Cheap Car Insurance in Waco, TX

Written by Xuyun Zeng and 2 others
Updated Feb 25, 2025
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Cheap Car Insurance in Waco, TX

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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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$45 $541 Progressive 48 May 5, 2025 Waco, TX 76705
$47 $569 Progressive 62 June 27, 2024 Waco, TX 76708
$48 $573 Progressive 82 November 25, 2023 Waco, TX 76710
$48 $581 Progressive 52 April 29, 2025 Waco, TX 76705
$58 $699 Assurance America 32 February 17, 2025 Waco, TX 76708
$60 $717 Progressive 47 December 5, 2023 Waco, TX 76706
$64 $767 Progressive 73 February 5, 2024 Waco, TX 76708
$66 $793 Progressive 48 November 8, 2023 Waco, TX 76710
$70 $835 Progressive 58 July 3, 2024 Waco, TX 76706
$70 $846 Progressive 49 November 21, 2024 Waco, TX 76704
Last Updated May 7, 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.

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
$60 $717 Progressive 47 December 5, 2023 Waco, TX 76706
$70 $846 Progressive 49 November 21, 2024 Waco, TX 76704
$84 $1,007 Progressive 47 February 4, 2025 Waco, TX 76705
$98 $1,179 Progressive 29 June 22, 2024 Waco, TX 76706
$100 $1,195 Progressive 45 December 22, 2024 Waco, TX 76710
$104 $1,247 Progressive 46 April 30, 2025 Waco, TX 76704
$106 $1,269 Progressive 27 October 8, 2024 Waco, TX 76706
$106 $1,271 Progressive 48 March 26, 2024 Waco, TX 76710
$111 $1,333 Progressive 28 January 16, 2025 Waco, TX 76706
Last Updated May 7, 2025

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
$79 $945 Progressive 28 No January 14, 2025 Waco, TX 76706
$87 $1,041 Commonwealth Insurance 27 No March 4, 2024 Waco, TX 76712
$94 $1,127 Aspen 26 No November 11, 2023 Waco, TX 76704
$98 $1,179 Progressive 29 Yes June 22, 2024 Waco, TX 76706
$102 $1,227 Progressive 28 No March 9, 2025 Waco, TX 76706
Last Updated May 7, 2025

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
$45 $541 Progressive 48 No May 5, 2025 Waco, TX 76705
$48 $581 Progressive 52 No April 29, 2025 Waco, TX 76705
$58 $699 Assurance America 32 No February 17, 2025 Waco, TX 76708
$60 $717 Progressive 47 Yes December 5, 2023 Waco, TX 76706
$66 $793 Progressive 48 No November 8, 2023 Waco, TX 76710
Last Updated May 7, 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 older drivers 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
$48 $573 Progressive 82 November 25, 2023 Waco, TX 76710 No
$64 $767 Progressive 56 November 20, 2023 Waco, TX 76705 No
$64 $767 Progressive 73 February 5, 2024 Waco, TX 76708 No
$70 $835 Progressive 58 July 3, 2024 Waco, TX 76706 No
Last Updated May 7, 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 Policy
Has Full Coverage
City, State
ZIP Code
$45 $541 Progressive 48 May 5, 2025 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 $581 Progressive 52 April 29, 2025 No Waco, TX 76705
$60 $717 Progressive 47 December 5, 2023 Yes Waco, TX 76706
$64 $767 Progressive 56 November 20, 2023 No Waco, TX 76705
$64 $767 Progressive 73 February 5, 2024 No Waco, TX 76708
$66 $793 Progressive 48 November 8, 2023 No Waco, TX 76710
$70 $835 Progressive 58 July 3, 2024 No Waco, TX 76706
$70 $846 Progressive 49 November 21, 2024 Yes Waco, TX 76704
Last Updated May 7, 2025

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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $45 $541 Progressive 48 May 5, 2025 Waco, TX 76705
<550 $48 $581 Progressive 52 April 29, 2025 Waco, TX 76705
<550 $60 $717 Progressive 47 December 5, 2023 Waco, TX 76706
<550 $73 $877 Progressive 59 March 24, 2024 Waco, TX 76711
<550 $74 $885 Progressive 37 April 17, 2025 Waco, TX 76706
Last Updated May 7, 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 $877 Progressive 59 No March 24, 2024 Waco, TX 76711
At Fault With No Injury $87 $1,041 Commonwealth Insurance 27 No March 4, 2024 Waco, TX 76712
At Fault With No Injury $104 $1,249 Bristol West 39 No December 10, 2024 Waco, TX 76708
At Fault With No Injury $108 $1,290 Progressive 42 No January 17, 2025 Waco, TX 76708
At Fault With No Injury $116 $1,395 Bristol West 29 No May 3, 2025 Waco, TX 76705
Last Updated May 7, 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 over 15 $58 $699 Assurance America 32 February 17, 2025 Waco, TX 76708
Speeding over 15 $87 $1,041 Commonwealth Insurance 27 March 4, 2024 Waco, TX 76712
Speeding over 15 $111 $1,333 Progressive 28 January 16, 2025 Waco, TX 76706
Speeding under 15 $115 $1,382 Electric 37 October 15, 2024 Waco, TX 76701
Speeding under 15 $172 $2,061 Progressive 26 April 14, 2025 Waco, TX 76708
Last Updated May 7, 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.