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How much is car insurance in Loganville?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $9 a month more expensive to insure your vehicle in Loganville than it is in the rest of Georgia.
Likewise, residents of Loganville might expect to pay higher rates for coverage than the rest of the country. It's around $33 more expensive to insure your vehicle in Loganville compared to the average rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But worry not, we've done the heavy lifting and broken down the average rate for Loganville to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may creep back up a bit in Loganville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Loganville, where women pay around $10 less per month. Based on the chart above, you can see that female drivers pay around $108 on average, while male drivers typically pay $118 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Loganville, drivers with one accident on their record will experience rates around $149 a month. Similarly, drivers with one ticket will typically pay around $187 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$105|
According to the first table above, the cheapest vehicles to insure in Loganville are typically trucks and vans, at $99 per month.
SUV drivers will see rates of about $120 for insurance coverage, while car owners usually pay around $112 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Loganville, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$124|
Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Loganville can be as much as $35 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$145|
One other element taken into consideration is your living situation. In Loganville, homeowners can expect to pay around $14 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 Loganville, GA
Recent trends in car insurance for Loganville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Loganville, the rates for auto insurance had been increasing from 2016-2018, before steadying out in 2019. Rates have been increasing again recently, and finished up at $147 in 2021.
How does Loganville compare to neighboring areas?
Why are car insurance rates in Loganville different from other areas?
Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Number of drivers in the area
- Availability of off-street parking
- Crime rates
- Area laws
- Road Safety (frequency of car accidents)
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Loganville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Loganville.
Loganville Insurance FAQs
What factors affect car insurance quotes in Loganville?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Loganville different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Loganville?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Loganville?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 Loganville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?