Best Waxahachie, Texas Auto Insurance in 2024 (Check Out the Top 10 Companies)
State Farm, Allstate, and Farmers offer the best Waxahachie, Texas auto insurance, with affordable rates starting at $47 per month. State Farm is recognized for its outstanding customer service, Allstate provides discounts for safe driving, and Farmers offers flexible, customizable policies.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Nov 2, 2024
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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.
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: Nov 2, 2024
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.
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Find the best Waxahachie, Texas auto insurance offering unbeatable rates starting as low as $47 per month with providers like State Farm, Allstate, and Farmers.
Understanding the different types of auto insurance coverage available can help you select a policy that provides the right balance of protection and affordability.
Our Top 10 Company Picks: Best Waxahachie, Texas Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Service | State Farm |
 | #2 | 25% | A+ | UBI Savings | Allstate |
 | #3 | 20% | A | Policy Options | Farmers |
 | #4 | 5% | A+ | Exclusive Benefits | The Hartford |
 | #5 | 10% | A+ | Qualifying Coverage | Progressive |
 | #6 | 20% | A+ | Vanishing Deductible | Nationwide |
 | #7 | 25% | A | 24/7 Support | Liberty Mutual |
 | #8 | 25% | A++ | Cheap Rates | Geico |
 | #9 | 10% | A++ | Military Members | USAA |
 | #10 | 15% | A | Online Tools | Safeco |
Before you buy Waxahachie, Texas auto insurance, make sure you have compared rates from multiple companies to find the best deal.
Enter your ZIP code above for free auto insurance quotes in Waxahachie, Texas, tailored to your needs. Comparing options will help you secure reliable coverage at the best rate.
- State Farm offers the best Waxahachie, Texas auto insurance
- Allstate and Farmers provide discounts and customizable policies for local drivers
- Compare top providers to find affordable, tailored coverage in Waxahachie
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#1 – State Farm: Top Overall Pick
Pros
- Top Customer Service: State Farm’s rank as #1 for customer service makes it a prime candidate for the best Waxahachie, Texas, auto insurance. Discover more at “State Farm Auto Insurance Review.”
- Extensive Agent Network: State Farm’s large network of agents provides personalized service, enhancing its reputation as the best auto insurance provider in Waxahachie, Texas.
- Multiple Discounts: Offering various discounts, including those for safe driving and multiple policies, State Farm ensures competitive pricing and is a strong contender.
Cons
- Less Competitive for High-Risk Drivers: State Farm’s rates may not be the best for high-risk drivers, affecting its position.
- Limited Online Tools: The provider’s online tools may not be as advanced as those of competitors, potentially impacting its convenience.
#2 – Allstate: Best for UBI Savings
Pros
- Top UBI Savings: Allstate offers significant UBI (Usage-Based Insurance) savings, making it a strong contender for the best Waxahachie, Texas, auto insurance.
- High A.M. Best Rating: Allstate’s A+ rating from A.M. Best reflects its strong financial stability, contributing to its position as a leading choice.
- Comprehensive Coverage Options: Allstate offers extensive coverage options, including accident forgiveness. For more information, read our article “Allstate Auto Insurance Review.”
Cons
- Higher Premiums: Despite its comprehensive coverage, Allstate’s rates can be higher than those of other providers, which might affect its standing as the best.
- Customer Service Challenges: Some customers have reported difficulties with claims processing and customer service.
#3 – Farmers: Best for Policy Options
Pros
- Versatile Policy Options: Farmers offers a wide range of policy options, including customized coverage and a 20% bundling discount.
- Strong A.M. Best Rating: With an A rating from A.M. Best, Farmers provides financial reliability and support. Discover more about the best ratings at “Farmers Auto Insurance Review.”
- Customizable Coverage: Farmers’ customizable policies cater to diverse needs, contributing to its status as a top option for the best Waxahachie, Texas, auto insurance.
