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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 $5 a month more than in the rest of Alabama.
Compared to the rest of the country, auto insurance in Auburn is more affordable. The average monthly payment in Auburn is about $22 less than the rate for the rest of the United States.
While these numbers represent the average monthly payments for coverage in Auburn, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Auburn residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay almost twice as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may begin to creep back up a bit.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Auburn, the difference comes out to about $4 per month. Based on the chart above, you can see that male drivers pay $59 on average, while female drivers typically pay $55 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Auburn with one accident will pay around $71 a month. In addition, drivers with a single ticket on their record can expect to pay around $93 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$73|
|15 Years or Older||$56|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Auburn.
Monthly premiums for SUV owners cost about $59 on average, while the rates for car owners are around $57.
Truck and van drivers in Auburn can expect to pay about $56 per month for coverage.
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)||$60|
This usually boils down to about a $12 a month difference for drivers in Auburn.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$56|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $9 a month more than homeowners in Auburn. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Auburn, AL
Recent trends in car insurance for Auburn drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Auburn, the rates for car insurance had been increasing from 2016-2018, before steadying out in 2019. Policy premiums finished down in 2021, at $50 a 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 a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Prevalence of crime
- Community regulations
- Amount of off-street parking
- Amount of drivers in the region
- Road safety
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Auburn?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Auburn.
Auburn Insurance FAQs
What factors affect car insurance quotes in Auburn?
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 gender and age, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Auburn different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Auburn or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.