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How much is car insurance in Waynesboro?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $22 a month cheaper to insure your vehicle in Waynesboro than it is in the rest of Georgia.
That being said Waynesboro residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $2 more expensive for coverage in Waynesboro than the average rates seen in the rest of the U.S.
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 in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Waynesboro residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay $19 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may creep back up a bit in Waynesboro.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Waynesboro, although women do pay slightly less on their monthly auto insurance coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Waynesboro with a single accident on their record is about $119 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $142 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$76|
The cheapest vehicles to insure in Waynesboro are by and large cars, with each type typically costing about $79 per month.
SUV owners will see rates of about $85, while truck and van owners usually pay around $89 a month.
Your rates can also vary 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 might start to see your rates slide back down slightly. 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)||$87|
On average, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Waynesboro, with married couples paying about $19 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than drivers who own property in Waynesboro. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Waynesboro, GA
Recent trends in car insurance for Waynesboro drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of insurance in Waynesboro rose from 2016-2019, before leveling out in 2020. Car insurance rates finished up in 2021, at $107 per 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 a number of factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Total amount of drivers in the area
- Frequency of car accidents
- Area regulations
- Off-street parking availability
- Rate of crime
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
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.
Don't worry, Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Waynesboro.
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 like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Waynesboro different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Waynesboro?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Waynesboro or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.