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How much is car insurance in Auburn?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Auburn will typically run you about $4 a month more than in the rest of Alabama.
Drivers relocating from out of state may enjoy some cost savings in Auburn. Auto insurance coverage in Auburn is about $24 cheaper than it is for the rest of the U.S.
These may be the average auto insurance rates for Auburn, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've analyzed the average rate for Auburn and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may climb back up a bit in Auburn.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Auburn, although women do pay slightly less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Auburn with one accident will pay around $71 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $75.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$55|
If you look at the first table above, you'll see that cars are typically the cheapest vehicles to insure in Auburn, with drivers paying around $57 per month for insurance coverage.
Truck and van drivers will see rates of about $59 for car insurance coverage, while SUV owners usually pay around $58 a month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Auburn, the most expensive vehicles to insure are vehicles two-to -three years old.
Vehicle age can also affect your monthly bill. Overall, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is more than 5 years old. In Auburn, for example, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally speaking, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Auburn reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$60|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $8 a month more than those who own their own home in Auburn. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Auburn, AL
Recent trends in car insurance for Auburn drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of car insurance coverage in Auburn went up from 2017-2018, before leveling out in 2019. Policy premiums finished up in 2022, at $69 per month
How does Auburn compare to neighboring areas?
Why are car insurance rates in Auburn different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Off-street parking access
- Road safety
- Amount of drivers in the area
- Crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Auburn?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Auburn.
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Auburn Insurance FAQs
What factors affect car insurance quotes in Auburn?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Auburn different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Auburn?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Auburn?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Auburn or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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