Waynesboro, GA Car Insurance

The average monthly cost for car insurance in Waynesboro is about $84. To find out more check out our guide below.
What can Waynesboro residents expect to pay for their car insurance? Are rates in Waynesboro higher or lower than those in neighboring areas? How do they compare to 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 Waynesboro?

Area Average Monthly Car Insurance Premium
Waynesboro$84
GA$106
United States$81

The cost of coverage in Waynesboro is about $22 a month cheaper than it is for the rest of Georgia.

If you're considering relocating to Waynesboro from out of state, you may want to budget a little extra for your insurance. It's around $3 more expensive to insure your vehicle in Waynesboro compared to the average rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your monthly premium 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 Waynesboro residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$131
25-34$80
35-44$72
45-54$72
55-64$61
65+$90

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates creep back up a bit once you hit retirement in Waynesboro.

Average Car Insurance Rates by Gender

Gender Average
Male$87
Female$82

In general, women pay slightly less for car insurance than men. In Waynesboro, male drivers pay about $5 more a month. As illustrated in the table above, male drivers in the area pay about $87 on average, while female drivers pay around $82 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$160
Multiple Accidents$120
1 Ticket$96
Multiple Tickets$174

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Waynesboro, having a single accident on your record will usually get you rates around $160 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. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$78
2-3 Years$97
4-5 Years$76
6-7 Years$146
8-10 Years$80
11-14 Years$91
15 Years or Older$71

According to the first table above, the cheapest vehicles to insure in Waynesboro are typically trucks and vans, at $79 per month.

Car owners will see a monthly premium of about $87, while SUV owners usually pay around $80 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 monthly premium drop back down. In Waynesboro, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$88
Married$69
Divorced$67
Widowed$79

Overall, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Waynesboro is no exception, with the difference totaling to around $19 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$87
Live with parents$88

One other element taken into consideration is your living situation. If you rent your home or apartment in Waynesboro, expect to pay around $7 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Waynesboro, GA

Recent trends in car insurance for Waynesboro drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of insurance in Waynesboro had been increasing from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $61 a month

How does Waynesboro compare to neighboring areas?

Why are car insurance rates in Waynesboro different from other areas?

When considering how much to charge for coverage, car insurance companies will review several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

  • Total number of drivers in the community
  • Off-street parking accessibility
  • Crime levels
  • Number of car accidents
  • Regional laws

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 Waynesboro?

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 does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies providing coverage in Waynesboro.

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Waynesboro Insurance FAQs

What factors affect car insurance quotes in Waynesboro?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Waynesboro different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Waynesboro?

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 Waynesboro?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Waynesboro or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes