Cheapest Car Insurance Quotes in Lithonia

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Lithonia Car Insurance

^$ 63

/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 Lithonia

The car insurance rate in Lithonia is $1790 for a six-month policy, which is $737 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $636, making it a popular choice for budget-conscious drivers. Rates in Lithonia 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 Lithonia

$1790

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Lithonia

1st place: Country Financial

At $636 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 $838 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 $1233 for six months, making it the third cheapest auto insurance company in Lithonia.

Lithonia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lithonia, GA is Country Financial, offering policies at just $636 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $838.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2878 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lithonia drivers find the best deals.

Cheap Car Insurance Companies in Lithonia, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$636	$105
Auto-Owners Insurance Co	$838	$143
Georgia Farm Bureau	$1233	$206
Farm Bureau	$1353	$230
Auto-Owners	$1899	$320
USAA	$1899	$320
Progressive	$1958	$330
Mercury	$2263	$384
Allstate	$2312	$389
Esurance P&C Ins Co	$2434	$413
State Farm	$2878	$485

Key Takeaways

Way's key takeaways about car insurance in Lithonia

The auto insurance costs in Lithonia fall around $636 for six months.
The cheapest auto insurance company in Lithonia is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Lithonia at $1726 per month.

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Cheapest Minimum Liability Car Insurance in Lithonia

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 Lithonia are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Lithonia. Their Average 6 Month Premium is $374. State Farm is the most expensive at $1323 for the same period.

Cheapest Liability Coverage in Lithonia, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$374	$63
Georgia Farm Bureau	$505	$85
Farm Bureau	$556	$95
Mercury	$605	$102
Auto-Owners	$626	$105
Country Financial	$646	$109
USAA	$697	$117
Progressive	$707	$119
Central Insurance	$787	$134
Allstate	$1141	$190
State Farm	$1323	$223

Cheapest Full Coverage Car Insurance in Lithonia

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 Lithonia is Country Financial at $105 per month and $636 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lithonia, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$636	$105
Auto-Owners Insurance Co	$838	$143
Georgia Farm Bureau	$1233	$206
Farm Bureau	$1353	$230
Auto-Owners	$1899	$320
USAA	$1899	$320
Progressive	$1958	$330
Mercury	$2263	$384
Allstate	$2312	$389
Esurance P&C Ins Co	$2434	$413
State Farm	$2878	$485

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Average Car Insurance in Lithonia 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 Lithonia, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lithonia, 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, Lithonia's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lithonia

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 Lithonia,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 Lithonia at $88 per month. At $10249 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	$536	$88
Mercury	$636	$109
Country Financial	$758	$128
Central Insurance	$787	$134
USAA	$3140	$529
Georgia Farm Bureau	$3424	$581
Auto-Owners	$3635	$612
Farm Bureau	$4352	$740
Allstate	$8038	$1340
Progressive	$10249	$1726
State Farm	$10249	$1726

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 Lithonia, Country Financial is the cheapest car insurance provider. At $525 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 Lithonia is Allstate, offering rates of around $4301 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$525	$87
Mercury	$615	$105
Farm Bureau	$1353	$226
Progressive	$2565	$437
USAA	$2737	$456
Auto-Owners	$4988	$848
State Farm	$11008	$1834
Allstate	$4301	$717

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Car Insurance Rates with An Accident in Lithonia

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lithonia

The cheapest car insurance companies after an at-fault accident in Lithonia include AutoOwners Insurance Co and Country Financial, offering $556 and $859, respectively. State Farm is an expensive provider with an average six-month premium of $3524.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$556	$92
Country Financial	$859	$145
Encompass	$949	$158
Central Insurance	$1040	$177
Farm Bureau	$1484	$248
Georgia Farm Bureau	$1515	$258
Auto-Owners	$1676	$282
USAA	$1707	$287
Progressive	$2434	$410
Allstate	$3222	$547
State Farm	$3524	$593

Lithonia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lithonia GA. For example, the car insurance in Lithonia after a DUI increases to $1837 for a six month policy. While the rate increases by $576 for a six-month policy in the case of a speeding ticket.

