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Cheap Car Insurance in Waco, Texas

Find cheap car insurance in Waco, a Texas small town with urban amenities. Home to Baylor University and Texas State Technical College, Waco is largely a college town with an estimated 133,790 residents and plenty of points of interest for visitors. Those include the Waco Mammoth Site, where fossils of the enormous creatures have been preserved “in situ” for visitors, as well as Baylor University’s Mayborn Museum Complex and even a Dr. Pepper Museum. Situated on the Brazos River halfway between Dallas and Austin, Waco is the site of an infamous 1993 standoff between FBI agents and Branch Davidian religious sect that ended in a fire that killed 74, including leader David Koresh.

Driving Conditions in Waco

Waco is about 90 miles from Dallas and 100 miles from Austin via Interstate 35, which is notoriously congested particularly closer to Austin. I-35 has also drawn a not-so-great reputation for being under some sort of constant construction, which makes commuting via the freeway rough.

Even so, the Obrella Insider in 2015 ranked Waco at No. 32 on a list of Texas cities with the best commute. The average commute time for Waco is 19 minutes, six minutes faster than the national average. Current information on accidents, construction and weather-related delays is available at or

Unique Laws in Waco

An antiquated law in Waco forbids throwing banana peels into the street, as doing so may cause a horse to slip. More recently, the city this year approved a small lot ordinance, or “skinny house law,” allowing home builders to construct tiny homes within Waco’s “City Center” to help redevelop inner city areas.

Beginning this year, applicants for a Texas driver’s license must take a course in distracted driving in addition to other requirements. A course specifically for drivers 35 and older is expected to be added in 2018. In Texas, adults can legally ride in the bed of a truck, according to Texas state laws. There are even exceptions when it comes to children riding in truck beds, one being if the truck is the family’s only vehicle. After an auto accident, there is a two-year statute of limitations on filing a lawsuit for personal injury or property damage.

Waco Crime Statistics

FBI statistics compiled for 2016 show 695 violent crimes in Waco, four of which were murder or non-negligent manslaughter. The local violent crime rate of 519 offenses per 100,000 residents is above the average U.S. violent crime rate of 386 per 100,000. The 2016 property crime rate in Waco was 3,649 offenses per 100,000 residents, also above the national average of 2,451 per 100,000 residents.

Autos are safe by comparison, however. Within the city, 147 vehicles were stolen in 2016, FBI data shows, a rate of 112 per 100,000 residents. The national average for 2016 was 236.9 incidents per 100,000 people.

Waco Safety Requirements

Texas law requires children younger than 8 to ride in car seats unless he or she is taller than 4 feet, 9 inches, the Texas Department of Transportation states. A safety seat is also required to be used according to manufacturer’s directions. Not complying with those directions, according to TxDOT, could result in a $250 fine. Texas officials have stepped up enforcement in light of a 2017study of nearly 14,000 children in 14 Texas cities that shows 33.5 percent of children from birth to age 4 were buckled incorrectly or not at all.

A statewide ban on driving while texting went into effect in September 2017. Seat belts are mandatory for all drivers and front-seat passengers and for minors whether in the front or rear seats, Texas law states. Fines and court costs of up to $200 can result for not buckling up.

Waco Impaired Driving Laws

In the Lone Star State, a person is legally intoxicated and may be arrested and charged with Driving While Intoxicated with a .08 BAC (blood or breath alcohol concentration) in Texas. However, a driver can also be deemed intoxicated if impaired due to alcohol or other drugs regardless of BAC. Both drivers and passengers also can be fined $500 for having an open alcohol container in a car.

First offenders face a fine of up to $2,000, three to 180 days in jail, loss of driver’s license for up to 2 years and an annual fee of up to $2,000 for three years to retain a driver’s license. Charges are enhanced if there is a passenger younger than 15 in the car. Regardless of your background or circumstances, it’s not impossible to find cheap car insurance in Waco; contact us for rate comparisons.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

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When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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