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Find the Best Car Insurance Companies in Waco, TX

Purchasing a vehicle is an expensive investment that car insurance protects. A good car insurance policy should cover any and all issues you may face with your car in the future, including collision and medical coverage. To help you find a trustworthy company, we researched the best car insurance in Waco. This guide breaks down what to look for in a policy and company.

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EverQuote
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  • Available in Waco

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Progressive
  • Bundle plans & save
  • Discounts: multi-policy, teen driver & more
  • Comprehensive coverage
  • Available in Waco
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Liberty Mutual
  • Discounts: new member, multi-car & more
  • 24/7 claims online
  • Save up to 30% for good driving
  • Available in Waco
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The General
  • Customized due date rates
  • Accepts drivers with a poor driving history
  • Low down payments
  • Available in Waco
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Allstate Insurance: Sue Berry
  • M-Th: 8:30am - 5:30pm
  • F: 8:30am - 4:30pm
  • Closed Sat and Sun
  • agents.allstate.com/sue-berry-waco-tx.html
Location
331 W. Hwy. 6, Ste. F
Waco, TX 76710
(254) 772-2040
Farmers Insurance: David Gonzales
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • agents.farmers.com/tx/waco/david-gonzales
Location
2501 Franklin Ave.
Waco, TX 76710
(254) 772-2631
State Farm Insurance: Brian Wenzel
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • brianwenzel.com
Location
100 Santa Fe Dr.
Waco, TX 76712
(254) 772-0810
Freeway Insurance
  • M-Sat: 9am - 7pm
  • Closed Sun
  • freewayinsurance.com
Location
800 N. Valley Mills Dr.
Waco, TX 76710
(254) 633-2696
Direct Auto & Life Insurance
  • M-F: 9:30am - 6pm
  • Sat: 10am - 4pm
  • Closed Sun
  • local.directgeneral.com/texas/waco/1428-wooded-acres-drive
Location
1428 Wooded Acres Dr., Ste. 110
Waco, TX 76710
(254) 399-6699
AutoPartners Insurance
  • M-F: 9am - 6pm
  • Sat: 9:30am - 1pm
  • Closed Sun
  • texasapi.com
Location
2510 W. Waco Dr.
Waco, TX 76710
(254) 296-2228
Budget Insurance
  • M-F: 10am - 6pm
  • Sat: 11am - 3pm
  • Closed Sun
  • budgetinsuranceusa.com
Location
2625 W. Waco Dr., Ste. B
Waco, TX 76707
(254) 732-4777
A-MAX Auto Insurance
  • M-F: 9am - 7pm
  • Sat: 10am - 5pm
  • Closed Sun
  • amaxinsurance.com
Location
901-A N. Valley Mills Dr.
Waco, TX 76710
(254) 772-5000
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How to choose car insurance in Waco

skyline

McLennan County reported a total of 5,398 vehicle crashes in 2017. Car insurance protects you and your vehicle not only after an accident, but also helps cover other mishaps as well, such as vehicle theft.

In Texas, each car owner must hold insurance for these minimum liability limits:

  • Per injured person/per accident: $30,000/$60,000
  • Property damage: $25,000

This is called 30/60/25 coverage, but because of the high costs associated with car wrecks, this coverage may not be enough. Experts warn not to get caught short by meeting just minimum liability limits. Standard coverage is 100/300/100. If you want to save money on your insurance, it’s recommended that you raise your deductible instead.

Your annual premium is based on a few factors, including the type of vehicle, your demographics and your driving record. Below is a breakdown of average annual premiums for a 40-year-old male living in Waco.

Neighborhood 30/60/25 100/300/100
Brazos (76701) $406 $1,159
Woodway (76712) $407 $1,137
Hewitt (76643) $438 $1,206
Robinson (76706) $407 $1,148
Beverly Hills (76711) $406 $1,142

If you want more a well-rounded policy, add other types of coverage. In fact, auto lenders require that you have both collision coverage and comprehensive coverage if still paying off your car. In the case of an accident with another vehicle, your insurance company will either fix or total your car with collision coverage. Comprehensive coverage repairs or replaces your car due to theft or damage from an event other than a vehicle crash.

Additional types of coverage you can add to your car insurance policy include:

  • Medical payments coverage
  • Personal injury (PIP) coverage*
  • Towing and labor coverage
  • Rental reimbursement coverage
  • Electronic coverage (for stereo systems, etc.)

*Some states require PIP coverage. In Texas, the laws are a bit different. Texas law states that your insurance carrier must offer PIP insurance, but you can refuse to purchase it, as long as all of this is in writing. While in theory everyone would be covered by insurance—no matter who’s at fault—that isn’t the reality. Texas ranks among the top 20 states with 14 percent of drivers being uninsured. In general, PIP covers you and your passengers if there are injuries due to a car accident regardless of who’s at fault and whether or not the other driver has insurance.

How to buy car insurance in Waco

You can purchase auto insurance online, through an independent agent or broker, or with a captive agent. A captive agent, which is the more traditional option, works exclusively for one insurance company and will become your point of contact throughout your partnership. Your agent will walk you through what coverage is required and offer advice based on your driving habits.

Each way has benefits and drawbacks. Here’s a quick look:

Purchase method Pros Cons
Online Convenient and pressure-free Requires a basic understanding of auto insurance
Independent agent/broker Unbiased helping hand and comparison shopping May try to upsell you for more commission
Captive agent Relationship/familiarity and more specific guidance Limited options in terms of pricing and features

How you decide to purchase auto insurance is up to you. If you value building a relationship with your insurer more than competitive pricing, consider working with a captive agent. Purchasing online is more flexible, which suits busy people or those who prefer doing things themselves.

You can even receive car insurance quotes from all three sources before you decide which route to take. Working with a company you trust is ultimately the most important aspect so that you are covered for any scenario.

Car Insurance Reviews

Progressive

As the third largest auto insurance company, Progressive insures over 18 million drivers across the nation. Progressive offers a variety of coverage levels, 24/7 service and discounts for signing up online and for covering multiple cars. The convenient Name Your Price Tool allows you to input what you want to pay and it will build a policy around that price.

Progressive

Liberty Mutual

In all Liberty Mutual policies, property damage and medical payments are included alongside bodily injury liability. These policies also have 24/7 customer service, a 12-month rate guarantee and lifetime repair guarantee. Liberty Mutual has specific coverage for teachers that includes free vandalism loss protection, personal property coverage and collision coverage while on school property.

Liberty Mutual

The General

The General has lenient requirements and is known for covering customers who have less than perfect credit scores and driving records. The General offers 24/7 roadside assistance and rental reimbursement and maintains an A- (excellent) rating from AM Best, an insurance rating organization.

The General