Lithia Springs, GA Car Insurance

Lithia Springs drivers pay, on average, around $122 a month for their car insurance. For more information refer to our guide below.
How does Lithia Springs compare to the surrounding area and the rest of Georgia? What rates can residents of Lithia Springs expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Lithia Springs?

Area Average Monthly Car Insurance Premium
Lithia Springs$122
GA$106
United States$81

Car insurance policies in Lithia Springs are about $16 a month more expensive than the rest of Georgia.

Drivers relocating the Lithia Springs should take note of the differences in average rates. The cost of insuring a vehicle in Lithia Springs is about $41 more expensive than the average rate for the rest of the U.S.

While these are the average car insurance rates for Lithia Springs, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Lithia Springs so that you can get a more accurate idea of what your policy will cost you. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$199
25-34$121
35-44$113
45-54$86
55-64$94
65+$98

The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $101 more than someone who is retirement aged.

Every ten years or so you can expect to see a decline in your monthly premium. Lithia Springs drivers may see their rates climb back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$138
Female$108

In general, female drivers pay less for car insurance than their male counterparts. In Lithia Springs, the difference is around $30 a month. As illustrated in the table above, female drivers in the area pay about $108 on average, while male drivers pay around $138 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$155
Multiple Accidents$234
1 Ticket$140
Multiple Tickets$195

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay much less than those with infractions. In Lithia Springs, drivers with one accident on their record will experience rates around $155 a month. In addition, drivers with a single ticket on their record can expect to pay around $140 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$130
2-3 Years$126
4-5 Years$141
6-7 Years$182
8-10 Years$116
11-14 Years$120
15 Years or Older$106

The most affordable vehicles to insure in Lithia Springs are by and large trucks and vans, which run about $95 per month.

Car owners, on the other hand, usually pay around $129 per month, while SUV drivers can expect to pay about $117 a month for insurance coverage.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Lithia Springs are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$133
Married$93
Divorced$87
Widowed$95

More often than not, those who have settled down into marriage 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.

The difference in rates based on relationship status in Lithia Springs can be as much as $40 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$107
Rent$127
Live with parents$130

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $20 a month more than if you own your own home in Lithia Springs. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

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.

Auto insurance rates in Lithia Springs had been increasing from 2017-2019, before leveling out in 2020. They finished down in 2022, at $91 per 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 deciding how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Rate of crime
  • Regional laws
  • Off-street parking access
  • Road Safety (frequency of car accidents)
  • Amount of drivers in the region

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. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Lithia Springs?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Lithia Springs.

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Lithia Springs 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 like your age and gender, 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 crime rates, local laws, 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?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

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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