Waynesboro, VA Car Insurance

The average monthly cost for car insurance in Waynesboro is about $45. Read our guide below to learn more about your specific rates.
How does Waynesboro stack up to the rest of the area, or even Virginia as a whole? How much can residents of Waynesboro expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Waynesboro?

Area Average Monthly Car Insurance Premium
Waynesboro$45
VA$59
United States$80

Looking at the chart above, you can see it's around $14 a month cheaper to insure your vehicle in Waynesboro than it is in the rest of Virginia.

Likewise, car insurance rates in Waynesboro are more affordable than the national average. It's about $35 cheaper than the national average to insure your vehicle in Waynesboro.

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. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've broken down the average rates for Waynesboro to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$78
25-34$38
35-44$39
45-54Not Enough Data
55-64$33
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 car insurance rates. As you can see, 18-24-year-olds pay $37 more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Drivers in Waynesboro may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$43
Female$46

Car insurance rates for men are usually slightly more expensive than they are for women. While this isn't true in Waynesboro, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$69
Multiple Accidents$44
1 Ticket$35
Multiple Tickets$28

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. The rate for drivers in Waynesboro with a single accident on their record is about $69 a month. In addition, drivers with one ticket can expect to pay around $35 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$45
2-3 Years$31
4-5 Years$71
6-7 Years$75
8-10 Years$40
11-14 Years$49
15 Years or Older$40

If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Waynesboro, with drivers paying around $37 per month for auto insurance coverage.

SUV drivers will see rates of about $45, while the rates for car owners average out to about $47 per month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is about 5 years old. In Waynesboro, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$49
Married$33
Divorced$39
Widowed$32

More often than not, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor 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 $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$39
Rent$45
Live with parents$71

Your living accommodations is another factor that affects your monthly rate. Those who own their own home in Waynesboro can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

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 picking an insurance policy.

The rates for auto insurance in Waynesboro had been increasing from 2016-2018, before steadying out in 2019. They finished down in 2021, at $35 a month

How does Waynesboro compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Local laws
  • Rate of car accidents
  • Total number of drivers in the region
  • Crime levels
  • Off-street parking availability

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. 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?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be quickly 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?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Waynesboro different from other neighboring cities?

Things like parking situations, local laws, and crime rates, 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?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?

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. 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