Waxahachie has 45,347 residents in 15,918 households. We list 12 agencies for auto insurance in Waxahachie. Here is what the local numbers say about the cover people here need.

Waxahachie at a glance

12auto insurance agencies listed
39.7%of households rentRenters insurance
$336,500median home valueHome insurance
2004median year homes were builtRebuild cost calculator
5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Ellis County

FEMA rates the overall natural hazard risk in Ellis County, where most Waxahachie agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Waxahachie
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Waxahachie

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Waxahachie How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies Waxahachie agencies work with

Of the 12 Waxahachie agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Foremost8 agencies
Progressive8 agencies
Old American7 agencies
GEICO6 agencies
Homeowners of America6 agencies
Porch6 agencies
American Modern5 agencies
GAINSCO5 agencies
Home State5 agencies
Liberty Mutual (Safeco)5 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Auto insurance in Waxahachie

All insurance agencies in Waxahachie · Auto insurance across Texas

Where can I find auto insurance in Waxahachie?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does auto insurance cover?

Covers your car for damage, theft and the harm you could cause to others.

Which insurance companies do Waxahachie agencies work with?

Among the 12 Waxahachie agencies whose appointments we hold, the companies they are most often appointed with are Foremost (8), Progressive (8), Old American (7), GEICO (6), Homeowners of America (6). An appointed agency can quote that company's policies.

Do I need flood insurance in Waxahachie?

FEMA's National Risk Index rates inland flooding risk in Ellis County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Auto insurance near Waxahachie

For insurance agencies

Is your Waxahachie agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing