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2024

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Best Local Car Insurance Agencies in Waco

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Waco Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

85Reviewed

55Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7111 Bosque Boulevard, Waco, TX 76710
WebsiteLicense: 1059767

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Brazos Valley Insurance Agency is a third-generation family-owned and operated independent insurance company in Waco that traces its history back to 1928. Today, it helps the people of Texas secure a variety of insurance products, including car insurance. The state laws require drivers to carry at least liability coverage for bodily injury and property damage, although clients may request the associates of Brazos Valley Insurance Agency to include additional protection in their insurance plan.

  • Bundling Option

8283 Bosque Boulevard, Woodway, TX 76712

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Shivers & Associates Insurance serves Waco and the surrounding communities. It offers auto insurance plans with options including comprehensive and collision coverage, property damage and personal injury protection, uninsured and underinsured motorist, and roadside assistance coverage. Home insurance solutions are also available for clients who wish to protect their homes and personal property with water seepage and leakage, water and sewer backup, identity theft, and foundation coverages. Shivers & Associates Insurance also offers umbrella plans for those who want additional coverage beyond what traditional policies can provide.

  • Individual Plans
  • Life Insurance

2118 La Salle Avenue, Waco, TX 76706
WebsiteLicense: 780618

Expertise.com Rating

Review Sources

Google
4.0 (25)
Yelp
1.0 (1)

Why choose this provider?

Herman Bell Insurance Agency is an independent insurance firm answering the coverage needs of individuals, families, and businesses in Waco. Offering car insurance, its professional and experienced associates connect with several reputable and financially sound carriers to source a selection of quotes that drivers can choose from based on their personal needs and requirements. They help clients understand what their policy will cover in the event of an automotive emergency. Herman Bell Insurance Agency also insures motorcycles, RVs, and boats.

  • Bundling Option
  • Home & Auto Insurance

12270 Moffat Road, Temple, TX 76502
WebsiteLicense: 1260110

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (1)

Why choose this provider?

For more than a century, David Coufal Insurance Agency has been addressing the car insurance needs of residents and businesses in Waco. Founded in 1914, the independent insurance firm assists customers in protecting their vehicles against disasters with a car insurance policy. Its agents serve standard drivers like mature motorists, as well as non-standard car owners like younger drivers and SR-22 drivers. They affiliate with several insurance carriers to create a customized policy akin to their clients' needs. They also provide insurance for classic cars and recreational vehicles.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

213 Old Hewitt Road, Waco, TX 76712
WebsiteLicense: 2258746

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

The Waco-based Ross Insurance Agency has provided insurance-related services to Central Texan clients for over fifteen years. It offers auto insurance solutions, which cover auto liability for vehicular and property damage, auto collisions, theft, and medical expenses for personal injuries. In addition, the company can insure vehicles such as boats/watercraft, classic cars, motorcycles, and RVs. Its services also cover commercial establishments, homes, flood-damaged properties, life insurance policies, renters, and umbrellas. Carriers include Chubb, GuideOne, Liberty Mutual, and Safeco.

  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

2625 West Waco Drive, Waco, TX 76707
WebsiteLicense: 2197455

Expertise.com Rating

Review Sources

Google
4.7 (159)
Facebook
5.0 (18)

Why choose this provider?

Budget Insurance USA is an independent insurance provider that addresses the different needs of the people of Waco. It employs professional associates who can help drivers of different backgrounds obtain car insurance policies that will fit their individual needs, risks, and preferences, while keeping them covered on the road. Additionally, they offer assistance for SR22 filing, notary services, and tax preparation. Budget Insurance USA also offers other insurance products, such as motorcycle, homeowners, renters, and commercial insurance.

  • Home & Auto Insurance

3529 Bosque Boulevard, Waco, TX 76706
WebsiteLicense: 1191443

Expertise.com Rating

Review Sources

Google
4.0 (36)
Facebook
5.0 (1)

Why choose this provider?

Baker and Carey Insurance Agency is a multi-line independent insurance firm based in Waco. Serving individuals, families, and businesses, it has professional agents who have the experience to design auto insurance policies based on vehicle owners’ needs to protect them against serious financial loss in the event of an automotive emergency. Baker and Carey Insurance agency is an authorized agent of Progressive. The company also offers insurance products for other vehicles, including motorcycles, RVs, and boats.