Cons
- Higher Premiums: Farmers’ premiums can be on the higher side compared to other insurers, which may affect its affordability as the best Waxahachie, Texas auto insurance.
- Mixed Customer Reviews: Customer feedback on Farmers’ claims processing and service can be inconsistent, potentially impacting its status.
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#4 – The Hartford: Best for Exclusive Benefits
Pros
- Exclusive Benefits for AARP Members: The Hartford offers exclusive benefits and a 5% bundling discount for AARP members, making it a strong choice.
- High Financial Ratings: With an A+ rating from A.M. Best, Hartford provides solid financial stability. Discover high financial ratings at “The Hartford Auto Insurance Review.”
- Excellent Customer Service: Known for its exemplary customer service, The Hartford is a reliable option for those seeking the best auto insurance in Waxahachie, Texas.
Cons
- Limited Discounts for Non-AARP Members: Hartford’s benefits are primarily geared toward AARP members, which may limit its appeal to non-members.
- Less Extensive Coverage Options: Some customers find Hartford’s coverage options less comprehensive compared to other providers.
#5 – Progressive: Best for Qualifying Coverage
Pros
- Competitive Coverage Options: Progressive’s coverage options, including the Snapshot program, are tailored to varying needs.
- Affordable Rates: Progressive offers competitive pricing, particularly for those qualifying for its coverage options. Learn more about affordable rates at “Progressive Auto Insurance Review.”
- Snapshot Program: The Snapshot program, which offers discounts based on driving behavior, helps make Progressive a top choice for affordable and customizable auto insurance.
Cons
- Inconsistent Customer Service: Customer service experiences with Progressive can vary, which might affect its standing as the best.
- Higher Rates for Poor Credit: Progressive’s rates may be less competitive for those with poor credit, impacting its appeal.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide’s vanishing deductible feature, which reduces deductibles over time, makes it a strong contender for the best Waxahachie, Texas, auto insurance.
- Comprehensive Coverage Options: Nationwide’s wide range of coverage options, including accident forgiveness, contributes to its status as the best provider.
- Strong Financial Ratings: With an A+ rating from A.M. Best, Nationwide’s financial stability supports its reputation as a leading choice.
Cons
- Higher Rates for Poor Credit: Nationwide may have less competitive rates for those with poor credit, which may impact its appeal. Visit this article, “Nationwide Auto Insurance Review.”
- Customer Service Complaints: Some users report mixed experiences with Nationwide’s customer service, which might affect its standing.
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#7 – Liberty Mutual: Best for 24/7 Support
Pros
- 24/7 Support: Liberty Mutual’s 24/7 support, along with its 25% bundling discount and A rating from A.M. Best, makes it a top contender for the best auto insurance.
- Customizable Coverage: Liberty Mutual offers a range of customizable coverage options, including new car replacements. Read our article “Liberty Mutual Auto Insurance Review” to learn more.
- Strong Financial Stability: Liberty Mutual’s financial strength, reflected in its A rating from A.M. Best, supports its reputation for providing the best auto insurance in Waxahachie, Texas.
Cons
- Higher Premiums: Liberty Mutual’s premiums can be higher than those of other insurers, which may impact its affordability.
- Customer Service Challenges: Some customers have reported issues with claims processing and customer service, which has affected its standing as the best.
#8 – Geico: Best for Cheap Rates
Pros
- Top Cheap Rates: Geico’s reputation for offering cheap rates, combined with a 25% bundling discount and an A++ rating from A.M. Best, makes it a top contender.
- User-Friendly Online Tools: Geico’s advanced mobile app and online tools enhance its convenience as the best Waxahachie, Texas, auto insurance option.
- Multiple Discounts: Various discounts are available, including those for safe driving and numerous cars. Discover multiple discounts at “Geico Auto Insurance Review.”
Cons
- Limited Personal Interaction: Geico’s focus on online and phone service may be less appealing to those who prefer in-person interactions.
- Higher Rates for Some Drivers: Geico’s rates might not be the best for drivers with poor credit or high-risk profiles, affecting its overall appeal.
#9 – USAA: Best for Military Members
Pros
- Exceptional Service for Military Members: USAA’s focus on military families, combined with its A++ rating from A.M. Best, makes it a top option among military members.
- Highly Competitive Rates: USAA’s competitive rates, particularly for active military and veterans, contribute to its reputation as the best.
- Strong Financial Stability: USAA’s A++ rating from A.M. Best demonstrates solid financial stability, enhancing its status as the best auto insurance provider in Waxahachie, Texas.
Cons
- Eligibility Restrictions: USAA’s insurance is limited to military members and their families. Learn more about eligibility restrictions at “USAA Auto Insurance Review.”
- Limited Physical Branches: USAA’s fewer physical locations can be a drawback for those who prefer in-person service, affecting its convenience as the best Waxahachie, Texas, auto insurance option.
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#10 – Safeco: Best for Online Tools
Pros
- Practical Online Tools: Safeco’s advanced online tools and a 15% bundling discount make it a strong candidate for the best Waxahachie, Texas, auto insurance.
- Competitive Pricing: Safeco offers competitive rates, which are particularly beneficial for those seeking the best auto insurance in Waxahachie, Texas.
- Wide Range of Coverage Options: Safeco’s variety of coverage options, including accident forgiveness, supports its status as a top choice.
Cons
- Customer Service Issues: Some customers have experienced problems with Safeco’s customer service and claims handling. To learn more, read our article entitled “Safeco Auto Insurance Review.”
- Higher Rates for High-Risk Drivers: Safeco’s rates may be higher for drivers with poor credit or high-risk profiles, impacting its appeal as the best Waxahachie, Texas auto insurance for all drivers.
Cheap Waxahachie, Texas Auto Insurance by Age and Gender
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 necessary auto insurance in Waxahachie, Texas.
Waxahachie, Texas Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $67 | $161 |
| $62 | $154 |
| $49 | $123 |
| $79 | $173 |
| $61 | $142 |
| $53 | $136 |
 | $63 | $141 |
| $58 | $143 |
| $74 | $169 |
| $47 | $119 |
Auto insurance rates in Waxahachie, Texas, are influenced by age and gender. These factors can significantly impact your monthly insurance costs.
By examining how different demographic groups are charged, you can better understand the pricing structure and identify opportunities to save on your premiums. Analyzing these variables will help you choose the best policy for your personal situation.
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $822 | $990 | $379 | $394 | $307 | $309 | $303 | $303 |
 | $553 | $725 | $297 | $339 | $206 | $229 | $194 | $222 |
| $457 | $475 | $225 | $225 | $208 | $225 | $201 | $227 |
| $536 | $687 | $225 | $243 | $192 | $195 | $170 | $180 |
| $799 | $888 | $224 | $227 | $190 | $180 | $170 | $173 |
| $400 | $511 | $179 | $184 | $164 | $164 | $146 | $146 |
| $370 | $401 | $173 | $184 | $130 | $130 | $125 | $123 |
Additionally, comparing rates across different age groups and genders can help you find the most cost-effective coverage for your needs.
It’s also important to consider how the “Cheapest Liability-Only Auto Insurance” fits into your overall policy, as it provides essential protection against damages you may cause to others in an accident.
Evaluating how liability coverage impacts your premiums can further assist in finding the best value for your insurance.
Cheap Waxahachie, Texas Auto Insurance by Credit History
Credit history can significantly impact the cost of cheapest auto insurance companies; compare monthly auto insurance rates by credit history in Waxahachie, Texas.
In Waxahachie, Texas, your credit score can influence the premiums you pay, with better credit often leading to lower rates. Insurance companies use credit history to assess risk and determine insurance costs.