Lithonia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2161	$360
One Med/PIP claim	$2161	$367
One comp claim	$2171	$362
Two Med/PIP claims	$2171	$369
Not-at-fault accident	$2181	$364
Two comp claims	$2212	$376
Driving without lights	$2606	$434
Failure to wear a seat belt	$2606	$444
Child safety restraint	$2635	$439
Failure to show documents	$2635	$449
Cell phone violation	$2696	$449
Texting while driving	$2696	$459
Driving too slowly	$2737	$456
Speeding 6 - 10 MPH over limit	$2737	$466
Speeding in school zone	$2737	$456
Speeding 11 - 15 MPH over limit	$2747	$468
Driving with expired registration	$2757	$459
Failure to yield	$2757	$469
Following too closely	$2757	$459
Illegal turn	$2757	$469
Failure to stop at a red light	$2768	$461
Improper passing	$2768	$471
Speeding 16 - 20 MPH over limit	$2768	$461
Wrong way/wrong lane	$2768	$471
Speeding 21 - 25 MPH over limit	$2797	$466
Passing school bus	$2848	$485
In 65 MPH zone	$2858	$476
Open container	$2899	$493
At-fault accident - less than $1000	$2909	$485
Operating a vehicle without permission	$2948	$502
At-fault accident - $1000-$2000	$3171	$529
At-fault accident - greater than $2000	$3191	$542
Refusal to submit to a chemical test	$3737	$622
Reckless driving	$3847	$655
Racing	$3939	$656
Driving with a suspended license	$3949	$672
DUI	$3998	$666
Leaving scene of an accident/hit and run	$4100	$697

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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 Lithonia 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 Lithonia.

The cheapest car insurance premiums in Lithonia are offered by Mercury at $646 for a six-month policy. However, it can be as expensive as $3273 with companies like State Farm.

Lithonia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$646	$111
Auto-Owners Insurance Co	$838	$139
Country Financial	$910	$153
Esurance P&C Ins Co	$1253	$209
Allstate	$2060	$350
Auto-Owners	$2253	$379
Georgia Farm Bureau	$2434	$413
Progressive	$2443	$411
USAA	$2484	$418
Farm Bureau	$2635	$439
State Farm	$3273	$551

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 Lithonia are offered by AutoOwners Insurance Co at $434. However, it can be as expensive as $2909 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lithonia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$434	$73
Country Financial	$474	$80
Mercury	$677	$112
Farm Bureau	$1484	$252
USAA	$1868	$311
Auto-Owners	$1919	$326
Progressive	$2020	$337
State Farm	$3091	$525
Allstate	$2909	$485

Car Insurance Price Trends in Lithonia, Georgia

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

The average cost of full coverage in the Lithonia dipped by $364 in January compared to $383 of December. In other words, there has been an decrease by $19 when you compare January and December.

The average cost of liability insurance in the Lithonia dipped to $121 in January, compared to $122 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lithonia?

The car insurance in Lithonia is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Lithonia?

The cheapest car insurance in Lithonia is $105 per month for full coverage.

How much is car insurance in Lithonia for teenagers?

Car insurance for teenagers costs $536 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 Lithonia?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $301 per month to insure your car in Lithonia.

Is car insurance expensive in Lithonia?

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

Cheapest Car Insurance Quotes in Lithonia

Why you can trust Way?

How Much Is Car Insurance in Lithonia

Avg. Car Insurance in Lithonia

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Lithonia

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Lithonia Car Insurance Rates by Company

Cheap Car Insurance Companies in Lithonia, GA

Way's key takeaways about car insurance in Lithonia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lithonia

Cheapest Liability Coverage in Lithonia, GA

Cheapest Full Coverage Car Insurance in Lithonia

Cheapest Full Coverage Car Insurance Quotes in Lithonia, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lithonia by Rating Factor

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

Car Insurance Premiums by Age in Lithonia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lithonia,GA

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

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 Lithonia

Cheapest Car Insurance Companies after an At-Fault Accident in Lithonia

Lithonia Car Insurance Rates by Violation

Lithonia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lithonia after a DUI

Lithonia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lithonia after Speeding ticket

Car Insurance Price Trends in Lithonia, Georgia

Average Car Insurance Cost in Lithonia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lithonia, GA

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

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