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Cheap Auto Insurance Quotes in Lithonia, GA, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Jamie Vassar

By: Jamie Vassar

Edited by Danny Smith

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

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: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in Georgia

Every state has unique laws regarding the minimum insurance coverages required for its drivers. Georgian drivers must have property damage insurance and bodily injury coverage before getting behind the wheel[1]. Read more on Georgia’s minimum car insurance requirements.

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: actual quotes may vary based on the policyholder's unique driver profile.

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: actual quotes may vary based on the policyholder'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 over 40 million auto insurance rates 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. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jamie Vassar
Jamie Vassar
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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

Sources

  1. Office of Commissioner of Insurance and Safety Fire. "State Minimum Car Insurance Requirements." Accessed July 14, 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