Cheapest Car Insurance Quotes in Lithia Springs

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Lithia Springs Car Insurance

^$ 52

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Springs

The car insurance rate in Lithia Springs is $1485 for a six-month policy, which is $432 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $527, making it a popular choice for budget-conscious drivers. Rates in Lithia Springs 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.

Avg. Car Insurance in Lithia Springs

$1485

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Lithia Springs

1st place: Country Financial

At $527 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $695 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $1022 for six months, making it the third cheapest auto insurance company in Lithia Springs.

Lithia Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lithia Springs, GA is Country Financial, offering policies at just $527 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $695.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2387 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lithia Springs drivers find the best deals.

Cheap Car Insurance Companies in Lithia Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$527	$87
Auto-Owners Insurance Co	$695	$118
Georgia Farm Bureau	$1022	$171
Farm Bureau	$1122	$190
Auto-Owners	$1575	$265
USAA	$1575	$265
Progressive	$1624	$274
Mercury	$1877	$319
Allstate	$1918	$323
Esurance P&C Ins Co	$2019	$343
State Farm	$2387	$402

Key Takeaways

Way's key takeaways about car insurance in Lithia Springs

The auto insurance costs in Lithia Springs fall around $527 for six months.
The cheapest auto insurance company in Lithia Springs is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Lithia Springs at $1431 per month.

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Cheapest Minimum Liability Car Insurance in Lithia Springs

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 Springs are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Lithia Springs. Their Average 6 Month Premium is $310. State Farm is the most expensive at $1097 for the same period.

Cheapest Liability Coverage in Lithia Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$310	$52
Georgia Farm Bureau	$419	$71
Farm Bureau	$461	$79
Mercury	$502	$85
Auto-Owners	$519	$87
Country Financial	$536	$90
USAA	$578	$97
Progressive	$587	$99
Central Insurance	$653	$111
Allstate	$946	$158
State Farm	$1097	$185

Cheapest Full Coverage Car Insurance in Lithia Springs

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 Springs is Country Financial at $87 per month and $527 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lithia Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$527	$87
Auto-Owners Insurance Co	$695	$118
Georgia Farm Bureau	$1022	$171
Farm Bureau	$1122	$190
Auto-Owners	$1575	$265
USAA	$1575	$265
Progressive	$1624	$274
Mercury	$1877	$319
Allstate	$1918	$323
Esurance P&C Ins Co	$2019	$343
State Farm	$2387	$402

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Average Car Insurance in Lithia Springs by Rating Factor

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 Springs, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lithia Springs, Georgia, may be increasing due to several external factors. Georgia 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 Springs'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 Springs

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

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Cheapest Car Insurance Rates for Teen Drivers in Lithia Springs,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Lithia Springs at $73 per month. At $8501 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$444	$73
Mercury	$527	$90
Country Financial	$629	$106
Central Insurance	$653	$111
USAA	$2604	$439
Georgia Farm Bureau	$2840	$482
Auto-Owners	$3015	$508
Farm Bureau	$3610	$613
Allstate	$6666	$1111
Progressive	$8501	$1431
State Farm	$8501	$1431

Teen Car Insurance Rates in GA by Age

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 Springs, Country Financial is the cheapest car insurance provider. At $436 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 Springs is Allstate, offering rates of around $3567 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$436	$72
Mercury	$510	$87
Farm Bureau	$1122	$188
Progressive	$2128	$362
USAA	$2270	$378
Auto-Owners	$4137	$704
State Farm	$9130	$1521
Allstate	$3567	$595

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Car Insurance Rates with An Accident in Lithia Springs

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 Springs, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lithia Springs

The cheapest car insurance companies after an at-fault accident in Lithia Springs include AutoOwners Insurance Co and Country Financial, offering $461 and $712, respectively. State Farm is an expensive provider with an average six-month premium of $2923.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$461	$76
Country Financial	$712	$120
Encompass	$787	$131
Central Insurance	$863	$147
Farm Bureau	$1231	$206
Georgia Farm Bureau	$1256	$214
Auto-Owners	$1390	$234
USAA	$1416	$238
Progressive	$2019	$340
Allstate	$2672	$454
State Farm	$2923	$492

Lithia Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lithia Springs GA. For example, the car insurance in Lithia Springs after a DUI increases to $1524 for a six month policy. While the rate increases by $478 for a six-month policy in the case of a speeding ticket.

