Car insurance in Griffin for an adult with a clean driving record and good insurance score costs $1,219 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Griffin by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Griffin.

Key Highlights
  • Car insurance in Griffin is almost same as car insurance in Indiana for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Griffin is $1,219 per year or $102 per month.
  • In Griffin, Geico offers the cheapest full coverage car insurance at $55 per month.

What is the average cost of car insurance in Griffin, IN?

The average auto insurance rates in Griffin, IN at various coverage levels are listed below:

  • State minimum: $350 per year
  • Liability-only coverage (50/100/50): $406 per year
  • Full coverage (100/300/100): $1,219 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Geico$177$210$664
USAA$218$255$827
State Farm$284$337$1,034
Nationwide$422$459$1,038
Travelers$366$409$1,064
Auto-Owners$244$304$1,132
American Family$390$473$1,304
Farmers$439$533$1,390
Progressive$339$392$1,668
Allstate$620$689$2,065

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Griffin, IN?

Out of all the carriers available in Griffin, Geico offers the cheapest full coverage car insurance at $55 per month.

The second-cheapest car insurance company in Griffin is USAA, offering car insurance at $69 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Geico$55
USAA$69
State Farm$86
Nationwide$87
Travelers$89
Auto-Owners$94
American Family$109
Farmers$116
Progressive$139
Allstate$172

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Griffin, IN?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Indiana is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Griffin, IN

See the average annual premium for drivers with two speeding tickets on their records in Griffin, IN in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
USAA$97
State Farm$100
Geico$127
Nationwide$136
Travelers$144
American Family$161
Auto-Owners$193
Farmers$194
Allstate$234
Progressive$271

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Griffin, IN

See the average annual premium for a driver convicted of DUI in Griffin, IN in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
USAA$102
State Farm$106
Geico$125
Travelers$140
American Family$147
Farmers$178
Progressive$180
Nationwide$181
Allstate$225
Auto-Owners$227

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Griffin, IN

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Griffin, IN, by age

Age is a key factor when considering car insurance rates in most cities, including Griffin – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$183
16American Family$591
16Auto-Owners$366
16Geico$363
16Farmers$708
16Nationwide$416
16Progressive$686
16State Farm$345
16Travelers$457
16USAA$320
17Allstate$183
17American Family$400
17Auto-Owners$257
17Geico$201
17Farmers$561
17Nationwide$400
17Progressive$496
17State Farm$304
17Travelers$376
17USAA$198
18Allstate$173
18American Family$313
18Auto-Owners$229
18Geico$172
18Farmers$461
18Nationwide$345
18Progressive$460
18State Farm$267
18Travelers$273
18USAA$158
19Allstate$173
19American Family$256
19Auto-Owners$202
19Geico$127
19Farmers$289
19Nationwide$297
19Progressive$360
19State Farm$235
19Travelers$218
19USAA$135
20Allstate$173
20American Family$216
20Auto-Owners$184
20Geico$116
20Farmers$267
20Nationwide$248
20Progressive$331
20State Farm$206
20Travelers$187
20USAA$123
21Allstate$162
21American Family$189
21Auto-Owners$162
21Geico$95
21Farmers$214
21Nationwide$160
21Progressive$285
21State Farm$175
21Travelers$160
21USAA$115
22Allstate$162
22American Family$169
22Auto-Owners$145
22Geico$77
22Farmers$203
22Nationwide$142
22Progressive$252
22State Farm$157
22Travelers$144
22USAA$108
23Allstate$162
23American Family$153
23Auto-Owners$131
23Geico$72
23Farmers$186
23Nationwide$133
23Progressive$232
23State Farm$139
23Travelers$131
23USAA$102
24Allstate$162
24American Family$140
24Auto-Owners$121
24Geico$68
24Farmers$180
24Nationwide$127
24Progressive$212
24State Farm$127
24Travelers$121
24USAA$97
25Allstate$172
25American Family$127
25Auto-Owners$130
25Geico$65
25Farmers$136
25Nationwide$108
25Progressive$176
25State Farm$112
25Travelers$105
25USAA$90
30Allstate$172
30American Family$121
30Auto-Owners$95
30Geico$60
30Farmers$126
30Nationwide$94
30Progressive$154
30State Farm$89
30Travelers$101
30USAA$78
35Allstate$172
35American Family$114
35Auto-Owners$95
35Geico$57
35Farmers$119
35Nationwide$91
35Progressive$146
35State Farm$87
35Travelers$98
35USAA$71
40Allstate$172
40American Family$109
40Auto-Owners$94
40Geico$55
40Farmers$116
40Nationwide$87
40Progressive$139
40State Farm$86
40Travelers$89
40USAA$69
45Allstate$172
45American Family$104
45Auto-Owners$91
45Geico$54
45Farmers$108
45Nationwide$83
45Progressive$139
45State Farm$86
45Travelers$88
45USAA$67
50Allstate$172
50American Family$101
50Auto-Owners$88
50Geico$53
50Farmers$105
50Nationwide$80
50Progressive$131
50State Farm$84
50Travelers$87
50USAA$63
55Allstate$172
55American Family$100
55Auto-Owners$86
55Geico$51
55Farmers$99
55Nationwide$78
55Progressive$130
55State Farm$81
55Travelers$79
55USAA$63
60Allstate$172
60American Family$100
60Auto-Owners$85
60Geico$49
60Farmers$98
60Nationwide$77
60Progressive$130
60State Farm$79
60Travelers$80
60USAA$62
65Allstate$172
65American Family$103
65Auto-Owners$90
65Geico$48
65Farmers$107
65Nationwide$78
65Progressive$134
65State Farm$78
65Travelers$85
65USAA$65
70Allstate$172
70American Family$109
70Auto-Owners$98
70Geico$50
70Farmers$121
70Nationwide$82
70Progressive$146
70State Farm$82
70Travelers$92
70USAA$74
75Allstate$172
75American Family$120
75Auto-Owners$108
75Geico$53
75Farmers$137
75Nationwide$92
75Progressive$181
75State Farm$89
75Travelers$104
75USAA$90

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Griffin, IN, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Geico$84
Nationwide$108
USAA$130
Travelers$153
American Family$166
Auto-Owners$175
Farmers$187
State Farm$214
Progressive$235
Allstate$242

Final thoughts: Car insurance cost in Griffin, IN

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Griffin, IN. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Griffin, Indiana.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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