Table of contents
How much is car insurance in Griffin?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Georgia is about $5 a month more expensive than it is in Griffin.
Conversely, Griffin residents should prepare to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Griffin is about $18 more expensive than the national average.
While these are the average car insurance rates for Griffin, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down average rates for Griffin residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates start to rise again in Griffin.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Griffin, the difference comes out to about $8 a month. As you can see in the chart above, car insurance for women in the area typically costs around $95 each month, while men pay $103 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay much less than those with infractions. In Griffin, a driving record with one accident will usually get you a rate around $131 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $146 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$93|
The cheapest vehicles to insure in Griffin are usually trucks and vans, with each type typically costing about $92 per month.
Car owners will see a monthly premium of about $101, while SUV owners by and large pay around $95 per month.
You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Griffin, for example, are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$104|
On average, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Griffin follows that pattern, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$131|
Another factor taken into consideration is your living accommodations. Drivers who own property in Griffin can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Griffin, GA
Recent trends in car insurance for Griffin drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing your car insurance policy.
The cost of auto insurance in Griffin increased from 2016-2019, before leveling out in 2020. Rates finished up in 2021, at $127 a month
How does Griffin compare to neighboring areas?
Why are car insurance rates in Griffin different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Road safety
- Regional regulations
- Number of drivers in the community
- Access to off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Griffin?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Griffin in no time.
Griffin Insurance FAQs
What factors affect car insurance quotes in Griffin?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Griffin different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Griffin?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Griffin?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Griffin or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?