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Cheap Auto Insurance Quotes in Lithonia, GA, for 2023

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Jamie Vassar
Written by
Jamie Vassar
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Written by
Jamie Vassar
Insurance Writer
Jamie Vassar is a personal finance writer currently based out of the Midwest. After years in the customer service and support world, she now hopes to use her degree from the University of Nebraska, Omaha, to better help readers understand their insurance policies and matters of personal finance. Connect with Jamie on LinkedIn.
Danny Smith
Edited by
Danny Smith
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Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.

Updated August 2, 2022

Quick Facts

  • The average cost of car insurance in Lithonia is $385 per month or $4,620 annually.

  • Car insurance in Lithonia is $31 more than the average cost of insurance in Georgia.

  • The cheapest top car insurance provider in Lithonia on average is Travelers.

Car Insurance in Lithonia, GA

While the average cost of insurance in Lithonia is $385 per month, rates can vary due to factors like the age and gender of the driver and risk factors such as a history of unsafe driving. Rates also differ between insurers, which is why it’s so important to take the time to compare car insurance quotes from multiple companies before committing to a policy.

Quotes by Top Companies

Travelers
$227
Progressive
$228
Liberty Mutual
$249
National General
$261
Nationwide
$269

See More:

Cheap Car Insurance Georgia

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Cheapest Car Insurance in Lithonia, GA

What is the cheapest car insurance in Lithonia?

Travelers is the cheapest top car insurance provider on average in Lithonia, with rates starting at $227 per month. It’s still essential to compare car insurance rates, as everyone’s situation is unique.

It’s crucial to compare multiple quotes to find a good fit. Although details like the gender and age of the driver influence quotes, Lithonia hosts many great options for budget-minded buyers. With Insurify, you can find all the details you need to make the best choice.

Insurance CompanyAverage Monthly Quote
Travelers$227
Progressive$228
Liberty Mutual$249
National General$261
Nationwide$269
Hugo$74
Mile Auto$236
State Auto$314
Elephant$316
Midvale Home & Auto$326
SafeAuto$330
Safeco$345
Mercury$371
Foremost GroupSelect℠$407
Amigo America$410
Clearcover$425
Insuremax$455
Freedom National$466
AssuranceAmerica$480
Bristol West$485
The General$496
Infinity$630
Everest National$717
Arrowhead$721
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Minimum Car Insurance Requirements in Georgia

All motor vehicles operated or parked on Georgia roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Georgia[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured motorist bodily injury

  • $50,000 per accident for uninsured motorist bodily injury

  • $25,000 per accident for uninsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.

Lithonia Car Insurance Rates by Driving and Accident History

Besides the factors stated above, insurance agencies also take risk into account when calculating rates. Driving records are used to evaluate a driver’s likelihood of filing a claim and in determining premiums[2]. Typically drivers with clean records will end up paying much less in monthly insurance premiums than drivers who have any infractions on their records.

Driver HistoryAverage Monthly Cost
Clean Record$408
Speeding Ticket$547
At-Fault Accident$596
DUI$812
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More:

High-Risk Car Insurance Georgia

DUI Car Insurance Georgia

Lithonia Car Insurance Rates by Credit Tier

A driver’s credit score is another risk factor that can affect how affordable their auto insurance rate is[3]. The mentality behind this is that if a person is generally riskier in spending, there is a greater likelihood of them filing an insurance claim. Therefore, drivers in better credit tiers are rewarded for their responsible behavior with lower quotes.

Credit TierAverage Monthly Cost
Excellent$334
Good$395
Average$434
Poor$673
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to Get the Cheapest Car Insurance in Lithonia

Safe driving practices will always be a wise way to keep insurance rates affordable because it’s one of the fastest ways to lower the likelihood of risk factors affecting your quotes. If this is off the table, there are plenty of discounts that you can take advantage of, one of the most common being bundling auto insurance with renters insurance or homeowners insurance.

No matter the budget, always compare quotes from providers when shopping for auto insurance coverage. Insurify can help you find the best rates for your lifestyle, offering real-time car insurance quotes from many insurance providers for both new and pre-owned vehicles.

Frequently Asked Questions

  • While rates can depend on many factors, you should always compare rates. Insurify, with a network of over 200 insurance companies throughout the U.S., works with you to compare coverage options and find the car insurance policy that fits your needs.

  • The average cost of insurance in Lithonia is $385 per month or $4,620 annually. This is $31 more than the state’s average of $354 per month or $4,248 annually. Rates can vary due to things like the age and gender of the driver and risk factors like poor driving history and credit tier.

  • General risk factors like impaired driving or at-fault accidents on a record, as well as a driver’s credit history, can quickly increase insurance rates in Lithonia. However, other more common factors that can affect costs are the age and gender of the driver and the cost and year of the vehicle.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Office of Commissioner of Insurance and Safety Fire. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. idrivesafely.com. "Georgia Driving Record." Accessed July 29, 2022
  3. Georgia Office of Attorney General - Consumer Protection Division. "Credit Reports and Credit Score." Accessed July 29, 2022
Jamie Vassar
Written by
Jamie Vassar
Linkedin

Insurance Writer

Jamie Vassar is a personal finance writer currently based out of the Midwest. After years in the customer service and support world, she now hopes to use her degree from the University of Nebraska, Omaha, to better help readers understand their insurance policies and matters of personal finance. Connect with Jamie on LinkedIn.

Learn More
Danny Smith
Edited by
Danny Smith
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.