Auto Insurance in Waco, TX
Auto insurance in Texas is required by state law. Drivers must carry minimum liability coverage of $30,000 per injured person, $60,000 per accident, and $25,000 for property damage (the 30/60/25 rule). Most agents offer collision and comprehensive add-ons, plus uninsured-motorist protection.
Auto insurance in Waco, TX: 24 licensed insurance agencies serve 145,341 residents in McLennan County. auto premiums average $1,730 per year — 5% below the Texas state average. wind + hail drives 55% of homeowner claims.
24 auto insurance agencies in Waco
Within 15 miles of Waco, TX. Click any agency to view profile, contact info, and request a quote.
ALPA Insurance
ALPA Insurance offers quick, simple, no‑commitment coverage across Texas, boasting more than 50 locations and 15 years of service. They provide a range of personal and commercial lines such as auto, motorcycle, renters, homeowners and commercial insurance, with bilingual staff serving English and Spanish speakers.
Freeway Insurance
Freeway Insurance is a nationwide agency that offers a wide range of insurance products, including auto, homeowners, renters, life, motorcycle, and boat coverage. The Waco, Texas location provides support for policy questions via phone and online quotes, serving customers across all 50 states.
Amtex Insurance
Amtex Insurance provides affordable auto, home, and business insurance solutions, emphasizing personal service and community involvement. They offer quick, comprehensive coverage by shopping multiple carriers to find the best rates for customers.
High & Associates Inc
High & Associates, Inc has been serving clients since 2000 as a full‑service independent insurance agency. They provide individualized advice and solutions for a range of insurance and risk management needs. Their professionals bring over 25 years of experience and work for the client, not the insurance carriers.
America's Best Auto Insurance
Licensed insurance agency in Waco, TX; represents 8 carriers.
Higginbotham - Waco
Welcome to Higginbotham in Waco, your trusted partner for insurance and employee benefits solutions. At Higginbotham we believe in delivering tailored services that meet the unique needs of each client, providing personalized and values‑driven service across personal and business lines.
Freeway Insurance
Freeway is a nationwide insurance retailer that helps customers obtain auto, homeowners, renters, life, motorcycle and boat insurance among other products. The site offers an online quote tool and lists phone numbers for assistance. It serves all 50 U.S. states and provides a range of insurance options.
Direct Auto Insurance
Direct Auto is a local insurance agency in Waco offering auto insurance, term life insurance, roadside assistance, and SR‑22 filing services. Agents provide flexible payment options and in‑person quotes at their H‑E‑B store location. The agency serves customers in Texas with a focus on car‑related coverage.
ALPA Insurance
ALPA Insurance provides quick, simple, commitment‑free insurance solutions across Texas, boasting more than 50 locations and 15 years of service. They emphasize bilingual service (English/Spanish) and a hassle‑free quoting process.
One Stop Insurance
Licensed insurance agency in Waco, TX; represents 16 carriers.
A-MAX Auto Insurance
A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.
A-MAX Auto Insurance
A-MAX Insurance is a trusted, community-focused insurance agency that helps customers compare coverage options from 35+ top-rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more - all while delivering personalized service you can count on.
State Farm Insurance
State Farm is a nationwide insurance and financial services company offering a wide range of products such as auto, home, renters, life, boat, and motorcycle insurance. Since its founding in 1922, the company emphasizes personalized protection and community involvement, serving millions of customers across the United States.
A-MAX Auto Insurance
A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies offering over 400 plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.
Kalynn Tindall - State Farm Insurance Agent
Kalynn Tindall is a State Farm insurance agent serving Waco and surrounding Texas communities. The agency offers auto, homeowners, renters, life, motorcycle and boat insurance and focuses on personalized service and community involvement.
Baker and Carey Insurance Agency
Baker & Carey Insurance is a locally owned, family‑run agency in Central Texas serving Waco and surrounding areas since 1968. They focus on personalized insurance solutions for families, offering a range of products through independent carrier partnerships.
Direct Auto Insurance
Direct Auto is a car insurance agency located at 1428 Wooded Acres Dr Ste 110 in Waco, Texas. They offer auto insurance, term life insurance, roadside assistance, SR‑22 filings, and related products with flexible payment options. The agency serves English and Spanish speaking customers and has a rating of 4.7 from 224 reviews.
A-MAX Auto Insurance
A-MAX Insurance is a trusted, community-focused insurance agency that helps customers compare coverage options from 35+ top-rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.
Cathy Hammond - State Farm Insurance Agent
Cathy Hammond is a State Farm agent in Waco, Texas, with over 26 years of industry experience and her own office since 2021. She serves the Waco‑McLennan County area and surrounding Texas regions, offering a range of insurance products in English and Italian. The agency is known for a high customer rating and community involvement.
Pronto Insurance
Pronto Insurance provides affordable, fast and reliable coverage across Texas, specializing in auto, home, renters and business insurance. They partner with over 30 carriers to offer competitive rates and a range of services including SR‑22, surety bonds, roadside assistance and windshield repair.
Direct Auto Insurance
Direct Auto Insurance agency located at 119 Eastgate Plaza in Bellmead, Texas. It offers car insurance, term life insurance, SR‑22 filings, roadside assistance and other related products.
HighView Insurance Group
HighView Insurance is an independent agency based in Waco, Texas offering personal, health, and commercial insurance solutions. They shop multiple carriers to find the best rates and provide personalized, locally‑focused service.
Vista Insurance
Vista Insurance Agency offers auto, home, renters, and commercial insurance solutions with over 25 years of experience, emphasizing personalized service and a wide selection of carriers.
Joel Fuessel - Secured First Financial of Texas - Independent Agent
Secured First Financial of Texas is an independent life insurance agency based in Waco, Texas, established in 2009 and operating as an independent agency since 2016. It offers life insurance, mortgage protection, retirement annuities, physical gold and silver, and estate planning services across multiple states.
Frequently asked questions
Is auto insurance required in Texas?
Yes. Texas law requires minimum liability coverage of 30/60/25 ($30,000 bodily injury per person, $60,000 per accident, $25,000 property damage). Driving without it can result in fines and license suspension.
How do I get a quote from a local agent?
Browse the agencies on this page, click any profile, and either call directly or use the Request Contact form. Most agencies will have a quote ready within one business day.
What does an independent agent vs a captive agent mean?
Captive agents represent a single carrier (like State Farm or Allstate). Independent agents quote multiple carriers, which can mean better rate comparison. Both are licensed by the Texas Department of Insurance.