Cheapest Car Insurance Quotes in Lithia Springs

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Lithia Springs Car Insurance

^$ 49

/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 $1354 for a six-month policy, which is $328 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $494, 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

$1354

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Lithia Springs

1st place: Country Financial

At $494 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 $651 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $870 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 $494 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $651.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1897 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	$494	$84
Auto-Owners Insurance Co	$651	$108
Farm Bureau	$870	$148
Georgia Farm Bureau	$957	$160
Auto-Owners	$1395	$235
USAA	$1443	$243
Progressive	$1701	$286
Mercury	$1757	$293
Allstate	$1851	$312
Esurance P&C Ins Co	$1890	$315
State Farm	$1897	$319

Key Takeaways

Way's key takeaways about car insurance in Lithia Springs

The auto insurance costs in Lithia Springs fall around $494 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 $1624 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 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 $290. Allstate is the most expensive at $995 for the same period.

Cheapest Liability Coverage in Lithia Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$290	$49
Farm Bureau	$368	$62
Georgia Farm Bureau	$392	$66
Auto-Owners	$470	$79
Mercury	$470	$79
Country Financial	$502	$84
USAA	$525	$88
Progressive	$581	$98
Central Insurance	$611	$102
State Farm	$902	$152
Allstate	$995	$168

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 $84 per month and $494 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lithia Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$494	$84
Auto-Owners Insurance Co	$651	$108
Farm Bureau	$870	$148
Georgia Farm Bureau	$957	$160
Auto-Owners	$1395	$235
USAA	$1443	$243
Progressive	$1701	$286
Mercury	$1757	$293
Allstate	$1851	$312
Esurance P&C Ins Co	$1890	$315
State Farm	$1897	$319

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$937
30s	Georgia Farm Bureau	$750
40s	Georgia Farm Bureau	$719
50s	Georgia Farm Bureau	$689
60s	Georgia Farm Bureau	$684
70s	Georgia Farm Bureau	$828

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 $69 per month. At $9644 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$416	$69
Mercury	$494	$84
Country Financial	$589	$99
Central Insurance	$611	$104
USAA	$2321	$391
Auto-Owners	$2549	$429
Georgia Farm Bureau	$2658	$444
Farm Bureau	$2776	$473
State Farm	$6876	$1158
Allstate	$6915	$1164
Progressive	$9644	$1624

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Lithia Springs.

As young drivers face the highest rates in Lithia Springs, Georgia Farm Bureau offers the cheapest auto insurance rates at $937 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 Springs, Country Financial is the cheapest car insurance provider. At $408 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 State Farm, offering rates of around $5920 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$408	$67
Mercury	$478	$82
Farm Bureau	$870	$145
USAA	$1890	$321
Progressive	$2917	$486
Auto-Owners	$3066	$521
Allstate	$3340	$557
State Farm	$5920	$1007

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Save up to $971/yr on car insurance rates in Lithia Springs.

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 $432 and $667, respectively. Allstate is an expensive provider with an average six-month premium of $2838.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$432	$71
Country Financial	$667	$112
Encompass	$737	$123
Central Insurance	$808	$137
Farm Bureau	$957	$160
Georgia Farm Bureau	$1176	$201
Auto-Owners	$1192	$201
USAA	$1278	$215
Progressive	$2360	$397
State Farm	$2392	$403
Allstate	$2838	$478

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 $1427 for a six month policy. While the rate increases by $447 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	$1678	$280
One Med/PIP claim	$1678	$285
One comp claim	$1686	$281
Two Med/PIP claims	$1686	$286
Not-at-fault accident	$1694	$282
Two comp claims	$1717	$292
Driving without lights	$2024	$337
Failure to wear a seat belt	$2024	$345
Child safety restraint	$2046	$341
Failure to show documents	$2046	$348
Cell phone violation	$2094	$348
Texting while driving	$2094	$356
Driving too slowly	$2125	$354
Speeding 6 - 10 MPH over limit	$2125	$362
Speeding in school zone	$2125	$354
Speeding 11 - 15 MPH over limit	$2133	$363
Driving with expired registration	$2141	$356
Failure to yield	$2141	$364
Following too closely	$2141	$356
Illegal turn	$2141	$364
Failure to stop at a red light	$2149	$358
Improper passing	$2149	$366
Speeding 16 - 20 MPH over limit	$2149	$358
Wrong way/wrong lane	$2149	$366
Speeding 21 - 25 MPH over limit	$2171	$362
Passing school bus	$2211	$376
In 65 MPH zone	$2219	$370
Open container	$2251	$383
At-fault accident - less than $1000	$2259	$376
Operating a vehicle without permission	$2289	$389
At-fault accident - $1000-$2000	$2462	$411
At-fault accident - greater than $2000	$2478	$421
Refusal to submit to a chemical test	$2901	$483
Reckless driving	$2987	$508
Racing	$3058	$510
Driving with a suspended license	$3066	$521
DUI	$3105	$517
Leaving scene of an accident/hit and run	$3184	$541

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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 $502 for a six-month policy. However, it can be as expensive as $2259 with companies like Progressive.

Lithia Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$502	$86
Auto-Owners Insurance Co	$651	$108
Country Financial	$706	$119
Esurance P&C Ins Co	$973	$162
Auto-Owners	$1552	$261
Farm Bureau	$1686	$281
USAA	$1827	$308
Georgia Farm Bureau	$1890	$315
State Farm	$2046	$345
Allstate	$2163	$364
Progressive	$2259	$380

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 $337. However, it can be as expensive as $2563 with companies like Progressive 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	$337	$57
Country Financial	$368	$62
Mercury	$525	$90
Farm Bureau	$957	$160
Auto-Owners	$1168	$198
USAA	$1270	$211
State Farm	$1662	$282
Allstate	$2259	$376
Progressive	$2563	$436

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 rose by $297 in December compared to $292 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Lithia Springs rose to $95 in December, compared to $90 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lithia Springs?

The car insurance in Lithia Springs is $49 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 $84 per month for full coverage.

How much is car insurance in Lithia Springs for teenagers?

Car insurance for teenagers costs $416 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 $1026 for a six-month policy. It will cost around $227 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: 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 Georgia Farm Bureau 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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