Cheap Car Insurance Rates in Waco, Texas | SmartFinancial

Monthly Average Rates by Country, State, and City

car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national modal. According to our data, drivers who live in Waco typically pay approximately $ 100.50 per month compared to the home average of $ 134.56 per calendar month. The best way to get a abject rate is by comparison shop. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance caller then you have no surprises if you have an accident .

Area Average Monthly Rate
National $134.56
Texas $118.26
Waco, Texas $100.50

Waco, TX Best Car Insurance Companies

car insurance in Waco Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better cope from one insurance company over another for diverse reasons, and that ’ s why it ’ second authoritative to compare. According to our data, Texas Farm Bureau Group by and large has the most low-cost car indemnity in Waco coming in around $ 68.85 per month. other companies to consider if you live in Waco is State Farm with an modal monetary value of $ 82.43 per month and Clearcover which typically runs around $ 82.94 per month. Check out the entire list below. SmartFinancial rates the following insurers as the best policy companies for drivers in Waco .

Rank Company Average Monthly Rate Comparison State Average
1 Texas Farm Bureau Group $68.85 -41.78%
2 State Farm $82.43 -30.30%
3 Clearcover

$82.94 -29.87%
4 Direct Auto $93.47 -20.97%
5 USAA $102.43 -13.39%
6 Mercury $130.92 10.71%
7 Mercury Insurance $140.10 18.46%
8 Nationwide $146.77 24.10%
9 Encompass $154.19 30.38%
10 Republic Indemnity $159.35 34.74%

Cheap Car Insurance in Waco by Zip Codes

find cheap auto insurance in Waco Every slide fastener code rates differently with every insurance company. Your zip code code determines the crime rate in your area american samoa well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an sphere that is rated high in crime, you can make sure to garage your car in a safe stead. That ought to save you some money. Covered and gated structures are best. Make sure to tell your indemnity agent about the precautions you ’ ra bring .

Waco, TX ZIP Code Average Monthly Rate
76701 $105.51
76702 $23.67
76704 $101.70
76705 $102.72
76706 $106.85
76707 $88.75
76708 $96.38
76710 $113.01
76711 $91.67

Car Insurance Rates by Driver’s Age Group in Waco

by and large speaking, you pay more in car indemnity the younger you are and the older you are. Teens and youthful adults often pay around $ 227.24 per calendar month in Waco. Compare that to drivers in their 30 ’ s who typically pay approximately $ 90.45 per month drivers in their 40s at $ 90.78 per month. It ’ s constantly a good theme to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver deduction, mature driver discount, good student rebate vitamin a well as multi-policy and pack discounts .

Age Group Average Monthly Rate
16-19 $227.24
20s $135.90
30s $90.45
40s $90.78
50s $77.47
60s $76.41
70+ $97.96

Cheapest Insurance for Teenage Drivers in Waco

If you are adolescent in Waco you are probably looking for a good hand on car policy. Since adolescent drivers typically pay the highest rates of any early age group, it ’ south important to compare multiple companies. According to our research, Texas Farm Bureau Group typically charges around $ 141.24 per calendar month. This is likely the most low-cost option in Waco. You might besides want to consider target Auto and USAA who besides offer good low-cost policies for adolescent drivers .

Company Average Monthly Rate
Texas Farm Bureau Group $141.24
Direct Auto $182.37
USAA $182.44
State Farm $189.24
Dairyland $263.50

Cheapest Insurance for 20 Year-olds in Waco

20 year-olds in Waco might want to consider Clearcover who, on average, offers car indemnity rates around $ 93.22 per calendar month. Texas Farm Bureau Group, Direct Auto, State Farm and USAA are besides in the top 5 cheapest rates available .

Company Average Monthly Rate
Clearcover $93.22
Texas Farm Bureau Group $95.98
Direct Auto $111.56
State Farm $125.87
USAA $138.91

Cheapest Insurance for 30 Year-olds in Waco

If you are in your 30s in Waco our inquiry has found that Texas Farm Bureau Group typically has the most low-cost coverage coming in around $ 69.30 per month, followed by direct Auto at $ 75.82 and State Farm at $ 77.53 .

Company Average Monthly Rate
Texas Farm Bureau Group $69.30
Direct Auto $75.82
State Farm $77.53
Clearcover $86.92
USAA $99.63

Cheapest Insurance for 40 Year-olds in Waco

On average, Texas Farm Bureau Group offers car policy for 40 year-olds in Waco for around $ 67.64 per calendar month. If you are looking for low-cost coverage, you may besides want to consider direct Auto or State Farm. The full moon list of top companies is below .

Company Average Monthly Rate
Texas Farm Bureau Group $67.64
Direct Auto $70.61
State Farm $73.08
USAA $92.63
Clearcover $97.06

Cheapest Insurance for 50 Year-olds in Waco

frequently 50 year-olds enjoy some of the lowest rates of any early age group. In Waco we found that Texas Farm Bureau Group generally offers the most low-cost coverage at $ 52.49 per calendar month .

Company Average Monthly Rate
Texas Farm Bureau Group $52.49
State Farm $61.96
Clearcover $65.88
Direct Auto $67.32
USAA $79.29

Cheapest Insurance for 60 Year-olds in Waco

If you live in Waco and you ’ re in your 60s, our data indicates that Texas Farm Bureau Group normally has the best rates at $ 51.53 per month. The top 5 number of cable car insurance companies is below .

Company Average Monthly Rate
Texas Farm Bureau Group $51.53
State Farm $63.38
Direct Auto $70.24
Clearcover $74.71
Mercury Insurance

$76.67

Driver’s Coverage Auto Insurance Rates in Waco, TX

driver's coverage typically, drivers who presently have car indemnity coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a prerequisite in all 50 states, companies may question why you do n’t presently have coverage. Because of this, they may see you as a higher risk driver. In Waco, the average monthly rate for a driver who is presently insured is $ 95.47 while drivers who are not presently covered will pay around $ 106.65 .

Coverage Average Monthly Rate
Not Currently Insured $106.65
Currently Insured $95.47

Compare Recent Car Insurance Quotes in Waco

auto insurance quotes in Waco city Your vehicle plays a bad part in how you rate for cable car policy. The more your cable car is deserving, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you ’ ll need to pay that deductible if you have an accident. generally speaking, the newer a car is, the more it ’ s worth, and you may pay more in premiums, but the latest guard features will earn you a discount. The overall safety ratings of a cable car are besides considered when determining your rate. In Waco a driver of a 2013 Ford Edge can expect to pay around $ 66.40 per calendar month while person that owns a 2007 Chevrolet Trailblazer may pay around $ 73.52 per calendar month. Check out the list of recent quotes in Waco below .

Vehicle Average Monthly Rate
2013 Ford Edge $66.40
2007 Chevrolet Trailblazer $73.52
2019 Buick Cascada $93.18
2021 Mitsubishi Outlander $91.22
2010 Toyota Camry $70.64
1987 Chevrolet Corvette $49.23
2016 TOYOTA PRIUS $78.26
2016 Hyundai Elantra $108.92
2014 Dodge Journey $75.92
2005 Nissan Sentra $67.80

FAQ’s for Drivers in Waco, TX

driver’s frequently asked question in Waco What Is the Minimum Liability Coverage Requirement in Waco, TX? Every state requires drivers to have a minimum amount of indebtedness coverage. Texas drivers are required to carry liability indemnity to pay for damages and injuries inflicted on person else in an car accident .

  • $30,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $60,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $25,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we ! Just don ’ deoxythymidine monophosphate go besides minimalist and skip the car policy raw ( see our FAQ for more information ). In Texas, you are legally required to obtain something called liability policy. This is for your protection if you are deemed “ at defect ” in an accident that causes wound and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It besides pays for damages to the other driver ’ south vehicle. Trust us, you ’ d want this coverage evening if it wasn ’ t legally required ! Since Texas is a “ no-fault ” state, drivers are financially responsible for any accidents they cause. Consider this : $ 30,000 is the maximal payment for place damage but you collide with a $ 40,000 fomite. If you are found at fault, you are on the hook for any damages beyond $ 30,000. And, other drivers can sue you for those damages. Between this and the high monetary value of medical caution, we recommend you carry more than the minimum ask coverage ! What Is the Blood Alcohol Concentration (BAC) limit in Waco, TX? It is illegal for an individual to operate a drive vehicle in Texas with the following BAC percentages : .08 % + @ 21 years honest-to-god or older .04 % + for commercial vehicle drivers .01 % + @ < 21 years old
Can I use my digital insurance card in Texas? Yes ! Getting pulled over in Texas is slightly less panicky since you don ’ t have to locate the hard imitate of your insurance calling card for the officer. BUT, be mindful of unlocking your telephone to access your digital indemnity card before the officer has determined whether you were cell-phoning and driving !map commute Time in Waco, TX 17.7 Miles map change Time in United States 26.4 Miles people Number of Nearest Insurance Agents in Waco, TX 231 Methodology
The statistics listed on this foliate are from our own in house report. We track and read quotes that carriers have provided based on versatile criteria. The rates and averages shown on this page should alone be used as an estimate. About the Author

Fran Majidi Fran Majidi

Insurance Expert

Fran Majidi manages content on SmartFinancial ‘s web site. She ‘s had closely a decade ‘s deserving of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor program in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi .linkedin

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