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Finding the cheapest car insurance quotes in Lithia shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Lithia
The car insurance rate in Lithia is $1841 for a six-month policy, which is $240 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1175, making it a popular choice for budget-conscious drivers. Rates in Lithia can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $1175 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $1250 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1455
for six months, making it
the third cheapest auto insurance company in Lithia.
Lithia Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lithia, FL is Travelers, offering policies at just $1175 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1250.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1099 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lithia drivers find the best deals.
The auto insurance costs in Lithia fall around $1175 for six
months.
The cheapest auto insurance company in Lithia is Patrons Insurance.
Teen drivers pay the highest rate in Lithia at $1588 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Lithia
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Lithia are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Lithia. Their Average 6 Month Premium is $144.
Metropolitan Group is the most
expensive at $437 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Lithia is Travelers
at $198 per month and $1175
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lithia,
FL
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Lithia, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lithia, Florida, may be increasing due to several external factors.
Florida has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Lithia's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lithia
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Travelers
$1492
40s
Travelers
$1126
50s
Travelers
$1050
60s
Travelers
$1035
Cheapest Car Insurance Rates for Teen Drivers in
Lithia,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Lithia at $103
per
month. At $9338 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Lithia.
As young drivers face the highest rates in Lithia, Travelers
offers the cheapest auto insurance rates at $1492 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Lithia,
Nationwide is
the cheapest car insurance provider. At $744 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Lithia is Allstate, offering
rates of around $5971 for six
months.
Save up to $971/yr on car insurance rates in Lithia.
Car Insurance Rates with An Accident in Lithia
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Lithia, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lithia
The cheapest car insurance companies after an at-fault accident in
Lithia include Nationwide
and AIG, offering $785
and $1004,
respectively. National General is an expensive provider
with an average six-month premium of
$1216.
Here is a list of driving violations that can increase your car
insurance rates in Lithia FL. For example, the car
insurance in Lithia
after a DUI increases to $1078 for a six
month policy. While the rate increases by $327 for a six-month policy in the case of
a speeding ticket.
Lithia auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2098
$350
One Med/PIP claim
$2098
$357
Not-at-fault accident
$2268
$378
Two Med/PIP claims
$2330
$396
One comp claim
$2363
$394
Child safety restraint
$2370
$402
Failure to wear a seat belt
$2370
$396
Driving without lights
$2377
$404
Failure to show documents
$2377
$397
Speeding 6 - 10 MPH over limit
$2425
$413
Improper passing
$2432
$405
Passing school bus
$2432
$414
Wrong way/wrong lane
$2432
$405
Failure to stop at a red light
$2439
$415
Failure to yield
$2439
$406
Illegal turn
$2439
$415
Cell phone violation
$2446
$407
Driving with expired registration
$2446
$416
Following too closely
$2446
$407
Texting while driving
$2452
$417
Two comp claims
$2507
$417
Driving too slowly
$2521
$429
Speeding in school zone
$2521
$420
Speeding 11 - 15 MPH over limit
$2528
$430
In 65 MPH zone
$2616
$436
Speeding 16 - 20 MPH over limit
$2616
$445
Speeding 21 - 25 MPH over limit
$2630
$438
Open container
$2658
$452
Operating a vehicle without permission
$2658
$443
At-fault accident - less than $1000
$2883
$490
At-fault accident - $1000-$2000
$2930
$489
At-fault accident - greater than $2000
$2930
$498
Racing
$3169
$528
DUI
$3176
$541
Refusal to submit to a chemical test
$3176
$529
Driving with a suspended license
$3231
$550
Reckless driving
$3299
$550
Leaving scene of an accident/hit and run
$3334
$567
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Lithia after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Lithia.
The cheapest car insurance premiums in
Lithia are
offered by AIG at $738 for a six-month policy.
However, it can be as
expensive as $915 with companies
like National General.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Lithia are offered by Nationwide
at $642. However,
it can be as expensive as $3334
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Lithia after Speeding ticket
Car insurance rates in Lithia have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lithia remained steady at $317 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Lithia remained steady at $97 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lithia. At $3682 for a
six-month policy, insuring
your car at 33547 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Lithia?
The car insurance in Lithia is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Lithia?
The cheapest car insurance in Lithia
is $198 per month
for full coverage.
How much is car insurance in Lithia for teenagers?
Car insurance for teenagers costs $622 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Lithia?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $309 per month to insure your
car in Lithia.
Is car insurance expensive in Lithia?
Car insurance can be expensive in Lithia if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lithia can be
affordable.
What is the best car insurance in Lithia,
FL?
The best car insurance company in Lithia
FL is
Travelers, offering $1175 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lithia, FL
Car Insurance Rates by State in the USA (2025 Update)
Lithia Car Insurance