Waxahachie, Texas Auto Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| $605 | $443 | $380 |
| $475 | $300 | $262 |
| $433 | $245 | $163 |
| $364 | $292 | $254 |
| $400 | $347 | $322 |
| $335 | $209 | $167 |
| $299 | $174 | $140 |
By comparing monthly auto insurance rates based on credit history, you can better understand how your credit score affects your premiums and explore ways to improve your credit to potentially lower your insurance costs.
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
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Cheap Waxahachie, Texas Auto Insurance Rates by ZIP Code
Quoting auto insurance rates by ZIP code in Waxahachie, Texas, can vary. Compare the monthly cost of auto insurance by ZIP code in Waxahachie, Texas, to see how car insurance rates are affected by location.
Different areas within Waxahachie may have other risk factors that influence insurance premiums, such as local traffic patterns, crime rates, and accident statistics.
By comparing monthly auto insurance rates based on credit history, you can better understand how your credit score affects your premiums and explore ways to improve your credit to potentially lower your insurance costs.
Many insurers use credit scores as a critical factor in determining rates, as drivers with higher scores are often seen as more financially responsible and less likely to file claims.
Waxahachie, Texas Auto Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Theft Device, New Car, Good Student, Early Signing |
| Multi-Policy, Multi-Car, Safe Driver, Good Student, Homeowner, Alternative Fuel Vehicle |
| Multi-Policy, Good Driver, Military, Federal Employee, Anti-Theft, New Vehicle, Good Student |
| Multi-Policy, Multi-Car, Good Student, Anti-Theft Device, Advanced Safety Features |
| Multi-Policy, Safe Driver, Accident-Free, Defensive Driving, Good Student |
| Multi-Policy, Safe Driver, Snapshot, Homeowner, Continuous Insurance, Teen Driver |
| Multi-Policy, Safe Driver, Accident-Free, Anti-Theft, Advanced Safety Features, New Car |
| Multi-Policy, Safe Driver, Good Student, Defensive Driving, Accident-Free, Drive Safe & Save |
| Multi-Policy, Defensive Driving, Vehicle Safety, Accident-Free, Paid-in-Full, AARP Member |
| Multi-Policy, Safe Driver, Defensive Driving, Military, New Vehicle, Family Discount |
Taking steps to improve your credit—such as paying bills on time, reducing debt, and monitoring your credit report—can lead to better rates over time. Additionally, some states have restrictions on how much credit can influence premiums, so it’s important to research local regulations.
Regularly reviewing your credit and working to improve it could unlock significant savings on your auto insurance in the future.
Cheap Waxahachie, Texas Auto Insurance Rates by Commute
Commute length and annual mileage are vital factors that affect auto insurance rates in Waxahachie, Texas. Discover the cheapest monthly Waxahachie, Texas, auto insurance based on your commute length.
Longer commutes and higher annual mileage generally lead to higher insurance premiums due to increased risk of accidents. Insurance companies often assess the distance you drive daily and monthly when calculating your rates.
Waxahachie, Texas Auto Insurance Monthly Rates by Provider & Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $464 | $488 |
| $346 | $346 |
| $275 | $286 |
| $303 | $303 |
| $356 | $356 |
| $237 | $237 |
| $202 | $207 |
Discover the cheapest monthly auto insurance in Waxahachie by comparing rates based on your specific commute length and mileage. Insurance providers often adjust premiums according to how much time you spend on the road, so drivers with shorter commutes may benefit from lower rates.
Waxahachie, Texas Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 1,500 |
| Total Claims Per Year | $1,200 |
| Average Claim Size | $6,500 |
| Percentage of Uninsured Drivers | 14% |
| Vehicle Theft Rate | 65 thefts/year |
| Traffic Density | Medium |
| Weather-Related Incidents | High |
Additionally, low-mileage discounts or pay-per-mile policies can help you find more affordable options tailored to your driving habits and potentially lower your overall insurance costs. Enter your ZIP code into our comparison tool to see which insurer offers the best deals for your unique situation.
