Waynesboro, VA Car Insurance

Drivers in Waynesboro pay, on average, $48 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
How do rates in Waynesboro measure up compared to neighboring areas, including Virginia 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:  

How much is car insurance in Waynesboro?

Area Average Monthly Car Insurance Premium
Waynesboro$48
VA$61
United States$81

According to the chart above, the average cost of auto insurance in Virginia is about $13 a month more expensive than it is in Waynesboro.

Similarly, car insurance rates in Waynesboro are often favorable when viewed against the rest of the country. Car insurance rates for the U.S. as a whole are, on average, $33 more expensive than the rates you'd pay in Waynesboro.

These may be the average auto insurance rates for Waynesboro, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

We've done the heavy lifting for you and broken down the average rate for Waynesboro so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$85
25-34$43
35-44$41
45-54$42
55-64$35
65+$41

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $44 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Waynesboro drivers may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$50
Female$48

In general, women pay slightly less for car insurance than men. The price to insure your vehicle in Waynesboro, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$68
Multiple Accidents$44
1 Ticket$45
Multiple Tickets$40

Your rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Waynesboro with a single accident on their record will usually see rates around $68 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $45 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$45
2-3 Years$31
4-5 Years$73
6-7 Years$73
8-10 Years$45
11-14 Years$55
15 Years or Older$41

The cheapest vehicles to insure in Waynesboro are typically trucks and vans, with each type typically costing about $39 per month.

Car owners, on the other hand, by and large pay around $51 a month, while SUV drivers can expect to pay about $45 per month to insure their vehicle.

In addition to vehicle type, you can also expect to see slightly different rates based 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 Waynesboro, vehicles six-to-seven years old and four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$37
Divorced$39
Widowed$32

On average, married policyholders will pay slightly less to insure their car. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

In Waynesboro, the difference in rates based on relationship status can be as much as $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$39
Rent$50
Live with parents$67

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $11 a month more than those who own their own home in Waynesboro. 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 overall costs, depending on your insurance company.

Car Insurance Companies in Waynesboro, VA

Recent trends in car insurance for Waynesboro drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The rates for car insurance in Waynesboro had been increasing from 2017-2018, before leveling out in 2019. Insurance rates rose again recently, reaching a high of $59 in 2022.

How does Waynesboro compare to neighboring areas?

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

Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Crime
  • Number of car accidents
  • Off-street parking availability
  • Number of drivers
  • Area regulations

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. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Waynesboro?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Waynesboro.

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Waynesboro Insurance FAQs

What factors affect car insurance quotes in Waynesboro?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, 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?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

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 however, by using sites like Compare.com to compare multiple quotes at once.

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

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?

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.

Find your best rate in just a few minutes