+120 more*These quotes are from Compare.com users in and around Waynesboro, Georgia within the last 10 days. Updated on June 4, 2026
*These quotes are from Compare.com users in and around Waynesboro, Georgia within the last 10 days. Updated on June 4, 2026
How does Waynesboro stack up to the rest of the area, or even Georgia as a whole? What should residents of Waynesboro expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Waynesboro | $83 |
| GA | $105 |
| United States | $80 |
The cost of coverage in Waynesboro is about $22 a month cheaper than it is for the rest of Georgia.
On the flip side, Waynesboro residents should prepare to pay higher rates for coverage than the rest of the country. It's about $3 more expensive for coverage in Waynesboro than the average rates for the U.S. as a whole.
While these are the average costs to insure your vehicle in Waynesboro, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down average rates for Waynesboro residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Check out the table below for the cheapest car insurance companies for the average Waynesboro driver.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $66 |
| Country Financial | $71 |
| State Farm | $71 |
| Allstate | $77 |
| Mile Auto | $80 |
| USAA | $82 |
| Progressive | $97 |
| Foremost | $103 |
| Mercury | $112 |
| Root | $130 |
| Bristol West | $132 |
| GEICO | $133 |
| Clearcover | $135 |
| GAINSCO | $138 |
| Direct Auto | $140 |
| The General | $147 |
| AssuranceAmerica | $151 |
| Safeco | $156 |
| National General | $159 |
| Trexis One | $159 |
| Mendota | $166 |
| Nationwide | $170 |
| First Acceptance | $173 |
| Insurify Car | $174 |
| Excepsure | $176 |
| Trexis | $177 |
| Hugo | $236 |
| Liberty Mutual | $280 |
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $131 |
| 25-34 | $78 |
| 35-44 | $72 |
| 45-54 | Not Enough Data |
| 55-64 | $60 |
| 65+ | $88 |
The older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $43 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up a bit in Waynesboro.
Gender | Average |
|---|---|
| Male | $85 |
| Female | $82 |
Car insurance rates for men are usually slightly more expensive than they are for women. The price for car insurance in Waynesboro, however, is about the same for either group.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $155 |
| Multiple Accidents | $120 |
| 1 Ticket | $96 |
| Multiple Tickets | $174 |
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Waynesboro with one accident will pay around $155 a month. Similarly, drivers with one ticket will typically pay around $96 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Category | Price |
|---|---|
| Car | $86 |
| SUV | $80 |
| Truck/Van | $77 |
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $78 |
| 2-3 Years | $97 |
| 4-5 Years | $73 |
| 6-7 Years | $137 |
| 8-10 Years | $77 |
| 11-14 Years | $91 |
| 15 Years or Older | $71 |
The cheapest vehicles to insure in Waynesboro are usually trucks and vans, with each type typically costing about $77 per month.
SUV drivers will see rates of about $80 for auto insurance, while car owners by and large pay around $86 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Waynesboro are vehicles six-to-seven years old.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $87 |
| Married | $68 |
| Divorced | $67 |
| Widowed | $79 |
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Waynesboro can be as much as $19 a month, so it's worth keeping that in mind.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $79 |
| Rent | $86 |
| Live with parents | $88 |
Another factor taken into consideration is your living accommodations. In Waynesboro, homeowners can expect to pay around $7 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 overall costs.
Category | Price |
|---|---|
| 2017 | $76 |
| 2018 | $88 |
| 2019 | $96 |
| 2020 | $82 |
| 2021 | $114 |
| 2022 | $64 |
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The rates for car insurance in Waynesboro increased from 2017-2019, before steadying out in 2020. They finished down in 2022, at $64 a month
Category | Price |
|---|---|
| AUGUSTA | $82 |
| HEPHZIBAH | $87 |
| GROVETOWN | $77 |
| ATLANTA | $111 |
| EVANS | $91 |
Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
Laws
Availability of off-street parking
Amount of drivers in the area
Area crime rates
Rate of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Waynesboro.
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
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.
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.
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 Waynesboro 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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