67 May 28, 2025 Waco, TX 76704 No
$114 $1,367 Bristol West 72 July 1, 2025 Waco, TX 76707 Yes
Last Updated Jul 30, 2025

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 Quote
Has Full Coverage
City, State
ZIP Code
$48 $575 Progressive 52 July 24, 2025 Yes Waco, TX 76705
$50 $600 Bluefire 39 June 17, 2025 No Waco, TX 76708
$61 $731 Bristol West 46 May 5, 2025 No Waco, TX 76705
$63 $759 Assurance America 46 June 27, 2025 No Waco, TX 76707
$64 $768 Geico 53 June 26, 2025 No Waco, TX 76710
$65 $779 National General 44 February 7, 2025 No Waco, TX 76710
$69 $830 Commonwealth Insurance 41 June 19, 2025 No Waco, TX 76705
$70 $839 The General 82 April 29, 2025 No Waco, TX 76710
$71 $856 Commonwealth Insurance 45 April 29, 2025 No Waco, TX 76708
$73 $878 Electric 37 June 16, 2025 No Waco, TX 76710
Last Updated Jul 30, 2025

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 $65 $783 Progressive 37 July 22, 2025 Waco, TX 76706
<550 $82 $987 Commonwealth Insurance 30 October 4, 2024 Waco, TX 76705
<550 $88 $1,057 Bristol West 54 February 29, 2024 Waco, TX 76708
<550 $90 $1,079 Progressive 35 June 14, 2025 Waco, TX 76704
Last Updated Jul 24, 2025

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 $73 $879 Progressive 57 No July 4, 2025 Waco, TX 76710
At Fault With No Injury $78 $937 Progressive 67 No October 17, 2024 Waco, TX 76704
At Fault With No Injury $82 $987 Commonwealth Insurance 30 No October 4, 2024 Waco, TX 76705
At Fault With No Injury $87 $1,041 Commonwealth Insurance 27 No March 4, 2024 Waco, TX 76712
At Fault With No Injury $90 $1,077 The General 48 No July 16, 2025 Waco, TX 76712
Last Updated Jul 24, 2025

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 under 15 $37 $447 Progressive 60 June 21, 2025 Waco, TX 76705
Speeding over 15 $87 $1,041 Commonwealth Insurance 27 March 4, 2024 Waco, TX 76712
Speeding under 15 $90 $1,077 The General 48 July 16, 2025 Waco, TX 76712
Speeding over 15 $90 $1,079 Progressive 28 July 1, 2025 Waco, TX 76710
Speeding under 15 $113 $1,359 Progressive 20 April 22, 2025 Waco, TX 76706
Last Updated Jul 24, 2025

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.

MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Ben Moore

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.