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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.

AI

ALPA Insurance

Waco, TX· 1.0 mi
Agency
Popular
3-5 agents15yr

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.

Spanish
AutoCommercial GLHomeownersMotorcycle+2 more
Carriers: Progressive, Dairyland (Sentry), GAINSCO +3
View Agency
FI

Freeway Insurance

Waco, TX· 1.0 mi
Agency
Very Popular
3-5 agents

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.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: Confie (parent MGA), Progressive County Mutual, National General +3
View Agency
AI

Amtex Insurance

Waco, TX· 1.8 mi
Agency
Very Popular
3-5 agents25yr

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.

AutoCommercial GLHomeownersMotorcycle+2 more
Carriers: ACCC Insurance Company, American Access Casualty, Progressive County Mutual +9
View Agency
HI

High & Associates Inc

Hewitt, TX· 5.7 mi
Agency
New on InsurConnect
10+ agents26yr

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.

AutoBoatCommercial GLHomeowners+4 more
Carriers: AMFIRST INSURANCE COMPANY, AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE, Aetna Dental Inc. +105
View Agency
AI

America's Best Auto Insurance

Waco, TX· 1.1 mi
Agency
6+ agents

Licensed insurance agency in Waco, TX; represents 8 carriers.

AutoCommercial GLHomeownersRenters+1 more
Carriers: Progressive County Mutual, GAINSCO, Mercury Casualty +5
View Agency
HI

Higginbotham - Waco

Woodway, TX· 5.0 mi
Agency
New on InsurConnect
10+ agents20yr

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.

AutoHomeownersRentersLife+7 more
View Agency
FI

Freeway Insurance

Waco, TX· 2.9 mi
Agency
Very Popular
3-5 agents

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.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: Confie (parent MGA), Progressive County Mutual, National General +3
View Agency
DI

Direct Auto Insurance

Waco, TX· 2.0 mi
Agency
Popular
3-5 agents

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.

AutoCommercial GLHomeownersLife+2 more
Carriers: Direct Auto, National General Insurance Group
View Agency
AI

ALPA Insurance

Waco, TX· 3.1 mi
Agency
Popular
3-5 agents15yr

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.

Spanish
AutoCommercial GLHomeownersMotorcycle+2 more
Carriers: Progressive, Dairyland (Sentry), GAINSCO +3
View Agency
OI

One Stop Insurance

Waco, TX· 1.0 mi
Agency
New on InsurConnect
20+ agents

Licensed insurance agency in Waco, TX; represents 16 carriers.

AutoCommercial GLHomeownersRenters+1 more
Carriers: ACCC Insurance Company, Alinsco Insurance Company, AssuranceAmerica Insurance Company +13
View Agency
AI

A-MAX Auto Insurance

Waco, TX· 1.4 mi
Agency
6+ agents

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.

Spanish
AutoBoatCommercial GLCommercial Property+3 more
Carriers: Progressive County Mutual, Direct Auto Insurance, Mercury Insurance +4
View Agency
AI

A-MAX Auto Insurance

Waco, TX· 3.0 mi
Agency
6+ agents

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.

Spanish
AutoBoatCommercial GLCommercial Property+3 more
Carriers: Progressive County Mutual, Direct Auto Insurance, Mercury Insurance +4
View Agency
SI

State Farm Insurance

Hewitt, TX· 6.5 mi
Agency
New on InsurConnect
10+ agents104yr

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.

AutoHomeownersRentersCommercial GL+6 more
Carriers: State Farm
View Agency
AI

A-MAX Auto Insurance

Waco, TX· 1.1 mi
Agency
6+ agents

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.

Spanish
AutoBoatCommercial GLCommercial Property+3 more
Carriers: Progressive County Mutual, Direct Auto Insurance, Mercury Insurance +4
View Agency
KT

Kalynn Tindall - State Farm Insurance Agent

Hewitt, TX· 0.7 mi
Agency
Very Popular
1-2 agents

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.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: State Farm
View Agency
BA

Baker and Carey Insurance Agency

Waco, TX· 1.2 mi
Agency
Very Popular
1-2 agents58yr

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.

AutoBoatCommercial GLHomeowners+2 more
Carriers: ASI Lloyds, Allmerica Financial Alliance Insurance Company, Allmerica Financial Benefit Insurance Company +19
View Agency
DI

Direct Auto Insurance

Waco, TX· 3.4 mi
Agency
Popular
3-5 agents

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.

Spanish
AutoCommercial GLHomeownersLife+3 more
Carriers: Direct Auto Insurance, National General Insurance Group
View Agency
AI

A-MAX Auto Insurance

Waco, TX· 4.4 mi
Agency
6+ agents

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.

Spanish
AutoBoatCommercial GLHomeowners+2 more
Carriers: Progressive County Mutual, Direct Auto Insurance, Mercury Insurance +4
View Agency
CH

Cathy Hammond - State Farm Insurance Agent

Hewitt, TX· 0.5 mi
Agency
Popular
1-2 agents26yr

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.

Italian
AutoBoatCommercial GLHomeowners+4 more
Carriers: State Farm
View Agency
PI

Pronto Insurance

Waco, TX· 1.9 mi
Agency
Very Popular
1-2 agents

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.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: Pronto Lloyds / Pronto Casualty, Progressive, Bristol West (Farmers) +7
View Agency
DI

Direct Auto Insurance

Waco, TX· 3.1 mi
Agency
Popular
3-5 agents

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.

Spanish
AutoCommercial GLHomeownersLife+2 more
Carriers: Direct Auto Insurance, National General Insurance Group, NationSafeDriver +1
View Agency
HG

HighView Insurance Group

Waco, TX· 2.6 mi
Agency
Very Popular
1-2 agents

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.

Spanish
AutoHomeownersRentersUmbrella+3 more
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, Aetna Better Health of Texas Inc., Aetna Health Inc. +21
View Agency
VI

Vista Insurance

Waco, TX· 1.3 mi
Agency
1-2 agents25yr

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.

AutoCommercial GLHomeownersRenters+1 more
Carriers: Alinsco Insurance Company, AssuranceAmerica Insurance Company, Contractors Bonding and Insurance Company +7
View Agency
JF

Joel Fuessel - Secured First Financial of Texas - Independent Agent

Woodway, TX· 4.7 mi
Agency
Very Popular
17yr

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.

AutoCommercial GLHomeownersLife+2 more
View Agency

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.