Cheap Auto Insurance Quotes in Loganville, GA, for 2023

Car Insurance in Loganville, GA

Car insurance in Loganville is pretty low-cost if you know where to look. There is a large range of premium costs in the city, so your cost could vary. That’s why it pays to compare rates from multiple insurers before settling on a policy. Here’s what you need to know to find the right coverage for your insurance needs in Loganville.

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Cheapest Car Insurance in Loganville, GA

Below is a list of average rates from various providers in Loganville. Some providers can get a bit expensive, but you can get always get an affordable auto insurance policy if you take the time to shop around.

Minimum Car Insurance Requirements in Georgia

All motor vehicles operated or parked on Georgia roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Georgia^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured motorist bodily injury

• $50,000 per accident for uninsured motorist bodily injury

• $25,000 per accident for uninsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.

Loganville Car Insurance Rates by Driving and Accident History

Traffic violations like speeding tickets, at-fault accidents, and DUIs can increase car insurance premiums^[2]. That’s because insurers rely on your driving record and accident history to determine your chances of filing a claim. The more likely you are to file a claim, the more you’ll pay for coverage. If you can keep a clean record, you may save money on premiums.

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High-Risk Car Insurance Georgia

DUI Car Insurance Georgia

Loganville Car Insurance Rates by Credit Tier

Insurers in Georgia can use a credit-based insurance score as a factor in your quote^[3]. It’s different from your regular credit score but does factor in payment history, outstanding debt, credit history length, new accounts, and types of credit you have. The better your credit record in these five areas, the cheaper your car insurance rates can be.

How to Get the Cheapest Car Insurance in Loganville

One of the best ways to get the cheapest car insurance in Loganville is by shopping around and comparing car insurance quotes from several providers. Insurify makes this process easy, allowing you to compare the best rates from both national and local insurers in minutes.

Bundling your auto insurance with renters insurance or homeowners insurance is another great way to get cheap car insurance. Most companies offer these kinds of discounts for bundling insurance products, as well as many others that you may qualify for.

Frequently Asked Questions

Insurify Insights

How Loganville Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Loganville, Georgia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Loganville drivers measure up to their fellow motorists across Georgia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Toyota Camry

Most Popular Car in Loganville

#35

City with the Most Speeding Tickets Rank in Georgia

#44

City with the Most Moving Violations Rank in Georgia

#163

City with the Most DUIs Rank in Georgia

#186

City with the Most Suspended Licenses in Georgia

• Accidents in Loganville

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Loganville drivers rank 39 in the number of car accidents per driver across all cities in Georgia.

  • Rank within state: #39
  • Percent of drivers in Loganville with an accident: 11.8%
• DUI/DWIs in Loganville

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Loganville drivers rank 163 in the number of DUI’s per driver across all cities in Georgia.

  • Rank within state: #163
  • Percent of drivers in Loganville with a DUI: 0.8%
• Reckless Drivers in Loganville

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Georgia, Loganville drivers rank 145 in the number of reckless driving offenses per driver.

  • Rank within state: #145
  • Percent of drivers in Loganville with a reckless driving offense: 1.5%
• Rude Drivers in Loganville

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Georgia, Loganville drivers rank 106 in rude driving infractions.

  • Rank within state: #106
  • Percent of drivers in Loganville with a reckless driving violation: 2.3%
• Speeding in Loganville

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Loganville drivers rank 35 in the number of speeding infractions per driver.

  • Rank within state: #35
  • Percent of drivers in Loganville with a speeding ticket: 12.4%
• Safest Drivers in Loganville

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Loganville drivers rank 182 in clean driving records across all cities in Georgia.

  • Rank within state: #182
  • Percent of drivers in Loganville with clean record: 74.3%
• Hybrid/Electric Vehicle Ownership in Loganville

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Loganville drivers rank 99 in hybrid and electric vehicle ownership across all cities in Georgia.

  • Rank within state: #99
  • Percent of drivers in Loganville with a hybrid/electric vehicle: 0.61%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.