Waco, TX
Insuring your car and home in Waco, TX
How Waco households can compare car and home coverage, with local Census data. A quote is not a binder.
In Waco (146,608 people), 76% of workers commute by driving alone, compared with 71% across Texas. Homeownership runs at 49%.
How Waco gets around
| Measure | Waco | Texas |
|---|---|---|
| Drive alone to work | 76% | 71% |
| Carpool | 10% | 10% |
| Work from home | 10% | 14% |
| Commute of 45 minutes or more | 6% | 17% |
| Commute under 15 minutes | 37% | 25% |
| Households with no vehicle | 7% | 5% |
| Households with 3 or more vehicles | 16% | 22% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are shorter in Waco than statewide: 6% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Fewer Waco workers telecommute (10%) than the state average, which means more cars on the road at rush hour.
16% of Waco households keep three or more vehicles, and 7% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Home values and housing age in Waco
The median owner-occupied home in Waco is valued at $221,700, and half of the city's homes were built before 1979. The Texas median value is $283,800. Your dwelling limit should match rebuild cost, which can differ from market value.
Benchmark: $2,167 was the average 2023 Texas HO-3 premium at the $200,000–$224,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Texas auto minimums that apply in Waco
Texas requires liability limits of at least 30/60/25. Other required coverage: none beyond liability (PIP and UM must be rejected in writing). Those are floors; with Waco's median home value at $221,700, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Waco household
A bundle can simplify life in Waco: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Waco
Plan for Gulf hurricanes near the coast, along with flash flooding. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
How Waco compares in Texas
Houston: 68% drive alone, 16% commute 45+ minutes, median home $277,800. In San Antonio, 52% own their home and 18% of households have three or more vehicles. In Dallas, 42% own their home and 15% of households have three or more vehicles. For share of 45-minute-plus commutes, Waco is 27th of 30 Texas cities on this site.
Gathering details for a Waco auto and home quote
- Liability limits you want
- Everyone in the household who drives
- Home details: size, age, construction
- Your existing policies and renewal dates
- Mortgage company for the home
- Roof age and material
Waco auto and home insurance FAQ
What auto insurance is required in Waco?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Waco drivers have long commutes?
About 6% of Waco workers commute 45 minutes or more and 37% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Waco?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
More Texas cities
Auto and home insurance in Texas
Last updated October 15, 2026 · How we research