Waco Texas Car Insurance

Are you paying too much for car insurance in Waco, Texas? Do you need to get your rates lowered right away? Smart Waco residents can find several ways to save on auto insurance, and the good news it only takes a few minutes. On this website, you can get the cheapest auto insurance in Waco, Texas for the coverage you need. Just fill out a quick quote form and you will be matched with up to 10 carriers best rates.

We have the experience, technology, and tools to help you save on auto insurance. You can compare multiple Waco car insurance quotes, using any device connected to the internet. This includes the most popular option, a smartphone. You can comparison shop rates from the comfort of your home, without getting out and visiting a local agency.

Comparing low-cost car insurance in Waco has never been so easy. There are many benefits to shopping online for coverage. You can get detailed quotes for the exact coverage and length of policy that you need. A typical quote only takes about five minutes to fill out, and many online shoppers save hundreds of dollars. Start saving both time and money and get covered with a direct policy online today.

Waco Auto Insurance Rates

Waco automobile insurance cost depends on many factors. It’s often falsely believed that the city or state government officials themselves control the rates paid by citizens. While the Texas Department of Insurance does make laws that regulate the industry, they don’t have that much impact on the specific rates you will pay. The premium you will be charged depends on many factors the make up your overall risk profile.  This includes:

• Your Age and Driving Experience 
• Driving Record
• The Car You Drive
• Where You Reside
• Credit 
• Marital Status
• Rent or Homeowner

The free market sets the prices, so making comparisons between insurance companies can save you money on your car insurance in Waco Texas or any other city. There are also rate factors that you might not have heard of that affect rates. These include the car theft rates in a certain zip code, the probability of a natural disaster occurring, and how many other motorists will be on the policy. All these aspects will be taken into account when insurance companies calculate your monthly premiums.

Although car insurance rates in Waco Texas is about 26% higher than the national average, you can still lower your cost by finding direct insurers and adjusting your coverage. You just need to spend some time searching for the cheapest rates and doing some basic research. When shopping around this website, you can get the best prices for the coverage you need, and also find great tips that will help you save even more.

Waco Texas Minimum Auto Insurance Requirements

The Lone Star State requires minimum amounts of liability coverage for all motorists. This protects persons whose property was damaged by another driver. The state of Texas uses a tort system. This means your insurance provider will make payments for your injury claims. It does not matter who is at fault, up to a certain limit. The tort system differs from state to state. So, under Texas state law, the minimum car insurance requirements are:

• $30000 – Liability limit per person
• $60000 – Bodily Injury Liability for all persons, per single accident
• $25000 – Property Damage Liability, per accident

SR22 Insurance Requirements in Waco, Texas

An SR-22 is a certificate of financial responsibility that guarantees a person has valid car insurance that meets Texas’s legal requirements. It’s commonly misunderstood that the SR-22 is an insurance policy. However, the SR-22 is a filing, which is added to a personal auto liability insurance policy. Although insurance providers issue this form, it is not an insurance card. The Texas Department of Motor Vehicles may require an SR-22 from a driver, issued by your insurance provider, to reinstate his or her driving privileges. The SR22 form is mainly designed for drivers who need to restore a suspended driver’s license.

Who Has To Carry SR22 Insurance in Waco TX?

There are several causes for drivers to file an SR22 form. For those with serious traffic violations in their records, such as a DUI, this document is usually mandatory. Even if a driver doesn’t own a vehicle, he or she will still be required to have an SR-22 in order to have the driver’s license reinstated.

An SR-22 can be required for many reasons. The typical circumstances that result in an SR-22 requirement are listed below:

• Conviction of a DUI or DWI
• Multiple Reckless Driving Convictions
• You had an accident and couldn’t prove financial responsibility or show proof of car insurance
• Repeated driving infractions or too many tickets in a short period
• To restore your driver’s license after a suspension or revocation

You’ll have to meet your state’s minimum liability requirements in order to file an SR-22. You should always carry proof of Waco Texas auto insurance with you if you drive on Texas public roads. You will be required to have your Waco Texas SR22 Insurance form for approximately three years from the day you get it.

