Waxahachie, TX Auto Insurance (2024)
The average Waxahachie, TX auto insurance rates are $315 per month. The minimum auto insurance in Waxahachie is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Waxahachie, Texas, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Waxahachie for teen drivers is Allstate
- Average auto insurance rates in Waxahachie, TX for senior drivers are $2,300 per year
- The cheapest auto insurance company in Waxahachie is USAA
Waxahachie, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Waxahachie can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Waxahachie, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Waxahachie to other Texas cities, including Plano auto insurance rates, Arlington auto insurance rates, and El Paso auto insurance rates to see how Waxahachie, Texas auto insurance rates stack up.
Before you buy Waxahachie, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Waxahachie, Texas auto insurance quotes.
Minimum Auto Insurance in Waxahachie, Texas
Waxahachie, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Waxahachie, Texas.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Waxahachie, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Waxahachie, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,685 | $3,707 | $3,636 | $3,636 | $9,864 | $11,879 | $4,551 | $4,724 |
| American Family | $2,475 | $2,753 | $2,330 | $2,666 | $6,631 | $8,700 | $3,562 | $4,068 |
| Geico | $2,501 | $2,696 | $2,413 | $2,728 | $5,480 | $5,696 | $2,703 | $2,701 |
| Nationwide | $2,301 | $2,338 | $2,039 | $2,155 | $6,436 | $8,248 | $2,696 | $2,912 |
| Progressive | $2,282 | $2,158 | $2,034 | $2,074 | $9,587 | $10,659 | $2,691 | $2,718 |
| State Farm | $1,969 | $1,969 | $1,757 | $1,757 | $4,800 | $6,131 | $2,146 | $2,210 |
| USAA | $1,561 | $1,563 | $1,497 | $1,478 | $4,441 | $4,814 | $2,072 | $2,206 |
Cheap Waxahachie, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Waxahachie, Texas is a challenge. Take a look at the annual teen auto insurance rates in Waxahachie, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,864 | $11,879 |
| American Family | $6,631 | $8,700 |
| Geico | $5,480 | $5,696 |
| Nationwide | $6,436 | $8,248 |
| Progressive | $9,587 | $10,659 |
| State Farm | $4,800 | $6,131 |
| USAA | $4,441 | $4,814 |
Cheap Waxahachie, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Waxahachie, Texas? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,636 | $3,636 |
| American Family | $2,330 | $2,666 |
| Geico | $2,413 | $2,728 |
| Nationwide | $2,039 | $2,155 |
| Progressive | $2,034 | $2,074 |
| State Farm | $1,757 | $1,757 |
| USAA | $1,497 | $1,478 |
Cheap Waxahachie, Texas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Waxahachie, Texas compared to the annual auto insurance rates with a clean record in Waxahachie, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,394 | $6,880 | $7,172 | $4,394 |
| American Family | $3,779 | $4,814 | $4,220 | $3,779 |
| Geico | $2,855 | $3,778 | $3,152 | $3,675 |
| Nationwide | $3,164 | $3,164 | $4,665 | $3,568 |
| Progressive | $3,731 | $4,824 | $4,350 | $4,196 |
| State Farm | $2,517 | $2,898 | $3,438 | $2,517 |
| USAA | $1,825 | $2,707 | $3,189 | $2,095 |
Cheap Waxahachie, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Waxahachie, Texas is not easy. Compare the annual rates for DUI auto insurance in Waxahachie, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,172 |
| American Family | $4,220 |
| Geico | $3,152 |
| Nationwide | $4,665 |
| Progressive | $4,350 |
| State Farm | $3,438 |
| USAA | $3,189 |
Cheap Waxahachie, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Waxahachie, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,257 | $5,318 | $4,556 |
| American Family | $5,701 | $3,595 | $3,149 |
| Geico | $5,197 | $2,939 | $1,958 |
| Nationwide | $4,370 | $3,506 | $3,046 |
| Progressive | $4,805 | $4,161 | $3,860 |
| State Farm | $4,023 | $2,506 | $1,998 |
| USAA | $3,589 | $2,089 | $1,685 |
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Cheap Waxahachie, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Waxahachie, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Waxahachie, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 75165 | $5,526 |
