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Finding the cheapest car insurance quotes in Sugar Valley shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Sugar Valley
The car insurance rate in Sugar Valley is $954 for a six-month policy, which is $72 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $348, making it a popular choice for budget-conscious drivers. Rates in Sugar Valley 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.
At $348 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 $458 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 $613
for six months, making it
the third cheapest auto insurance company in Sugar Valley.
Sugar Valley Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sugar Valley, GA is Country Financial, offering policies at just $348 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $458.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1336 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sugar Valley drivers find the best deals.
Way's key takeaways about car insurance in Sugar Valley
The auto insurance costs in Sugar Valley fall around $348 for six
months.
The cheapest auto insurance company in Sugar Valley is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Sugar Valley at $1144 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 Sugar Valley
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 Sugar Valley are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Sugar Valley. Their Average 6 Month Premium is $205.
Allstate is the most
expensive at $701 for the same
period.
Cheapest Full Coverage Car Insurance in Sugar Valley
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 Sugar Valley is Country Financial
at $60 per month and $348
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sugar Valley,
GA
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Average Car Insurance in Sugar Valley 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 Sugar Valley, GA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sugar Valley, 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, Sugar Valley's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Sugar Valley
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
$660
30s
Georgia Farm Bureau
$528
40s
Georgia Farm Bureau
$507
50s
Georgia Farm Bureau
$485
60s
Georgia Farm Bureau
$482
70s
Georgia Farm Bureau
$583
Cheapest Car Insurance Rates for Teen Drivers in
Sugar Valley,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 Sugar Valley at $48
per
month. At $6795 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties Georgia Farm Bureau is
the best choice for car
insurance in Sugar Valley.
As young drivers face the highest rates in Sugar Valley, Georgia Farm Bureau
offers the cheapest auto insurance rates at $660 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 Sugar Valley,
Country Financial is
the cheapest car insurance provider. At $287 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
Sugar Valley is State Farm, offering
rates of around $4171 for six
months.
Save up to $971/yr on car insurance rates in Sugar Valley.
Car Insurance Rates with An Accident in Sugar Valley
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 Sugar Valley, GA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sugar Valley
The cheapest car insurance companies after an at-fault accident in
Sugar Valley include AutoOwners Insurance Co
and Country Financial, offering $304
and $470,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2000.
Here is a list of driving violations that can increase your car
insurance rates in Sugar Valley GA. For example, the car
insurance in Sugar Valley
after a DUI increases to $1005 for a six
month policy. While the rate increases by $315 for a six-month policy in the case of
a speeding ticket.
Sugar Valley auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1182
$197
One Med/PIP claim
$1182
$201
One comp claim
$1188
$198
Two Med/PIP claims
$1188
$202
Not-at-fault accident
$1193
$199
Two comp claims
$1210
$206
Driving without lights
$1426
$237
Failure to wear a seat belt
$1426
$243
Child safety restraint
$1442
$240
Failure to show documents
$1442
$246
Cell phone violation
$1475
$246
Texting while driving
$1475
$251
Driving too slowly
$1497
$249
Speeding 6 - 10 MPH over limit
$1497
$255
Speeding in school zone
$1497
$249
Speeding 11 - 15 MPH over limit
$1503
$256
Driving with expired registration
$1508
$251
Failure to yield
$1508
$257
Following too closely
$1508
$251
Illegal turn
$1508
$257
Failure to stop at a red light
$1514
$252
Improper passing
$1514
$258
Speeding 16 - 20 MPH over limit
$1514
$252
Wrong way/wrong lane
$1514
$258
Speeding 21 - 25 MPH over limit
$1530
$255
Passing school bus
$1558
$265
In 65 MPH zone
$1563
$260
Open container
$1586
$270
At-fault accident - less than $1000
$1591
$265
Operating a vehicle without permission
$1613
$274
At-fault accident - $1000-$2000
$1734
$289
At-fault accident - greater than $2000
$1746
$297
Refusal to submit to a chemical test
$2044
$340
Reckless driving
$2105
$358
Racing
$2155
$359
Driving with a suspended license
$2160
$367
DUI
$2187
$365
Leaving scene of an accident/hit and run
$2243
$381
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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 Sugar Valley 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 Sugar Valley.
The cheapest car insurance premiums in
Sugar Valley are
offered by Mercury at $353 for a six-month policy.
However, it can be as
expensive as $1591 with companies
like Progressive.
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 Sugar Valley are offered by AutoOwners Insurance Co
at $237. However,
it can be as expensive as $1806
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Sugar Valley after Speeding ticket
Car Insurance Price Trends in Sugar Valley,
Georgia
Car insurance rates in Sugar Valley have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sugar Valley rose by
$209 in December
compared to $206 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 Sugar Valley rose to $67 in December,
compared to $63 in November.
This represents an increase of $4
when comparing December and November.
Average Car Insurance Cost in Sugar Valley by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Sugar Valley. At $1908 for a
six-month policy, insuring
your car at 30746 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Sugar Valley?
The car insurance in Sugar Valley is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Sugar Valley?
The cheapest car insurance in Sugar Valley
is $60 per month
for full coverage.
How much is car insurance in Sugar Valley for teenagers?
Car insurance for teenagers costs $293 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
Sugar Valley?
The average cost of car insurance is $1026 for a six-month
policy. It will cost around $160 per month to insure your
car in Sugar Valley.
Is car insurance expensive in Sugar Valley?
Car insurance can be expensive in Sugar Valley if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sugar Valley can be
affordable.
What is the best car insurance in Sugar Valley,
GA?
The best car insurance company in Sugar Valley
GA is
Country Financial, offering $348 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Sugar Valley, GA
Car Insurance Rates by State in the USA (2025 Update)
Sugar Valley Car Insurance