Lithia Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1792	$299
One Med/PIP claim	$1792	$305
One comp claim	$1801	$300
Two Med/PIP claims	$1801	$306
Not-at-fault accident	$1809	$302
Two comp claims	$1834	$312
Driving without lights	$2162	$360
Failure to wear a seat belt	$2162	$368
Child safety restraint	$2186	$364
Failure to show documents	$2186	$372
Cell phone violation	$2236	$372
Texting while driving	$2236	$381
Driving too slowly	$2270	$378
Speeding 6 - 10 MPH over limit	$2270	$386
Speeding in school zone	$2270	$378
Speeding 11 - 15 MPH over limit	$2279	$388
Driving with expired registration	$2287	$381
Failure to yield	$2287	$389
Following too closely	$2287	$381
Illegal turn	$2287	$389
Failure to stop at a red light	$2295	$382
Improper passing	$2295	$391
Speeding 16 - 20 MPH over limit	$2295	$382
Wrong way/wrong lane	$2295	$391
Speeding 21 - 25 MPH over limit	$2319	$386
Passing school bus	$2362	$402
In 65 MPH zone	$2370	$395
Open container	$2404	$409
At-fault accident - less than $1000	$2413	$402
Operating a vehicle without permission	$2445	$416
At-fault accident - $1000-$2000	$2630	$439
At-fault accident - greater than $2000	$2647	$450
Refusal to submit to a chemical test	$3099	$516
Reckless driving	$3191	$543
Racing	$3267	$544
Driving with a suspended license	$3275	$557
DUI	$3316	$553
Leaving scene of an accident/hit and run	$3401	$578

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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 Springs 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 Springs.

The cheapest car insurance premiums in Lithia Springs are offered by Mercury at $536 for a six-month policy. However, it can be as expensive as $2714 with companies like State Farm.

Lithia Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$536	$92
Auto-Owners Insurance Co	$695	$116
Country Financial	$754	$127
Esurance P&C Ins Co	$1039	$173
Allstate	$1709	$290
Auto-Owners	$1868	$314
Georgia Farm Bureau	$2019	$343
Progressive	$2026	$341
USAA	$2060	$347
Farm Bureau	$2186	$364
State Farm	$2714	$457

Cheapest car insurance after a speeding ticket

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 Springs are offered by AutoOwners Insurance Co at $360. However, it can be as expensive as $2413 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lithia Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$360	$61
Country Financial	$393	$66
Mercury	$561	$93
Farm Bureau	$1231	$209
USAA	$1550	$258
Auto-Owners	$1592	$271
Progressive	$1675	$279
State Farm	$2563	$436
Allstate	$2413	$402

Car Insurance Price Trends in Lithia Springs, Georgia

Car insurance rates in Lithia Springs have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lithia Springs dipped by $302 in January compared to $317 of December. In other words, there has been an decrease by $15 when you compare January and December.

The average cost of liability insurance in the Lithia Springs dipped to $100 in January, compared to $102 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lithia Springs?

The car insurance in Lithia Springs is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Lithia Springs?

The cheapest car insurance in Lithia Springs is $87 per month for full coverage.

How much is car insurance in Lithia Springs for teenagers?

Car insurance for teenagers costs $444 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 Springs?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $250 per month to insure your car in Lithia Springs.

Is car insurance expensive in Lithia Springs?

Car insurance can be expensive in Lithia Springs if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lithia Springs can be affordable.

Cheapest Car Insurance Quotes in Lithia Springs

Why you can trust Way?

How Much Is Car Insurance in Lithia Springs

Avg. Car Insurance in Lithia Springs

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Lithia Springs

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Lithia Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Lithia Springs, GA

Way's key takeaways about car insurance in Lithia Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lithia Springs

Cheapest Liability Coverage in Lithia Springs, GA

Cheapest Full Coverage Car Insurance in Lithia Springs

Cheapest Full Coverage Car Insurance Quotes in Lithia Springs, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lithia Springs by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lithia Springs, GA increasing?

Car Insurance Premiums by Age in Lithia Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lithia Springs,GA

If you are in your twenties N/A is the best choice for car insurance in Lithia Springs.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Lithia Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Lithia Springs

Lithia Springs Car Insurance Rates by Violation

Lithia Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lithia Springs after a DUI

Lithia Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lithia Springs after Speeding ticket

Car Insurance Price Trends in Lithia Springs, Georgia

Average Car Insurance Cost in Lithia Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lithia Springs, GA

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources