Cheapest Car Insurance Quotes in Waverly

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Waverly Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Waverly

The car insurance rate in Waverly is $872 for a six-month policy, which is $154 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $318, making it a popular choice for budget-conscious drivers. Rates in Waverly can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Waverly

$872

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Waverly

1st place: Country Financial

At $318 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $419 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $560 for six months, making it the third cheapest auto insurance company in Waverly.

Waverly Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waverly, GA is Country Financial, offering policies at just $318 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $419.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1221 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waverly drivers find the best deals.

Cheap Car Insurance Companies in Waverly, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$318	$54
Auto-Owners Insurance Co	$419	$70
Farm Bureau	$560	$95
Georgia Farm Bureau	$616	$103
Auto-Owners	$898	$151
USAA	$929	$156
Progressive	$1096	$184
Mercury	$1131	$189
Allstate	$1192	$201
Esurance P&C Ins Co	$1217	$203
State Farm	$1221	$206

Key Takeaways

Way's key takeaways about car insurance in Waverly

The auto insurance costs in Waverly fall around $318 for six months.
The cheapest auto insurance company in Waverly is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Waverly at $1046 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Waverly

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Waverly are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Waverly. Their Average 6 Month Premium is $187. Allstate is the most expensive at $641 for the same period.

Cheapest Liability Coverage in Waverly, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$187	$31
Farm Bureau	$237	$40
Georgia Farm Bureau	$252	$43
Auto-Owners	$303	$51
Mercury	$303	$51
Country Financial	$323	$54
USAA	$338	$57
Progressive	$374	$63
Central Insurance	$394	$65
State Farm	$581	$98
Allstate	$641	$108

Cheapest Full Coverage Car Insurance in Waverly

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Waverly is Country Financial at $54 per month and $318 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waverly, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$318	$54
Auto-Owners Insurance Co	$419	$70
Farm Bureau	$560	$95
Georgia Farm Bureau	$616	$103
Auto-Owners	$898	$151
USAA	$929	$156
Progressive	$1096	$184
Mercury	$1131	$189
Allstate	$1192	$201
Esurance P&C Ins Co	$1217	$203
State Farm	$1221	$206

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Average Car Insurance in Waverly by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Waverly, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Waverly, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Waverly's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Waverly

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$604
30s	Georgia Farm Bureau	$483
40s	Georgia Farm Bureau	$463
50s	Georgia Farm Bureau	$444
60s	Georgia Farm Bureau	$440
70s	Georgia Farm Bureau	$533

Cheapest Car Insurance Rates for Teen Drivers in Waverly,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Waverly at $44 per month. At $6210 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$268	$44
Mercury	$318	$54
Country Financial	$379	$64
Central Insurance	$394	$67
USAA	$1494	$252
Auto-Owners	$1641	$276
Georgia Farm Bureau	$1712	$286
Farm Bureau	$1788	$304
State Farm	$4428	$745
Allstate	$4453	$750
Progressive	$6210	$1046

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Waverly.

As young drivers face the highest rates in Waverly, Georgia Farm Bureau offers the cheapest auto insurance rates at $604 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Waverly, Country Financial is the cheapest car insurance provider. At $263 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Waverly is State Farm, offering rates of around $3812 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$263	$43
Mercury	$308	$53
Farm Bureau	$560	$94
USAA	$1217	$207
Progressive	$1879	$313
Auto-Owners	$1975	$336
Allstate	$2151	$359
State Farm	$3812	$649

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Save up to $971/yr on car insurance rates in Waverly.

Car Insurance Rates with An Accident in Waverly

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Waverly, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Waverly

The cheapest car insurance companies after an at-fault accident in Waverly include AutoOwners Insurance Co and Country Financial, offering $278 and $429, respectively. Allstate is an expensive provider with an average six-month premium of $1828.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$278	$46
Country Financial	$429	$72
Encompass	$474	$79
Central Insurance	$520	$88
Farm Bureau	$616	$103
Georgia Farm Bureau	$757	$129
Auto-Owners	$768	$129
USAA	$823	$139
Progressive	$1520	$256
State Farm	$1540	$259
Allstate	$1828	$308

Waverly Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waverly GA. For example, the car insurance in Waverly after a DUI increases to $919 for a six month policy. While the rate increases by $289 for a six-month policy in the case of a speeding ticket.

