Table of contents
How much is car insurance in Lithonia?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Georgia are about $39 a month cheaper than the rates drivers pay in Lithonia.
Likewise, residents of Lithonia might expect to pay higher rates for coverage than the rest of the country. It's around $64 more expensive to insure your vehicle in Lithonia compared to the average rate for the rest of the U.S.
These may be the average auto insurance rates for Lithonia, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down the average rates for Lithonia residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $124 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may begin to go back up in Lithonia.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Lithonia, this difference shakes out to about $22 per month. As you can see in the table above, female drivers in the area typically pay $135 on average, while female drivers typically pay $157 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Lithonia, drivers with one accident on their record will experience rates around $175 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $162.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$153|
|15 Years or Older||$137|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Lithonia, with drivers paying around $123 per month for auto insurance coverage.
Car owners will see a monthly rate of about $149, while SUV owners by and large pay around $141 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Lithonia, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$155|
On average, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
In Lithonia, the difference in rates based on relationship status can be as much as $45 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$155|
One other element taken into consideration is your living accommodations. If you rent your home or apartment in Lithonia, expect to pay around $19 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Lithonia, GA
Recent trends in car insurance for Lithonia drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The cost of auto insurance in Lithonia went up consistently from 2017-2021. It finished down in 2022, at $112.
How does Lithonia compare to neighboring areas?
Why are car insurance rates in Lithonia different from other areas?
There are many factors car insurance companies will consider when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Total number of drivers in the community
- Regional regulations
- Road Safety (total number of local car accidents)
- Local crime rates
- Availability of off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Lithonia?
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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Lithonia.
Lithonia Insurance FAQs
What factors affect car insurance quotes in Lithonia?
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 Lithonia different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Lithonia?
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 Lithonia?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Lithonia or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.