Waycross, GA Car Insurance

Waycross drivers pay, on average, around $72 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What rates can residents of Waycross expect to pay for their car insurance? How does Waycross compare to the surrounding area and the rest of Georgia? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Waycross?

Area Average Monthly Car Insurance Premium
Waycross$72
GA$104
United States$80

Looking at the chart above, you can see it's around $32 a month cheaper to insure your vehicle in Waycross than it is in the rest of Georgia.

Compared to the national average cost of auto insurance coverage, Waycross has lower rates. On average, it's about $8 less to insure your vehicle in Waycross than it is in the rest of the United States.

These rates may be the average amount Waycross drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Waycross residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$125
25-34$70
35-44$61
45-54Not Enough Data
55-64$54
65+$75

The older you are, the more experienced you are on the roads. 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 $50 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Waycross may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$78
Female$68

Female drivers pay, on average, slightly less than their male counterparts. This rings true in Waycross, where women pay around $10 less per month than men. Looking at the table above, you can see that female drivers pay around $68 on average, while male drivers typically pay $78 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$108
Multiple Accidents$267
1 Ticket$160
Multiple Tickets$144

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Waycross with one accident will pay around $108 a month. Similarly, drivers with one ticket will typically pay around $160 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$106
4-5 Years$66
6-7 Years$66
8-10 Years$76
11-14 Years$73
15 Years or Older$69

The cheapest vehicles to insure in Waycross are typically SUVs, with each type typically costing about $69 per month.

Cars, trucks, and vans, on the other hand, usually cost about $73 for auto insurance.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Waycross are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$78
Married$61
Divorced$63
Widowed$60

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

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
Own$68
Rent$72
Live with parents$93

Another factor taken into consideration is your living situation. If you rent your home or apartment in Waycross, expect to pay around $4 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

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 deciding on where to shop.

In Waycross, car insurance rates rose from 2016-2018, when they hit a high of $80, but started to turn downward from 2019-2020. They finished up in 2021, at $142.

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 numerous factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Prevalence of crime
  • Area regulations
  • Total number of drivers in the region
  • Off-street parking availability
  • Road safety

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Waycross?

While knowing 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.

Good news! Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing plans in Waycross.

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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 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?

Local laws, crime rates, and parking situations -- 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?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Waycross?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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?

Find your best rate in just a few minutes