The average annual cost of a full coverage policy in Loganville is $1,796 per year, $171 more than the average cost of car insurance in Georgia.
The best way to secure a low rate on a car insurance policy is to shop around and get multiple quotes before you buy. Policygenius can help you see rates from a range of insurers so you can choose the best option for your needs (and your wallet).
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Loganville, GA
How much you pay for car insurance depends on how old you are, the type of car you drive, your overall driving record, where you live, and even your credit record. But rates also vary widely by company, which is why it’s so important to see plenty of options before you pick a policy. Here are the five cheapest car insurance companies in Loganville and their J.D. Power scores (when they were available).
Company | Average cost | JD Power Rating |
|---|---|---|
Auto-Owners Insurance | $92/month | 865 |
Central Insurance | $101/month | -- |
USAA | $102/month | 890 |
COUNTRY Financial | $115/month | -- |
Farm Bureau | $120/month | -- |
Cheapest car insurance rates by ZIP code in Loganville, GA
Insurance companies use your ZIP code to evaluate the chances of a claim in your neighborhood — they look to see whether there’s secure parking or on-street parking, the frequency of reports of theft and vandalism, and even the number of accidents and traffic tickets issued in your area. The table below shows car insurance rates by ZIP code in the city of Loganville.
ZIP code | Average cost |
|---|---|
30052 | $1,796 |
Choosing the right car insurance company in Loganville, GA
Finding the right car insurance company is easier than you think, just start by breaking it down into the most important key factors to compare.
Cost: Get multiple car insurance quotes so you can compare rates before buying
Coverage: Higher coverage limits means more protection, but it also means higher rates, so figure out how much coverage you can get while staying in budget
Customer service: Check things like claims satisfaction ratings before you pick a company, so you’ll get the service you need if the worst happens
Car insurance rates for drivers with driving violations in Loganville, GA
Your driving record can have a huge impact on how much you pay for car insurance. Speeding tickets, especially a lot of them, can increase your rates. Accidents mean even bigger increases, especially if you’re determined to be at fault. The more violations on your record, the higher your car insurance rates will climb.
Violation | Auto-Owners Insurance | Central Insurance | USAA | COUNTRY Financial | Farm Bureau |
|---|---|---|---|---|---|
At-fault accident | $1,482 | $1,903 | $1,842 | $1,942 | $1,770 |
Suspended license | $2,106 | $2,655 | $2,423 | $2,365 | $2,936 |
Open container | $1,093 | $2,655 | $1,876 | $1,996 | $2,936 |
Expired registration | $1,093 | $1,560 | $1,585 | $1,996 | $1,445 |
Driving without lights | $1,093 | $1,646 | $1,585 | $1,996 | $1,445 |
Running a red light | $1,093 | $1,646 | $1,585 | $1,996 | $1,445 |
Following too closely | $1,093 | $1,646 | $1,585 | $1,996 | $1,445 |
Hit and run | $2,106 | $2,655 | $2,685 | $2,365 | $2,936 |
Not-at-fault accident | $1,093 | $1,302 | $1,281 | $1,515 | $1,445 |
Passing a school bus | $1,215 | $1,646 | $1,876 | $1,996 | $1,445 |
Reckless driving | $2,106 | $2,655 | $1,876 | $2,365 | $2,439 |
Cheapest car insurance for drivers with a DUI in Loganville, GA
Company | Rates for drivers with DUIs |
|---|---|
Auto-Owners Insurance | $2,106 |
COUNTRY Financial | $2,365 |
USAA | $2,553 |
Central Insurance | $2,655 |
Farm Bureau | $2,936 |
Cheapest car insurance for drivers with a speeding ticket in Loganville, GA
Company | Rates for drivers with speeding tickets |
|---|---|
Auto-Owners Insurance | $1,417 |
Farm Bureau | $1,445 |
USAA | $1,585 |
Central Insurance | $1,646 |
COUNTRY Financial | $1,996 |
Cheapest car insurance for drivers with bad credit in Loganville, GA
If you have bad credit, then you’re probably going to pay more for your car insurance, which makes it all the more important to shop around and find a company that offers affordable rates. The table below shows the five cheapest car insurance companies in Loganville for drivers with poor credit.
Company | Rates for drivers with bad credit |
|---|---|
Safeway Insurance | $1,989 |
COUNTRY Financial | $2,179 |
USAA | $2,311 |
Central Insurance | $2,391 |
Nationwide | $2,429 |
Buying car insurance in Loganville, GA
Georgia drivers are required to have car insurance — every driver must meet the following minimum requirements if they want to drive legally on public roads:
$25,000 property damage liability per accident
$25,000 bodily injury liability per person/ 50,000 per accident
It doesn’t matter how much (or how little) you drive, you still need to have at least the minimum amount of car insurance.
How to get cheap car insurance in Loganville, GA
Drive safely: Don’t speed and do your best to avoid accidents and you’ll get better rates
Compare quotes: Whether you’re getting new insurance or simply reevaluating what you have, get multiple quotes to see which company offers the best rate
Get every discount: Members of the military, low mileage drivers, good students, and professional groups including emergency responders and teachers are often given discounted rates, so ask about any discounts that may be available
Bundle: If you have multiple insurance policies, consider bundling them together with the same insurer. This can get you a lower rate on all your policies, not just your car insurance.
Frequently asked questions
How can I save money on my car insurance rates in Loganville?
Keep an eye on your credit, avoid speeding tickets, and drive safely to avoid accidents and you’ll get a better rate on your car insurance.
Is Georgia a no-fault state?
No, the State of Georgia is not a no-fault state. The insurance of the driver who is at fault for an accident will pay everyone’s expenses, up to the limits in the policy.
Does Georgia require car insurance?
Yes, all registered vehicles in Georgia must have car insurance. The minimum required amounts are $25,000 for property damage liability per accident, $25,000 for bodily injury liability per person, and $50,000 bodily injury liability per accident.
How much is car insurance per month in Georgia?
Drivers in Georgia pay an average of $1,625 per year for car insurance, which breaks down to $135 per month.
