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How much is car insurance in Auburn?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Auburn as it does in the rest of Georgia.
Auburn residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $25 more expensive for coverage in Auburn than the average rates seen in 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 assess when determining 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 figuring out your monthly premium.
But don't worry, we've broken down the average rate for Auburn residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Auburn drivers may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Auburn, however, men actually pay a bit less than female drivers to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Auburn with one accident will pay around $126 a month. Similarly, drivers with one ticket will typically pay around $153 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$96|
|15 Years or Older||$95|
In Auburn, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $96 per month for auto insurance coverage.
SUV drivers will see rates of about $108, while the rates for car owners average out to about $109 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Auburn are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
On average, those who have settled down into marriage will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor 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 $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$136|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $2 a month less than those who own their own home in Auburn. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Auburn, GA
Recent trends in car insurance for Auburn drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The cost of car insurance coverage in Auburn increased from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $81 per month
How does Auburn compare to neighboring areas?
Why are car insurance rates in Auburn different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- General road safety (how many accidents each locality has)
- Area crime rates
- Availability of off-street parking
- Number of drivers in the area
- Regional laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Auburn?
While getting familiar with 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.
But wait! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto 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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Auburn different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Auburn?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Auburn?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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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