Best Cheap Auto Insurance in Waxahachie, TX (2021)

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2021

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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.

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Waxahachie, Texas

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Waxahachie, Texas

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.

Annual Waxahachie, Texas Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Waxahachie, Texas

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.

Annual Auto Insurance Rates by Credit Score in Waxahachie, Texas

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.

Annual Auto Insurance Rates by ZIP Code in Waxahachie, Texas

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.

Annual Auto Insurance Rates by Commute Length in Waxahachie, Texas

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.

Annual Auto Insurance Rates by Coverage Level in Waxahachie, Texas

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.

Best Annual Auto Insurance Rates by Company in Waxahachie, Texas

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.

Average Annual Auto Insurance Rates by Company in Waxahachie, Texas

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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