| 75167 | $5,583 |
Cheap Waxahachie, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Waxahachie, Texas auto insurance. Find the cheapest annual Waxahachie, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,566 | $5,854 |
| American Family | $4,148 | $4,148 |
| Geico | $3,304 | $3,426 |
| Nationwide | $3,641 | $3,641 |
| Progressive | $4,275 | $4,275 |
| State Farm | $2,842 | $2,842 |
| USAA | $2,423 | $2,485 |
Cheap Waxahachie, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Waxahachie, Texas? Check out the comparison of annual Waxahachie, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,572 | $5,658 | $5,901 |
| American Family | $3,866 | $3,997 | $4,582 |
| Geico | $3,195 | $3,328 | $3,571 |
| Nationwide | $3,907 | $3,487 | $3,528 |
| Progressive | $4,076 | $4,253 | $4,498 |
| State Farm | $2,687 | $2,833 | $3,008 |
| USAA | $2,363 | $2,443 | $2,556 |
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Best By Category: Cheapest Auto Insurance in Waxahachie, Texas
Compare the cheapest auto insurance companies in Waxahachie, Texas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
The Cheapest Waxahachie, Texas Auto Insurance Companies
What auto insurance companies in Waxahachie, Texas are the cheapest? Compare the top Waxahachie, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,710 |
| American Family | $4,148 |
| Geico | $3,365 |
| Nationwide | $3,641 |
| Progressive | $4,275 |
| State Farm | $2,842 |
| USAA | $2,454 |
What affects auto insurance rates in Waxahachie, Texas?
There are a lot of reasons why auto insurance rates in Waxahachie, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Waxahachie, Texas. Many local factors may affect your Waxahachie auto insurance rates.
Waxahachie Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Waxahachie, Texas auto theft statistics, there have been 45 auto thefts in the city.
Waxahachie Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waxahachie, Texas commute length is 26.3 minutes according to City-Data.
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Compare Waxahachie, Texas Auto Insurance Quotes
Before you buy Waxahachie, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Waxahachie, Texas auto insurance quotes.
Frequently Asked Questions
What is the average auto insurance rate in Waxahachie, TX?
The average auto insurance rates in Waxahachie, TX are $315 per month.
What is the minimum auto insurance coverage required in Waxahachie, TX?
To comply with Texas auto insurance laws, the minimum required auto insurance coverage in Waxahachie is 30/60/25. This means you need at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
What are the auto insurance rates for teen drivers in Waxahachie, TX?
Auto insurance rates for teen drivers in Waxahachie, TX can be higher compared to other age groups. The rates can vary depending on the insurance company, but some of the companies that offer coverage for teen drivers in Waxahachie include Allstate, American Family, GEICO, Nationwide, Progressive, State Farm, and USAA.
What are the auto insurance rates for senior drivers in Waxahachie, TX?
The average auto insurance rates for senior drivers in Waxahachie, TX are around $2,300 per year. However, rates can vary depending on the insurance company and other factors such as driving record and credit history.
Can I purchase additional coverage options for my auto insurance in Waxahachie, Texas?
Yes, you have the option to add additional coverage options to your auto insurance policy in Waxahachie, Texas. Some common optional coverages include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, medical payments coverage, and roadside assistance. These additional coverages provide extra protection and peace of mind.
Do I need auto insurance if I don’t own a car but still drive in Waxahachie, Texas?
Yes, if you frequently drive in Waxahachie, Texas, even if you don’t own a car, it’s important to have auto insurance coverage. Non-owner car insurance is designed for individuals who drive but don’t own a vehicle. This type of insurance provides liability coverage when you’re driving a borrowed or rented car.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.