  • RV & Motorhome
  • Boats
  • Home Insurance

2526 Blue Meadow Drive, Temple, TX 76502
WebsiteLicense: 849979

Expertise.com Rating

Review Sources

Google
4.9 (20)

Why choose this provider?

The David Nix Agency is an insurance agency that proactively helps its clients address their needs in the Temple and Waco areas. Established in 1993, the agency's team of insurance professionals helps clients choose the most suitable auto insurance to meet the state requirement of liability coverage. Clients also have the option of getting collision, comprehensive, and uninsured motorist coverage. The David Nix Agency has a strong focus on integrity and honesty. Its president, David Nix, is a certified insurance counselor since 1991.

  • Multiple Carriers

6801 Sanger Avenue, Waco, TX 76710

Expertise.com Rating

Review Sources

Google
4.6 (79)
Yelp
5.0 (1)

Why choose this provider?

McGriff Insurance Services is a local car insurance agency that serves residents of Waco and its surrounding areas. The agency provides various coverages to protect drivers of cars, motorcycles, boats, ATVs, and RVs in case of accidents. These coverages include comprehensive, liability, collision, medical, roadside assistance, and underinsured or uninsured motorist. Aside from vehicle insurance, the company also offers other personal insurance for homes, pets, and health. The company has been providing its services since 1886.

  • Motorcyle & ATV
  • RV & Motorhome
  • Golf Cart & Scooter

112 Sharron Drive, Waco, TX 76712
WebsiteLicense: 16064

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Pinnacle Insurance Group, Inc., is a Waco-based business that offers personal and commercial lines of protection that include car insurance. Collision, comprehensive, liability, rental reimbursement, and roadside assistance are some of the coverages it offers. Its team of agents can also bundle auto and home insurance in one plan. They have access to policies from numerous providers, including Chubb, Zurich, and MetLife. Pinnacle Insurance Group's risk management professionals have more than 50 years of collective industry experience.

  • RV & Motorhome
  • Boats

2810 Oakdale Drive, Temple, TX 76502
WebsiteLicense: 1949001

Expertise.com Rating

Review Sources

Google
4.9 (68)

Why choose this provider?

Nichole Guajardo is a State Farm insurance agent, serving clients in and around Waco. She provides different auto insurance policies to cover weather and accident damage. Nichole meets with clients either in-person or through messaging to assess their driving history and risks. She can provide comprehensive plans for general risks, including animal collisions. She also has specialized coverage for specific dangers like underinsured drivers or medical injuries from accidents. Nichole caters to clients that speak Spanish and Portuguese.

  • Bundling Option

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What are the most common car insurance discounts available to Waco residents, and how much money can they save with each one?

    Waco residents can take advantage of a variety of standard discounts from various auto insurance companies, including companion policy discounts. This option provides a 15% discount on liability coverage, personal injury protection, and medical payments. A mature driver discount of 10% is also available. Qualifying drivers under the age of 25 can receive up to a 15% discount on their premiums under the academic achievement discount.

  • What is the expected car insurance cost for Waco residents who have specific violations on their driving records?

    Waco drivers who have been arrested for DWI or DUI may face an annual car insurance bill of $2,038. Reckless driving may result in an annual insurance cost of $2,021, whereas speeding tickets may result in a yearly insurance cost of $1,433. Maintaining a clean driving record is one of the most effective ways for drivers to reduce their car insurance costs.

  • Is it mandatory to have car insurance in Waco?

    Waco residents are required by law to have car insurance. The state mandates $25,000 in property damage liability per accident, $30,000 in bodily injury per individual, and $60,000 in bodily injury per accident. Waco drivers who are caught driving without car insurance may have their license suspended, must pay a reinstatement fee, and face higher premium rates.

  • How does the age of a vehicle impact its insurance premium in Waco?

    In Waco, vehicles that are six to seven years old incur the highest insurance costs, with owners of such vehicles paying approximately $73 per month. On the other hand, vehicles under one year old can be insured for as little as $53 per month. The average monthly insurance premium for all car owners in the area, however, stands at around $58.

  • Can Waco residents buy car insurance at dealerships?

    Insurance cannot be purchased at dealerships by Waco residents. Only licensed insurance agents or brokers who have been approved by the Texas Department of Insurance may sell auto insurance. The acquisition of auto liability insurance is a legal requirement in the state, ensuring that drivers can demonstrate their financial capability to cover the costs of any accidents they may cause.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.