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How much is car insurance in Lithonia?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $40 a month more expensive to insure your vehicle in Lithonia than it is in the rest of Georgia.
The average cost of insuring your vehicle in Lithonia is above the national rate. The cost of auto coverage in Lithonia is about $65 more expensive than the national average.
Bear in mind that while these rates are the average costs for Lithonia residents, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Lithonia residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Lithonia Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates begin to go back up in Lithonia.
Lithonia Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Lithonia, the difference is around $22 a month. Based on the chart above, you can see that male drivers pay $157 on average, while female drivers typically pay $135 each month.
Lithonia Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Lithonia with one accident will pay around $174 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $163.
Lithonia Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$153|
|15 Years or Older||$136|
In Lithonia, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $123 per month for insurance.
Car owners, on the other hand, by and large pay around $148 per month, while SUV drivers can expect to pay about $140 a month for auto insurance.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Lithonia, the most expensive vehicles to insure are vehicles four-to-five years old.
Lithonia Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$154|
On average, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Lithonia as well, where the difference is around $45 a month.
Lithonia 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. Those who own their own home in Lithonia can expect to pay around $19 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
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 shopping for coverage.
The rates for auto insurance in Lithonia increased steadily from 2017-2021. Insurance rates finished down in 2022, at $117.
How does Lithonia compare to neighboring areas?
Why are car insurance rates in Lithonia different from other areas?
Car insurance companies will take into account a variety of factors when figuring out how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Off-street parking availability
- Number of car accidents
- Number of drivers in the area
- Regional laws
- Crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Lithonia?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, 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. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Lithonia.
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Lithonia Auto 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 like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Lithonia different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Lithonia?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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.
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