Waco TX Car Insurance Coverage Options

Even a small accident could represent a costly expense for vehicle repairs or medical costs. Auto insurance protects you from those vast expenses. However, the financial responsibility laws in Waco Texas, and what you actually need could be quite different from what you currently have.

Comprehensive or collision coverage is not included in a minimum auto insurance policy. So, it makes financial sense to get more insurance protection.

Collision coverage will protect your car from the damage it suffers after an accident, up and to the policy limits. Comprehensive coverage pays for any unexpected situation that may occur in Waco, in which you or your vehicle were damaged and does not involve any other vehicle. This includes events like storm damage, fire, vandalism or theft. That’s why optional insurance policies, like comprehensive and collision coverage, are available for you on this website.

Car Insurance Zip Code In Waco Texas

Your Best Option To Get Cheap Car Insurance In Waco Texas

We offer the best auto insurance options so that you don’t spend more than necessary on car insurance in Waco. It’s possible to lower your premiums and save hundreds on auto insurance. Here are some tips you can take advantage of.

• Raise Your Deductible: A higher deductible of $1,000 will lower your premiums by 10% or more. 
• Drive an older used vehicle, preferably with four doors and a four-cylinder engine
• Get rid of overlapping coverage that you don’t need
• Drive less than 1,000 miles per month
• Get all the Discounts you can 
• Compare multiple quotes to see which company has the best rates for the coverage you need

Once you determine the coverage you need, the next step is to see which provider has the lowest rates. On this site you can compare up to 10 rates in just a few minutes. From regional providers to direct insurers, we can help you get covered for less. Enter your zip code and compare the best car insurance rates in Waco Texas online and start paying less for coverage.

Insurance Agents and Companies in Waco, Texas

.24 miles distant
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Waco Tax Service and Insurance
2024 W Waco Dr Ste 2, Waco, TX 76701
(254) 230-9891
Misc

0.36 miles distant
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Texian Insurance Agency
2208 W Waco Dr, Waco, TX 76701
(254) 756-4242
Foremost, The General, Titan, Victoria

0.46 miles distant
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Bailey Insurance & Risk Management
1201 Washington Ave, Waco, TX 76701
(254) 753-5317
Central, Nationwide, Progressive, Safeco, The Hartford

0.56 miles distant
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Freeway Insurance
2425 W Waco Dr, Waco, TX 76707
(254) 985-6076
Infinity

0.57 miles distant
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John Zucha
1026 Washington Ave, Waco, TX 76701
(254) 753-5200
Foremost

0.60 miles distant
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Autopartners Insurance Agency
2510 W Waco Dr, Waco, TX 76710
(254) 296-2228
Misc

0.60 miles distant
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A-Max Auto Insurance
2500 W Waco Dr, Waco, TX 76710
(254) 752-8000
Foremost, Infinity

0.69 miles distant
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David Gonzales
2501 Franklin Ave, Waco, TX 76710
(254) 772-2631
Farmers, Foremost

0.76 miles distant
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SIG – Lewis Insurance Group
801 Washington Ave Ste 417, Waco, TX 76701
(254) 753-2505
Foremost

0.78 miles distant
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Carlos Diaz Insurance Agency
1216 N 25th St, Waco, TX 76707
(254) 752-1875
Infinity, The General

0.83 miles distant
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Vista Insurance Agency
2800 W Waco Dr, Waco, TX 76710
(254) 230-4361
The General

0.91 miles distant
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ANCO Insurance
605 Austin Ave Ste 5, Waco, TX 76701
(254) 752-2626
Central, EMC, Kemper, MetLife Auto & Home, Nationwide, Safeco, State Auto, Travelers, Victoria

0.96 miles distant
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Mike McKenzie
2921 W Waco Dr, Waco, TX 76707
(254) 412-2327
State Farm

1.01 miles distant
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Watkins Insurance Group
3001 W Waco Dr Ste A, Waco, TX 76707
(254) 714-1300
Foremost, Safeco, The Hartford, Travelers

