Table of contents
How much is car insurance in Lithia Springs?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $13 a month more expensive to insure your vehicle in Lithia Springs than it is in the rest of Georgia.
Similarly, Lithia Springs residents will likely pay higher rates for their insurance policy than the rest of the country. You can expect to pay about $37 more for your policy in Lithia Springs.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Lithia Springs to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may creep back up in Lithia Springs.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Lithia Springs, this difference shakes out to about $28 a month. As you can see in the table above, female drivers in the area typically pay $104 on average, while female drivers typically pay $132 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Lithia Springs with a single accident will pay around $150 a month. Similarly, drivers with one ticket will typically pay around $198 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$113|
|15 Years or Older||$107|
The cheapest vehicles to insure in Lithia Springs are typically trucks and vans, with each type typically costing about $94 per month.
SUV drivers will see rates of about $118, while the rates for car owners average out to about $121 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Lithia Springs, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$127|
On average, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Lithia Springs is no exception, with the difference totaling to around $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$134|
Your living accommodations is another factor that affects your monthly rate. Those who own their own home in Lithia Springs can expect to pay around $17 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Lithia Springs, GA
Recent trends in car insurance for Lithia Springs drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Lithia Springs, the rates for auto insurance increased from 2018-2019, before leveling out in 2020. Insurance rates finished up in 2021, at $188 a month
How does Lithia Springs compare to neighboring areas?
Why are car insurance rates in Lithia Springs different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you live. These factors include things like:
- Total drivers
- Access to off-street parking
- Rate of car accidents
- Crime levels
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Lithia Springs?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Lithia Springs.
Lithia Springs Insurance FAQs
What factors affect car insurance quotes in Lithia Springs?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Lithia Springs different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Lithia Springs?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Lithia Springs?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Lithia Springs or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.