Waverly auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1080	$180
One Med/PIP claim	$1080	$184
One comp claim	$1085	$181
Two Med/PIP claims	$1085	$184
Not-at-fault accident	$1091	$182
Two comp claims	$1106	$188
Driving without lights	$1303	$217
Failure to wear a seat belt	$1303	$222
Child safety restraint	$1318	$219
Failure to show documents	$1318	$224
Cell phone violation	$1348	$224
Texting while driving	$1348	$230
Driving too slowly	$1369	$228
Speeding 6 - 10 MPH over limit	$1369	$233
Speeding in school zone	$1369	$228
Speeding 11 - 15 MPH over limit	$1374	$234
Driving with expired registration	$1379	$230
Failure to yield	$1379	$235
Following too closely	$1379	$230
Illegal turn	$1379	$235
Failure to stop at a red light	$1384	$230
Improper passing	$1384	$235
Speeding 16 - 20 MPH over limit	$1384	$230
Wrong way/wrong lane	$1384	$235
Speeding 21 - 25 MPH over limit	$1398	$233
Passing school bus	$1424	$242
In 65 MPH zone	$1429	$238
Open container	$1449	$247
At-fault accident - less than $1000	$1454	$242
Operating a vehicle without permission	$1474	$251
At-fault accident - $1000-$2000	$1585	$264
At-fault accident - greater than $2000	$1595	$271
Refusal to submit to a chemical test	$1868	$311
Reckless driving	$1924	$327
Racing	$1969	$328
Driving with a suspended license	$1975	$336
DUI	$1999	$333
Leaving scene of an accident/hit and run	$2050	$349

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Waverly after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Waverly.

The cheapest car insurance premiums in Waverly are offered by Mercury at $323 for a six-month policy. However, it can be as expensive as $1454 with companies like Progressive.

Waverly car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$323	$55
Auto-Owners Insurance Co	$419	$70
Country Financial	$455	$77
Esurance P&C Ins Co	$626	$105
Auto-Owners	$1000	$168
Farm Bureau	$1085	$181
USAA	$1176	$198
Georgia Farm Bureau	$1217	$203
State Farm	$1318	$222
Allstate	$1393	$235
Progressive	$1454	$245

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Waverly are offered by AutoOwners Insurance Co at $217. However, it can be as expensive as $1651 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Waverly after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$217	$37
Country Financial	$237	$40
Mercury	$338	$58
Farm Bureau	$616	$103
Auto-Owners	$752	$128
USAA	$818	$136
State Farm	$1070	$182
Allstate	$1454	$242
Progressive	$1651	$281

Car Insurance Price Trends in Waverly, Georgia

Car insurance rates in Waverly have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Waverly rose by $191 in December compared to $188 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Waverly rose to $61 in December, compared to $58 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Waverly?

The car insurance in Waverly is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Waverly?

The cheapest car insurance in Waverly is $54 per month for full coverage.

How much is car insurance in Waverly for teenagers?

Car insurance for teenagers costs $268 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Waverly?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $146 per month to insure your car in Waverly.

Is car insurance expensive in Waverly?

Car insurance can be expensive in Waverly if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Waverly can be affordable.

Cheapest Car Insurance Quotes in Waverly

Why you can trust Way?

How Much Is Car Insurance in Waverly

Avg. Car Insurance in Waverly

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Waverly

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Waverly Car Insurance Rates by Company

Cheap Car Insurance Companies in Waverly, GA

Way's key takeaways about car insurance in Waverly

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Waverly

Cheapest Liability Coverage in Waverly, GA

Cheapest Full Coverage Car Insurance in Waverly

Cheapest Full Coverage Car Insurance Quotes in Waverly, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Waverly by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Waverly, GA increasing?

Car Insurance Premiums by Age in Waverly

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Waverly,GA

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Waverly.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Waverly

Cheapest Car Insurance Companies after an At-Fault Accident in Waverly

Waverly Car Insurance Rates by Violation

Waverly auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Waverly after a DUI

Waverly car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Waverly after Speeding ticket

Car Insurance Price Trends in Waverly, Georgia

Average Car Insurance Cost in Waverly by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Waverly, GA

Car Insurance Rates by State in the USA (2025 Update)

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