1.01 miles distant
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Insurors of Texas
225 S 5th St, Waco, TX 76701
(254) 759-3701
Chubb, Nationwide, Safeco, State Auto, The Hartford, Travelers

1.47 miles distant
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Acceptance Auto Insurance
3609 W Waco Dr, Waco, TX 76710
(254) 537-0380
Titan, Victoria

1.49 miles distant
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A-Max Auto Insurance
1706 S 19th St, Waco, TX 76706
(254) 753-2000
Foremost, Infinity

1.52 miles distant
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Insurors of TX General Agency
3701 W Waco Dr, Waco, TX 76710
(254) 756-3731
Westfield

1.58 miles distant
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ICA Insurance Agency
702 S Valley Mills Dr Apt C, Waco, TX 76711
(254) 752-3366
Alfa Vision, Foremost, Progressive, Kemper, Mendota, Safeway, Dairyland

1.59 miles distant
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Baker and Carey Insurance Agency
3529 Bosque Blvd, Waco, TX 76710
(254) 752-2277
Progressive

1.67 miles distant
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Texian Insurance Agency
3421 Memorial Dr, Waco, TX 76711
(254) 753-1063
Foremost, The General, Titan, Victoria

1.92 miles distant
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Herman Bell Insurance Agency
2118 La Salle Ave, Waco, TX 76706
(254) 756-0691
Alfa Vision, Foremost, Hallmark, Infinity, MetLife Auto & Home, National General, Progressive, The General, Victoria

1.95 miles distant
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Amanda Barton
2125 S Valley Mills Dr, Waco, TX 76706
(254) 857-7277
Foremost

2.09 miles distant
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Addax Insurance
719 N New Rd, Waco, TX 76710
(254) 732-4046
Alfa Vision, National General, The General, Travelers

2.10 miles distant
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J & H Insurance Services
510 N Valley Mills Dr Ste 701, Waco, TX 76710
(254) 772-6074
EMC, Foremost, Kemper, Safeco, State Auto, Travelers, Westfield

2.15 miles distant
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Harry Cleveland
534 N New Rd, Waco, TX 76710
(254) 772-1111
Farmers, Foremost

2.16 miles distant
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Doug Buchanan
536 N New Rd, Waco, TX 76710
(254) 741-6565
Allstate

2.30 miles distant
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Amco & Remco Insurance
737 N Valley Mills Dr, Waco, TX 76710
(254) 772-6300
Foremost, Infinity

2.44 miles distant
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Mark Sedberry
4600 Bosque Blvd, Waco, TX 76710
(254) 537-1049
Farmers, Foremost

2.44 miles distant
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A-Max Auto Insurance
901 N Valley Mills Dr, Waco, TX 76710
(254) 772-5000
Infinity

2.44 miles distant
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Donald Rowan Insurance Agency
537 Westview Vlg, Waco, TX 76710
(254) 772-8728
Foremost, Safeco, Travelers

2.55 miles distant
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Bart Romig
919 N Valley Mills Dr Ste A, Waco, TX 76710
(254) 772-5025
State Farm

2.56 miles distant
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Matt Dill
1000 S New Rd Ste 180, Waco, TX 76711
(254) 752-2022
State Farm

2.57 miles distant
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Terry Strickland
4949 Franklin Ave, Waco, TX 76710
(254) 776-7100
State Farm

2.59 miles distant
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Jason Kirk
1201 Lake Air Dr Ste C, Waco, TX 76710
(254) 227-6555
Farmers, Foremost

2.60 miles distant
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Alan Rhea
4708 W Waco Dr, Waco, TX 76710
(254) 776-9595
Farmers, Foremost

2.63 miles distant
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Autopartners Insurance Agency
1014 N Valley Mills Dr Apt A, Waco, TX 76710
(254) 772-9595
Misc

2.63 miles distant
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Browder General Insurance Agency
4800 Lakewood Dr Ste 3, Waco, TX 76710
(254) 776-1582
EMC, Foremost, MetLife Auto & Home, Safeco, State Auto, Titan, Travelers, Victoria

