Waco, TX Car Insurance Quotes & Rates (2026): $221/mo Avg

For a 40-year-old driver with a clean record, Waco car insurance averages about $221 a month ($2,653 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 11% below the Texas average of $248 a month. Auto Club (AAA) has the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $158 a month.

$221 Average full coverage $2,653 a year for our benchmark driver

−11% vs. Texas average TX average: $248 a month

$158 Auto Club (AAA), lowest among 5 major insurers $6 a month below State Farm

−1.3% Recent price change Past 9 months, same insurers and ZIP codes

Waco has the lowest full-coverage average of any Texas city we publish a guide for, about $221 a month for our benchmark driver, 11% below the state average. Auto Club (AAA) has the lowest average of any insurer in our data here, with State Farm close behind.

The seven Waco ZIP codes we price are close together, from about $217 a month in 76711 to $230 in 76704.

_{Cost data comes from the auto rates insurers file with state regulators, priced across all seven Waco ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Waco, TX?

Full coverage in Waco averages $2,653 a year, or about $221 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $872 a year ($73 a month), and 50/100/50 liability with comprehensive and collision averages $2,446 ($204 a month).

Full coverage (100/300/100, $500 deductibles): $2,653 a year ($221 a month)
50/100/50 with $500 deductibles: $2,446 a year ($204 a month)
Liability only (30/60/25): $872 a year ($73 a month)
Without Allstate: $2,185 a year ($182 a month) for full coverage
McLennan County: $2,636 a year ($220 a month) for full coverage
Texas average: $2,972 a year ($248 a month) for full coverage
ZIP code range: $217 (76711) to $230 (76704) a month for full coverage

Allstate is far more expensive than the other insurers here: its full-coverage average of about $416 a month is 2.3 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Waco average would be about $182 a month.

Cheap Car Insurance in Waco: Companies Compared

Lowest average among the five major insurers we compared, full coverage: Auto Club (AAA), at about $158 a month ($1,893 a year).
Next lowest any driver can buy: State Farm, at about $164 a month, then GEICO at $176.
Military families: USAA averages about $160 a month, but only for eligible members.
Liability only (30/60/25), among these five insurers: State Farm and GEICO, effectively tied at about $58 and $59 a month. USAA, which sells only to military families, is lower still, at about $41 a month.
Also on our list: Texas Farm Bureau at about $102 a month and Farmers at $337.
Most expensive in our data: Allstate, at about $416 a month, $3,104 a year more than Auto Club (AAA) for the same driver and car.

Auto Club (AAA) has the lowest full-coverage average among the six insurers in our Waco rate data. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm and GEICO are effectively tied for the lowest average among these five insurers, at about $58 and $59 a month. USAA comes in even lower, at about $41 a month, but it sells only to military families.

Full-coverage averages by insurer in Waco

Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.

Auto Club (AAA)

$158/mo

USAA (military families)

$160/mo

State Farm

$164/mo

GEICO

$176/mo

Progressive

$252/mo

Allstate

$416/mo

Lowest average among 5 major insurers Other insurers in our data Waco average: $221/mo

Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.

Insurance Company:	Minimum Liability 30/60/25 (Yearly):	Minimum Liability 30/60/25 (Monthly):	Full Coverage (Yearly):	Full Coverage (Monthly):
Auto Club (AAA)	$738	$62	$1,893	$158
USAA (military families)	$489	$41	$1,923	$160
State Farm	$690	$58	$1,972	$164
GEICO	$707	$59	$2,114	$176
Progressive	$1,031	$86	$3,021	$252
Allstate	$1,579	$132	$4,997	$416
Texas Farm Bureau*	$463	$39	$1,225	$102
Farmers*	$1,175	$98	$4,048	$337
Waco average	$872	$73	$2,653	$221

This table uses Waco ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.

Waco Car Insurance Rates by ZIP Code

Across the seven Waco ZIP codes we price, full coverage for our driver ranges from about $217 a month in 76711 to $230 in 76704, a gap of $146 a year.

Lowest-priced Waco ZIP codes

76711 $217/mo · −2% vs. city avg.

76706 $218/mo · −1% vs. city avg.

76708 $219/mo · −1% vs. city avg.

76710 $219/mo · −1% vs. city avg.

Highest-priced Waco ZIP code

76704 $230/mo · +4% vs. city avg.

Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Waco’s average.

ZIP Code:	Minimum Liability 30/60/25 (Yearly):	Minimum Liability 30/60/25 (Monthly):	Full Coverage (Yearly):	Full Coverage (Monthly):	Full Coverage vs. City Average:
76704	$922	$77	$2,755	$230	+4%
76705	$876	$73	$2,668	$222	About average
76706	$851	$71	$2,614	$218	-1%
76707	$868	$72	$2,668	$222	About average
76708	$862	$72	$2,630	$219	-1%
76710	$866	$72	$2,630	$219	-1%
76711	$863	$72	$2,609	$217	-2%

Your ZIP code matters

How Much More Does Better Coverage Cost in Waco?

Raising liability limits from 50/100/50 to 100/300/100 adds about $207 a year on average in our Waco data, with the same $500 deductibles. That’s about $17 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.

Is Car Insurance Going Up in Waco?

Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Waco ZIP codes, their full-coverage average fell from $2,214 a year nine months earlier to $2,185 in rates as of Aug. 31, 2026, a 1.3% drop. Auto Club (AAA) cut its Waco average 10.7% and Progressive 1.9%, while USAA raised its average 4.6% and GEICO 3.0%; State Farm’s average was about unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Waco average above. Liability-only coverage at 30/60/25 limits fell 4.1%, led by USAA, which cut its liability-only average 15.8%.

Car Insurance for Baylor Students in Waco

Students who bring a car to Baylor should tell their insurer where the car is kept during the school year, because where you keep your car is one of the factors Texas insurers use to set prices.

McLennan County averages about $220 a month for full coverage in our data, among the least expensive of the 179 Texas counties we price.

How Waco Car Insurance Compares With Other Texas Cities

Dallas–Fort Worth $254/mo full coverage $33/mo more than Waco Lowest averages among 5 major insurers: State Farm and Auto Club (AAA) (tied) Dallas $288/mo full coverage $67/mo more than Waco Lowest averages among 5 major insurers: State Farm and Auto Club (AAA) (tied) Austin $239/mo full coverage $18/mo more than Waco Lowest average among 5 major insurers: State Farm Frisco $236/mo full coverage $15/mo more than Waco Lowest averages among 5 major insurers: Auto Club (AAA) and State Farm (tied) Houston $287/mo full coverage $66/mo more than Waco Lowest average among 5 major insurers: State Farm San Antonio $255/mo full coverage $34/mo more than Waco Lowest averages among 5 major insurers: State Farm and Auto Club (AAA) (tied)

More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.

Austin, about 95 miles south, averages $239 a month, and Dallas, about 90 miles north, $288. Our Dallas–Fort Worth metro guide averages $254.

What Car Insurance Is Required in Waco?

Drivers in Waco follow Texas’ rules. Every policy must include at least:

Bodily injury liability of $30,000 per person and $60,000 per crash
Property damage liability of $25,000 per crash

Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.

How to Lower Your Car Insurance Rate in Waco

Compare Auto Club (AAA) and State Farm first. They have the two lowest full-coverage averages among the five major insurers we compared in Waco, about $158 and $164 a month.
Quote several insurers. Among the five major insurers we compared in Waco, the lowest and highest averages are about $258 a month apart for the same driver and car.
Know your credit rights. Texas insurers can’t turn you down or charge you more only because of your credit score, and you can ask for an exception if an illness, a death, a job loss, a divorce or identity theft hurt your credit.
Compare at every renewal. Over the past nine months, Auto Club (AAA) has cut its Waco average 10.7% and Progressive 1.9%, while USAA has raised its average 4.6% and GEICO 3.0%, so the order in our table can shift.
Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Texas, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Ready to compare

How We Calculated Waco Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

Sample: 42 full-coverage premiums from six insurers across seven Waco ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Texas’ 30/60/25 minimum, with 30/60 uninsured and underinsured motorist coverage and no comprehensive or collision. The rate data doesn’t list a personal injury protection amount, so we don’t state one for these prices.
Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA and Allstate. We also show the average without Allstate, whose prices are far above the other insurers’, so you can see how much it moves the number. Monthly figures are annual premiums divided by 12 and rounded.
Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Allstate is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
Insurers marked *: priced from published 2026 Texas rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.

Waco Car Insurance Rates by County

Across the two counties in the Waco area and 15 ZIP codes we price there, full coverage runs from about $220 a month in McLennan County to $224 in Falls County. The Texas average is $248. These figures use the same rate data and benchmark driver as the rest of this page.

County:	ZIP Codes in Our Data:	Minimum Liability 30/60/25 (Yearly):	Minimum Liability 30/60/25 (Monthly):	Full Coverage (Yearly):	Full Coverage (Monthly):
Falls County	1	$834	$70	$2,693	$224
McLennan County	14	$863	$72	$2,636	$220
Texas average	1019	$990	$83	$2,972	$248

More Waco Car Insurance Breakdowns

The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Waco averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.

Waco Car Insurance Costs by County and Vehicle Type

This breakdown shows how the type of car changes the price in each county in the table. Across the two counties in this table, SUV policies cost the least on average and hybrid policies the most, about 24% more. Search the table for your county.

County:	Car	SUV:	Sports:	Truck:	Hybrid:
Falls	$1,169	$993	$1,106	$1,178	$1,244
Mclennan	$1,221	$1,046	$1,167	$1,217	$1,282
Avg. Yearly Cost:	$1,195	$1,020	$1,137	$1,198	$1,263
Avg. Monthly Costs:	$99.58	$84.96	$94.71	$99.79	$105.25

New Car Insurance Rates in Texas

Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.

Insurance Provider:	State Minimum:	Full Coverage:
USAA:	$530	$2,280
GEICO:	$838	$2,588
AAA:	$763	$2,672
Progressive:	$720	$2,766
State Farm:	$838	$2,974

Car Insurance Costs by Age in Texas

Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.

Driver’s Age:	State Minimum Coverage	Full Coverage
17	$2,686	$7,193
18	$2,346	$6,376
20	$1,664	$4,752
22	$1,248	$3,659
24	$1,068	$3,172
29	$865	$2,654
34	$833	$2,530
39	$829	$2,496
44	$825	$2,460
49	$813	$2,425
54	$791	$2,329
64	$807	$2,270
74	$982	$2,622
76	$1,049	$2,761

Waco Car Insurance FAQ

How much is car insurance in Waco, TX, per month?

For our benchmark driver, full coverage in Waco averages about $221 a month ($2,653 a year) and liability-only coverage about $73 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 11% below the Texas average of $248 a month. Without Allstate, the Waco average is about $182 a month.

Who has the cheapest car insurance in Waco?

Auto Club (AAA) has the lowest full-coverage average in our Waco rate data, at about $158 a month, with State Farm close behind at $164 among insurers anyone can buy from. USAA, which sells only to military families, averages about $160 a month. For liability-only coverage, State Farm and GEICO are effectively tied for the lowest average among the five major insurers we compared. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.

Is car insurance cheap in Waco?

Yes, compared with the rest of Texas, for our benchmark driver. Waco full coverage averages about $221 a month, compared with $248 statewide, and liability-only coverage about $73 a month.

Which Waco ZIP codes have the cheapest car insurance?

In our data, 76711 has the lowest full-coverage average in Waco, at about $217 a month, and 76704 the highest, at about $230. The ZIP code table on this page lists all seven.

How much more is full coverage than liability-only coverage in Waco?

In our Waco data, full coverage (100/300/100 with $500 deductibles) averages about $221 a month and liability-only coverage at 30/60/25 limits about $73, a difference of about $148 a month ($1,781 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.

Is car insurance going up in Waco?

Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Waco full-coverage average fell 1.3%, from about $2,214 to $2,185 a year. That’s lower than the Waco average of $2,653 because it leaves out Allstate. Auto Club (AAA) cut its Waco average 10.7% and Progressive 1.9%, while USAA raised its average 4.6% and GEICO 3.0%. Liability-only coverage at 30/60/25 limits fell 4.1%.

Is car insurance cheaper in Waco than in nearby cities?

For our benchmark driver, full coverage in Waco averages about $221 a month. Nearby, Dallas–Fort Worth averages about $254, Dallas about $288 and Austin about $239. Waco is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.

Waco, TX Car Insurance Quotes & Rates (2026)