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How much is car insurance in Auburn?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Auburn are about the same as the rest of Georgia.
Likewise, Auburn residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment in Auburn is about $26 more expensive than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Auburn, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've broken down the average rates for Auburn to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Auburn Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $89 more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may creep back up a bit in Auburn.
Auburn Car Insurance Rates by Gender
Despite the national trend of women paying less than men for car insurance coverage, in Auburn men actually pay $103 per month for coverage while women pay $108.
Auburn Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Auburn with a single accident will pay around $126 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $154.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Auburn Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$96|
|15 Years or Older||$96|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Auburn, with drivers paying around $94 per month for auto insurance coverage.
SUV drivers will see rates of about $105 to insure their car, while car owners by and large pay around $109 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Auburn, vehicles eight-to-ten years old are the most expensive to insure.
Auburn Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$113|
More often than not, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Auburn can be as much as $21 a month, so it's worth keeping that in mind.
Auburn Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$136|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 less than homeowners in Auburn. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Auburn, GA
Recent trends in car insurance for Auburn drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of car insurance coverage in Auburn went up from 2017-2019, before steadying out in 2020. Policy premiums finished down in 2022, at $90 a month
How does Auburn compare to neighboring areas?
Why are car insurance rates in Auburn different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Crime rates
- Area regulations
- Access to off-street parking
- General road safety (how many accidents each locality has)
- Total number of drivers in the community
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Auburn.
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Auburn Auto 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 gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, 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 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 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 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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