Car Insurance in Waco, TX
How much does car insurance
cost in Waco, Texas?
The average estimated cost of Lemonade car insurance in Waco ranges from roughly $1,190 to $1,230 per year*, depending on factors like your age, driving history,
car type, and location.
Here is a look at rates in other cities in Texas:
| City | Average monthly base premium* |
|---|---|
| Garland | $90 to $99 |
| Arlington | $100 to $109 |
| Houston | $90 to $99 |
| Frisco | $80 to $89 |
How can I get cheaper car insurance
in Waco, Texas?
Lemonade offers Texas drivers loads of opportunities
to help lower your car insurance rates.
Hybrid/EV discount
Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance
in Waco, Texas?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Waco, Texas?
To meet Texas car insurance coverage requirements, Waco drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Waco drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $30,000 (per person)/$60,000 (per accident) |
| Property damage liability | $25,000 |
What additional car insurance coverages
are available in Waco, Texas?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read MoreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read MorePersonal injury protection (aka PIP)
Can help pay for things like your medical bills, lost wages, and other related expenses after a car accident. With PIP, your own insurance company covers the medical expenses from a car accident regardless of who is at fault.
Read MoreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read MoreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read MoreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read MoreWaco Texas car insurance FAQs
What car insurance coverage is recommended for Waco’s hail-prone weather?
Comprehensive coverage is essential for Waco drivers to protect against hail and storm-related damages. This coverage ensures that your vehicle is covered for costly repairs caused by severe weather common in the area.
How does Waco’s I-35 corridor traffic impact car insurance needs?
The busy I-35 corridor can increase accident risks due to high traffic volumes. Collision coverage provides extra protection, covering repair costs if you’re involved in an accident in this area.
What happens if I don’t have the minimum car insurance coverage required in Waco?
If you’re uninsured in Waco, penalties could include $350 to $1,000 fines, a driver’s license surcharge, and possible vehicle impoundment. Your license or registration might be suspended, and you might be required to file an SR-22. Repeated violations could lead to jail time.
Is Texas an at-fault state?
Texas uses an at-fault system, and the same applies to Waco. Drivers who are found at fault for accidents must pay for damages, either through their insurance or their own resources.
How can I lower my car insurance premium in Waco?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Waco that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
By the way, did you know that Lemonade drivers in Waco get free roadside assistance? All you need to do is make sure that you’ve enabled location services in the Lemonade app.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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