The best car insurance in Loganville, GA

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 8, 2021

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The average annual cost of  a full coverage policy in Loganville is $1,842 per year,  $132 more than the average cost of car insurance in Georgia.

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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).

Key Takeaways

  • Auto-Owners Insurance has the lowest average rate for full coverage car insurance in Loganville at $858 per year

  • The average cost of full coverage car insurance in Georgia is $1,710 a year

  • Georgia requires that drivers have coverage of at least $25,000 in property damage liability, $25,000 bodily injury liability per person, and $50,000 bodily injury liability per accident in order to register a car

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

$858

890

USAA

$1,196

890

Georgia Farm Bureau

$1,486

--

State Farm

$1,560

881

Nationwide

$1,728

876

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

$1,842

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

USAA

Georgia Farm Bureau

State Farm

Nationwide

At-fault Accident

$1,127

$1,804

$1,826

$1,860

$3,147

DUI

$1,569

$2,512

$3,032

$1,719

$3,894

Driving with a suspended license

$1,569

$2,382

$3,032

$1,719

$3,894

Driving with an open container

$1,569

$1,842

$3,032

$1,719

$3,894

Driving with expired registration

$851

$1,556

$1,490

$1,719

$2,186

Driving without Lights

$851

$1,556

$1,490

$1,719

$2,186

Failure to show documents

$851

$1,556

$1,490

$1,719

$2,186

Failure to stop at a red light

$851

$1,556

$1,490

$1,719

$2,186

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

$2,039

Auto-Owners Insurance

$2,190

USAA

$2,262

Nationwide

$2,439

GEICO

$2,550

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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

I’m turning 25 soon, will my rates change?

Drivers turning 25 could see lower rates, but a lot depends on your driving record and the kind of car you drive. Assuming you’ve kept a clean record, however, your rates should go down once you turn 25.

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.

Methodology

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.