Auto Insurance in Waco (76706)
Texas · Very Affordable · 14th percentile statewide
Carrier Rates in 76706
6-month premiums from SERFF rate filings. Standard driver profile.
How 76706 Compares
Waco (76706) is very affordable for auto insurance in Texas, ranking in the 14th percentile.
The cheapest carrier is GEICO at $317/6mo — 51% less than the most expensive (State Farm at $644).
The median premium of $397 is 22% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in Waco (76706)?
The median 6-month premium in Waco (76706) is $397 across 5 carriers. Premiums range from $317 to $644, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 76706?
GEICO offers the lowest rate in 76706 at $317/6mo. That's 51% less than the most expensive option (State Farm at $644/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 76706?
Auto insurance rates in Waco (76706) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Waco ranks in the 14th percentile statewide, meaning it's very affordable compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
Want full rate data for 76706?
Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.