2.64 miles distant
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John Michael Bull
1600 Lake Air Dr, Waco, TX 76710
(254) 772-0852
Safeco

2.66 miles distant
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Glenn Cannon
4800 W Waco Dr Ste 102, Waco, TX 76710
(254) 732-1622
Farmers, Foremost

2.66 miles distant
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Budget Auto Insurance
3801 N 22nd St, Waco, TX 76708
(254) 235-0515
The General

2.69 miles distant
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Texas First State Insurance Plus Agency
5001 Bosque Blvd, Waco, TX 76710
(254) 399-5109
Foremost, Progressive, Safeco, The Hartford, Travelers

2.72 miles distant
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Easley Insurance & Financial Services
5006 Lakeland Cir Ste 208, Waco, TX 76710
(254) 399-0600
Kemper, MetLife Auto & Home, Safeco, State Auto, The Hartford

2.74 miles distant
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Addax Insurance
921 Lake Air Dr, Waco, TX 76710
(254) 221-4224
Infinity, MetLife Auto & Home, Safeco, State Auto

2.76 miles distant
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Darlene Vise
5010 Lakeland Cir Ste C, Waco, TX 76710
(254) 227-0251
Foremost

2.77 miles distant
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Nicole Omo
1515 Wooded Acres Dr, Waco, TX 76710
(254) 399-6565
State Farm

2.78 miles distant
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The Insurance Center of Central Texas
2012 Lake Air Dr Ste B, Waco, TX 76710
(254) 776-1290
Alfa Vision, Infinity, Kemper, National General, Progressive, Safeco, The General, The Hartford

2.82 miles distant
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Direct General Auto Insurance
1428 Wooded Acres Dr Ste 110, Waco, TX 76710
(254) 399-6699
Direct, Foremost, National General, Titan, Victoria

2.83 miles distant
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Jeffrey Pechacek
812 Lake Air Dr, Waco, TX 76710
(254) 776-1599
Farmers, Foremost

2.86 miles distant
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Blake Harrell
720 Lake Air Dr, Waco, TX 76710
(254) 772-0171
State Farm

2.99 miles distant
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Keith Sanders Insurance Group
4201 Lake Shore Dr Ste F, Waco, TX 76710
(254) 235-8185
State Auto

3.07 miles distant
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Richard Tyrone Allen
5601 Edmond Ave Ste E, Waco, TX 76710
(254) 339-9375
Foremost, Nationwide

3.09 miles distant
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Joseph Morphis
1617 N Valley Mills Dr, Waco, TX 76710
(254) 776-0215
State Farm

3.11 miles distant
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Joseph Przybylski
1603 N Valley Mills Dr, Waco, TX 76710
(254) 235-8199
Farmers, Foremost

3.31 miles distant
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Robert Hyde
1838 N Valley Mills Dr, Waco, TX 76710
(254) 227-6558
Farmers, Foremost

3.31 miles distant
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Scott Everett
1838 N Valley Mills Dr, Waco, TX 76710
(254) 227-6553
Farmers, Foremost

3.31 miles distant
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Talbert West Agency
107 Meadowbrook St, Robinson, TX 76706
(254) 715-3030
Foremost

3.42 miles distant
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Jeff Holder
1838 N Valley Mills Dr, Waco, TX 76710
(254) 227-6556
Farmers, Foremost

3.42 miles distant
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Steven Tindell
1838 N Valley Mills Dr, Waco, TX 76710
(254) 227-6550
Farmers, Foremost

3.52 miles distant
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Fitzhugh Insurance & Bonds
345 Owen Ln Ste 130, Waco, TX 76710
(254) 741-9599
Safeco

3.52 miles distant
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Salinas Insurance Agency
345 Owen Ln Ste 129, Waco, TX 76710
(254) 741-0770
Foremost, MetLife Auto & Home

3.55 miles distant
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Sue Berry
331 W Highway 6 Ste F, Waco, TX 76710
(254) 772-2040
Allstate