Waxahachie, Texas Auto Insurance Quotes
Before you buy auto insurance in Waxahachie, Texas, make sure you have compared rates from multiple companies. Different insurers offer varying rates and discounts, so it’s crucial to evaluate various options.
Waxahachie, Texas Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B | Claims are generally lower than average |
| Traffic Density | B | Low traffic congestion |
| Weather-Related Risks | B- | Occasional hail and storms |
| Vehicle Theft Rate | C | Moderate vehicle theft rate |
| Uninsured Drivers Rate | C+ | Slightly above average uninsured drivers |
Additionally, consider whether your policy includes rental car insurance, which can provide coverage if you need a rental vehicle while your car is being repaired.
Evaluating this aspect, such as asking, “Does my auto insurance cover rental cars?” can ensure you’re fully protected and avoid unexpected costs.
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Enter your ZIP code below to get free Waxahachie, Texas, auto insurance quotes and see how different providers stack up. By comparing these quotes, you can make a more informed decision and select a policy that offers the best coverage and value for your needs.
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Frequently Asked Questions
How can I lower my auto insurance rates in Waxahachie, TX?
To lower your auto insurance rates, consider raising your deductible, improving your credit score, and looking for discounts, such as good student or safe driver discounts. Bundling with home or renters insurance can also reduce premiums.
What impact does my driving record have on insurance rates in Waxahachie, TX?
Your driving record significantly impacts your premiums. Clean records often result in lower rates, while accidents or violations may increase costs. Some providers offer accident forgiveness to help prevent rate hikes after your first incident.
These options provide extra protection tailored to your needs, ensuring peace of mind on the road. Enter your ZIP code now to compare the best prices.
Can a high credit score help me get cheaper auto insurance in Waxahachie?
Yes, a high credit score can lead to better rates, as insurers often view high scores as an indicator of lower risk. Improving your credit can help you secure more affordable premiums over time.
It’s also important to note that auto insurance and your credit scores can impact your premiums. Many insurers consider credit history when determining rates, potentially affecting the affordability of coverage for young drivers.
What types of discounts are available for auto insurance in Waxahachie, TX?
Common discounts include multi-policy (bundling), safe driver, good student, low mileage, and anti-theft discounts. Ask about additional savings options when comparing policies to maximize potential discounts.
How do mileage and commute distance affect my auto insurance rates in Waxahachie?
Higher mileage and longer commutes generally result in higher premiums, as more time on the road increases accident risk. Low-mileage drivers might benefit from usage-based or pay-per-mile insurance options.
Is non-owner car insurance a good option if I don’t own a vehicle but occasionally drive?
Yes, non-owner insurance provides liability coverage when you drive rented or borrowed vehicles. This type of policy is a smart choice for drivers who don’t own a car but need occasional coverage.
When selecting a policy, consider auto insurance companies with the best customer service to ensure that you receive responsive support and assistance when you need it, especially in claims situations.
Are there affordable auto insurance options for high-risk drivers in Waxahachie, TX?
High-risk drivers may face higher premiums but can find coverage through specialized insurers or state-assigned risk pools. Taking defensive driving courses and maintaining a clean record can help reduce rates over time.
How does bundling auto insurance with other policies affect my premium?
Bundling auto insurance with home or renters insurance can lead to discounts up to 25%, depending on the provider. This approach often reduces costs and provides a streamlined insurance experience.
Enter your ZIP code below to explore which companies have the cheapest auto insurance rates for you.
What should I look for in a financially stable insurance provider?
A financially stable provider ensures they can cover claims, even in large-scale events. Look for high ratings from A.M. Best or similar agencies to gauge an insurer’s financial health.
This stability is particularly important when looking for the best auto insurance for good drivers, as these providers often reward safe driving records with lower premiums and better coverage options.
Are there exclusive insurance benefits for military families in Waxahachie, TX?
Yes, insurers like USAA offer competitive rates and unique benefits tailored to military families, including deployment discounts and flexible policies. Military-specific providers may offer the best value for service members.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed 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.