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How much is car insurance in Waycross?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Waycross are about $35 a month cheaper than in the rest of Georgia.
If you're thinking of moving to Waycross from out of state, you may still be in luck. The average monthly payment for the United States as a whole is about $10 more expensive than in Waycross.
Although these are the average rates for auto insurance in Waycross, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Waycross residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may start to rise again in Waycross.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in average rates in Waycross totals about $12 per month. Based on the chart above, you can see that female drivers pay around $67 on average, while male drivers typically pay $79 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Waycross, drivers with one accident on their record will experience rates around $106 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $97.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$67|
The cheapest vehicles to insure in Waycross are usually SUVs, with each type typically costing about $69 per month.
SUV owners can expect to pay an average of around $69 a month for their policy, while truck and van drivers are usually around $75 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Waycross, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Waycross reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor that comes into play is your living situation. In Waycross, homeowners can expect to pay around $6 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Waycross, GA
Recent trends in car insurance for Waycross drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
Car insurance rates in Waycross increased from 2017-2018, before turning downward from 2019-2020. They finished down in 2022 at $56 a month.
How does Waycross compare to neighboring areas?
Why are car insurance rates in Waycross different from other areas?
Car insurance companies will take into account a lot of factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Amount of off-street parking
- Total number of drivers in the region
- General road safety (how many accidents each locality has)
- Rate of crime
- Regional regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Waycross in no time.
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Waycross Insurance FAQs
What factors affect car insurance quotes in Waycross?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Waycross different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Waycross?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Waycross?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Waycross or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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