Table of contents
How much is car insurance in Lithonia?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Lithonia | $136 |
| GA | $103 |
| United States | $80 |
Car insurance policies in Lithonia are about $33 a month more expensive than the rest of Georgia.
Compared to the national average cost of auto coverage, Lithonia has higher rates. It's around $56 more expensive for coverage in Lithonia than the average rates seen in the rest of the U.S.
While these numbers are the average rates for auto insurance in Lithonia, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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 analyzed the average rate for Lithonia and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $218 |
| 25-34 | $140 |
| 35-44 | $126 |
| 45-54 | Not Enough Data |
| 55-64 | $101 |
| 65+ | $127 |
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may climb back up in Lithonia.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $144 |
| Female | $129 |
Car insurance rates for women are generally cheaper than they are for men. This rings true in Lithonia, where women pay around $15 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $129 each month, while men pay $144 on average.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $199 |
| Multiple Accidents | $271 |
| 1 Ticket | $170 |
| Multiple Tickets | $300 |
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Lithonia, drivers with one accident on their record will experience rates around $170 a month. Likewise, drivers with one ticket will be looking at a rate of around $199 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $145 |
| 2-3 Years | $130 |
| 4-5 Years | $144 |
| 6-7 Years | $132 |
| 8-10 Years | $145 |
| 11-14 Years | $139 |
| 15 Years or Older | $127 |
According to the first table above, the cheapest vehicles to insure in Lithonia are usually trucks and vans, at $120 per month.
Car owners can expect to pay an average of around $139 a month for their policy, while SUVs usually cost around $133 a month to insure.
Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Lithonia, for example, are vehicles less than or equal to one-year-old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $144 |
| Married | $110 |
| Divorced | $110 |
| Widowed | $106 |
Generally, married policyholders will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Lithonia follows that pattern, with the difference totaling to around $34 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $126 |
| Rent | $140 |
| Live with parents | $156 |
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Lithonia. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Lithonia, GA
Recent trends in car insurance for Lithonia drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Lithonia, the rates for auto insurance rose consistently from 2016-2020. They finished down in 2021, at $169.
How does Lithonia compare to neighboring areas?
Why are car insurance rates in Lithonia different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Number of drivers
- Community regulations
- Frequency of car accidents
- Access to off-street parking
- Crime rates
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 Lithonia?
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 hold on! Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Lithonia in no time.
Lithonia Insurance FAQs
What factors affect car insurance quotes in Lithonia?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Lithonia different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Lithonia?
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 Lithonia?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
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.