Car insurance in Waco, Texas: what you need to know

By the Quiet Quotes editorial team. Last reviewed October 20, 2026 against the sources listed at the bottom. General education, not advice about any specific policy.

The short version

Same law as all of Texas: at least 30/60/25 liability coverage, with PIP and uninsured motorist coverage included unless you reject them in writing.
Registration: McLennan County will not register your car without proof of insurance.
Emissions: not required in McLennan County.
Prices: insurers can price by ZIP code, so rates differ across Waco. No official city average exists.

Waco at a glance
City population	147,788 (2025)
Metro area	Waco, 308,807 people
County	McLennan County
Emissions test	Not required
Minimum liability	30/60/25 (statewide)

What Waco drivers must carry

Insurance rules are set by the state, so Waco follows the same law as the rest of Texas: liability coverage of at least $30,000 per injured person, $60,000 per crash for injuries and $25,000 for property damage. Personal injury protection (PIP) and uninsured motorist coverage come with every policy unless you reject them in writing. Full details, penalties and sources are in our Texas liability requirements guide.

Registering your car in McLennan County

Vehicle registration is handled by the McLennan County Tax Office, Auto Department. Texas law does not allow a county to register a vehicle without proof of insurance, and county offices may verify your coverage through TexasSure, the state insurance database (Transportation Code 502.046).

McLennan County is not part of the Texas emissions testing program (TCEQ). Texas also ended the annual safety inspection for most passenger vehicles on January 1, 2025, though a state inspection fee is still collected at registration (TxDMV).

Crashes in McLennan County

In 2025, TxDOT recorded 3,096 crashes in the city of Waco, with 13 deaths and 83 serious injuries. Across McLennan County there were 5,264 crashes, 28 deaths and 178 serious injuries (TxDOT city figures, county figures, data as of April 7, 2026). Waco is home to 147,788 people (U.S. Census Bureau, July 2025 estimate). Crashes are one of the things insurers weigh when setting prices by area.

Why prices differ across Waco

Texas allows insurers to set prices by location when the data supports it, so two drivers in different Waco ZIP codes can pay different amounts for the same coverage. Your driving record, your car, how you use it and, at some companies, your credit also matter (TDI auto insurance guide).

There is no official average price for Waco. The Texas Department of Insurance and the NAIC publish statewide figures; in 2024 the average Texas driver spent $1,578 a year (NAIC). To see sample prices from many insurers for your own area, try HelpInsure.com, run by TDI and the Office of Public Insurance Counsel.

After a crash in Waco

Texas is an at-fault state. TDI suggests filing first with the other driver's insurance company. If the other driver had no insurance or left the scene, turn to your own collision and uninsured motorist coverage (TDI). For help with an insurance company, call the TDI Help Line at 800-252-3439.

Common questions

What car insurance is required in Waco?

The same as everywhere in Texas: liability coverage of at least $30,000 per injured person, $60,000 per crash for injuries and $25,000 for property damage (30/60/25). PIP and uninsured motorist coverage are included unless you reject them in writing.

Do I need an emissions test in McLennan County?

No. McLennan County is not part of the Texas emissions testing program, and Texas ended the annual safety inspection for most passenger vehicles on January 1, 2025.

What is the average cost of car insurance in Waco?

No official average exists for Waco. Texas regulators and the NAIC publish statewide figures only; city averages on other sites are their own estimates. In 2024 the average Texas driver spent $1,578 a year (NAIC).

Is Texas an at-fault state?

Yes. The driver who causes a crash is responsible for the damage, and you cannot recover damages if you are more than 50% at fault.

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