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How much is car insurance in Lithia Springs?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Georgia are about $16 a month cheaper than the rates drivers pay in Lithia Springs.
Likewise, drivers in Lithia Springs may pay higher rates than the rest of the country. The average monthly payment in Lithia Springs is about $41 more expensive than the rate for the rest of the U.S.
Although these are the average car insurance rates in Lithia Springs, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for Lithia Springs residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Lithia Springs Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Lithia Springs drivers may see their rates begin to increase again once they hit retirement age.
Lithia Springs Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This rings true in Lithia Springs, where women pay around $31 less per month than men. As illustrated in the table above, male drivers in the area pay about $138 on average, while female drivers pay around $107 each month.
Lithia Springs Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. In Lithia Springs, a driving record with one accident will usually get you a rate around $154 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $138.
Lithia Springs Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$130|
|15 Years or Older||$106|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Lithia Springs, with drivers paying around $95 per month for auto insurance.
Car owners will see a monthly bill of about $129, while SUV owners by and large pay around $117 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Lithia Springs are vehicles six-to-seven years old.
Lithia Springs Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$132|
Overall, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Lithia Springs, with married couples paying about $39 less per month.
Lithia Springs Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$129|
Another factor taken into consideration is your housing status. If you rent your home or apartment in Lithia Springs, expect to pay around $20 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Lithia Springs, GA
Recent trends in car insurance for Lithia Springs drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Lithia Springs, the rates for auto insurance increased from 2017-2019, before steadying out in 2020. Insurance rates finished down in 2022, at $92 a month
How does Lithia Springs compare to neighboring areas?
Why are car insurance rates in Lithia Springs different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Off-street parking access
- Road Safety (total number of local car accidents)
- Area laws
- Local crime rates
- Number of drivers in the community
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Lithia Springs?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Lithia Springs.
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Lithia Springs Auto Insurance FAQs
What factors affect car insurance quotes in Lithia Springs?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Lithia Springs different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Lithia Springs?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Lithia Springs?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lithia Springs or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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