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How much is car insurance in Waycross?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Waycross is about $34 a month cheaper.
Likewise, when compared to the national average, the cost for auto insurance in Waycross is lower. It's about $9 cheaper than the national average to insure your vehicle in Waycross.
Bear in mind that while these rates represent the expected monthly payments for residents of Waycross, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've done the heavy lifting for you and broken down the average rate for Waycross so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Waycross Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement age in Waycross.
Waycross Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Waycross is about $11 per month. As illustrated in the table above, male drivers in the area pay about $78 on average, while female drivers pay around $67 each month.
Waycross Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Waycross, having a single accident on your record will usually get you rates around $103 a month. Likewise, drivers with one ticket will be looking at a rate of around $97 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Waycross Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$67|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Waycross, with drivers paying around $68 per month for insurance.
Truck and van drivers will see rates of about $74 for car insurance coverage, while car owners by and large pay around $71 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Waycross, vehicles two-to -three years old are the most expensive to insure.
Waycross Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Waycross as well, where the difference is around $16 a month.
Waycross Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than drivers who own property in Waycross. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Waycross, GA
Recent trends in car insurance for Waycross drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Auto insurance rates in Waycross had been increasing from 2017-2018, before trending downward from 2019-2020. They finished down in 2022 at $59 per month.
How does Waycross compare to neighboring areas?
Why are car insurance rates in Waycross different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Area crime rates
- General road safety (how many accidents each locality has)
- Area regulations
- Total number of drivers in the region
- Amount of off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Waycross?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Waycross in no time.
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Waycross Auto Insurance FAQs
What factors affect car insurance quotes in Waycross?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Waycross different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Waycross?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Waycross?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Waycross or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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