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.
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|---|---|---|---|---|---|
| $42 | $501 | 40 | 06/18/25 | 76706 | ||
| $43 | $515 | 41 | 06/19/25 | 76705 | ||
| $44 | $525 | 54 | 09/20/25 | 76704 | ||
| $47 | $561 | 45 | 06/25/25 | 76707 | ||
| $47 | $564 | 45 | 06/25/25 | 76711 | ||
| $47 | $565 | 42 | 06/20/25 | 76708 | ||
| $48 | $575 | 46 | 06/27/25 | 76708 | ||
| $49 | $583 | 48 | 09/15/25 | 76706 | ||
| $50 | $595 | 38 | 05/07/25 | 76705 | ||
| $51 | $607 | 59 | 05/31/25 | 75119 |
Texas requires drivers to carry these minimum coverages:
- $30,000 of bodily injury per person.
- $60,000 of bodily injury 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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $48 | $575 | 46 | 06/27/25 | 76708 | ||
| $72 | $867 | 38 | 06/15/25 | 76706 | ||
| $80 | $957 | 36 | 06/14/25 | 76710 | ||
| $87 | $1,049 | 37 | 06/14/25 | 76708 | ||
| $92 | $1,106 | 40 | 08/26/25 | 76706 | ||
| $94 | $1,125 | 48 | 09/13/25 | 76705 | ||
| $98 | $1,179 | 27 | 08/30/25 | 76705 | ||
| $99 | $1,182 | 43 | 10/13/25 | 76706 | ||
| $106 | $1,274 | 54 | 06/25/25 | 76705 | ||
| $108 | $1,297 | 45 | 06/25/25 | 76705 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $52 | $626 | 28 | No | 09/11/25 | 76710 | ||
| $53 | $638 | 27 | No | 06/26/25 | 76711 | ||
| $77 | $919 | 27 | No | 09/16/25 | 76708 | ||
| $79 | $947 | 29 | Yes | 05/13/25 | 76708 | ||
| $80 | $957 | 29 | No | 07/05/25 | 76705 | ||
| $94 | $1,125 | 48 | 09/13/25 | 76705 | |||
| $98 | $1,179 | 27 | 08/30/25 | 76705 | |||
| $99 | $1,182 | 43 | 10/13/25 | 76706 | |||
| $106 | $1,274 | 54 | 06/25/25 | 76705 | |||
| $108 | $1,297 | 45 | 06/25/25 | 76705 |
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.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $501 | 40 | No | 06/18/25 | 76706 | ||
| $44 | $525 | 54 | No | 09/20/25 | 76704 | ||
| $47 | $564 | 45 | No | 06/25/25 | 76711 | ||
| $48 | $575 | 46 | Yes | 06/27/25 | 76708 | ||
| $49 | $583 | 48 | No | 09/15/25 | 76706 | ||
| $94 | $1,125 | 48 | 09/13/25 | 76705 | |||
| $98 | $1,179 | 27 | 08/30/25 | 76705 | |||
| $99 | $1,182 | 43 | 10/13/25 | 76706 | |||
| $106 | $1,274 | 54 | 06/25/25 | 76705 | |||
| $108 | $1,297 | 45 | 06/25/25 | 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 seniors in Waco have received via Jerry.
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $44 | $529 | 61 | 09/29/25 | 76706 | No | ||
| $64 | $762 | 84 | 11/01/25 | 76706 | No | ||
| $67 | $803 | 61 | 07/23/25 | 76705 | No | ||
| $73 | $880 | 59 | 10/17/25 | 76707 | Yes | ||
| $76 | $909 | 60 | 09/18/25 | 76705 | Yes | ||
| $94 | $1,125 | 48 | 09/13/25 | 76705 | |||
| $98 | $1,179 | 27 | 08/30/25 | 76705 | |||
| $99 | $1,182 | 43 | 10/13/25 | 76706 | |||
| $106 | $1,274 | 54 | 06/25/25 | 76705 | |||
| $108 | $1,297 | 45 | 06/25/25 | 76705 |
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.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $255 | 42 | 09/24/25 | No | 76704 | ||
| $42 | $501 | 40 | 06/18/25 | No | 76706 | ||
| $44 | $529 | 61 | 09/29/25 | No | 76706 | ||
| $45 | $544 | 35 | 10/15/25 | No | 76707 | ||
| $51 | $610 | 45 | 06/25/25 | No | 76707 | ||
| $52 | $626 | 28 | 09/11/25 | No | 76710 | ||
| $53 | $638 | 27 | 06/26/25 | No | 76711 | ||
| $55 | $655 | 36 | 06/14/25 | No | 76710 | ||
| $59 | $704 | 33 | 10/24/25 | No | 76708 | ||
| $62 | $743 | 38 | 10/29/25 | No | 76704 |
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.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Policy
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City, State
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ZIP Code
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|---|
|
Credit Score
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Monthly Quote
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Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
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City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $48 | $581 | 52 | 04/29/25 | 76705 | ||
| <550 | $65 | $783 | 37 | 07/22/25 | 76706 | ||
| <550 | $68 | $819 | 23 | 09/13/25 | 76705 | ||
| <550 | $74 | $883 | 69 | 06/01/25 | 76710 | ||
| <550 | $78 | $939 | 39 | 12/10/24 | 76708 | ||
| $52 | $626 | 28 | 76710 | ||||
| $53 | $638 | 27 | 76711 | ||||
| $55 | $655 | 36 | 76710 | ||||
| $59 | $704 | 33 | 76708 | ||||
| $62 | $743 | 38 | 76704 |
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.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
|
Date of Policy
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City, State
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ZIP Code
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|---|
|
At-fault Accident on Record
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Monthly Quote
|
Annual Quote
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Insurance Company
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Age
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Has Full Coverage
|
Date of Policy
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City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $67 | $809 | 48 | No | 07/16/25 | 76712 | ||
| At Fault With No Injury | $84 | $1,013 | 73 | No | 03/11/25 | 76706 | ||
| At Fault With No Injury | $95 | $1,143 | 43 | No | 01/03/25 | 76711 | ||
| At Fault With No Injury | $115 | $1,375 | 32 | No | 07/29/25 | 76708 | ||
| At Fault With No Injury | $125 | $1,495 | 32 | No | 10/26/25 | 76707 | ||
| $52 | $626 | 28 | No | 76710 | ||||
| $53 | $638 | 27 | No | 76711 | ||||
| $55 | $655 | 36 | No | 76710 | ||||
| $59 | $704 | 33 | No | 76708 | ||||
| $62 | $743 | 38 | No | 76704 |
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.
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Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $80 | $962 | 39 | 07/02/25 | 76706 | ||
| Speeding over 15 | $137 | $1,643 | 54 | 09/05/25 | 76712 | ||
| Speeding over 15 | $154 | $1,843 | 30 | 09/06/25 | 76710 | ||
| Speeding over 15 | $177 | $2,124 | 52 | 06/23/25 | 76705 | ||
| Speeding under 15 | $227 | $2,729 | 48 | 07/16/25 | 76712 | ||
| $52 | $626 | 28 | 09/11/25 | 76710 | |||
| $53 | $638 | 27 | 06/26/25 | 76711 | |||
| $55 | $655 | 36 | 06/14/25 | 76710 | |||
| $59 | $704 | 33 | 10/24/25 | 76708 | |||
| $62 | $743 | 38 | 10/29/25 | 76704 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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.
