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How much is car insurance in Auburn?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Auburn is about $102 a month cheaper than it is for the rest of New York.
Conversely, residents of Auburn might expect to pay higher rates for coverage than the rest of the country. It's around $16 more expensive to insure your vehicle in Auburn compared to the average rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Auburn, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't worry, we've done the work for you and broken down average rates for Auburn to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Auburn may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Auburn defies this trend. Female drivers typically pay around $16 more a month for auto insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Auburn, a driving record with one accident will usually get you a rate around $74 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $110.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$127|
|15 Years or Older||$118|
The most affordable vehicles to insure in Auburn are usually trucks and vans, which run about $72 per month.
Car owners, on the other hand, by and large pay around $107 per month, while SUV drivers can expect to pay about $76 a month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Auburn are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
More often than not, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Auburn as well, where the difference is around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $33 a month more than homeowners in Auburn. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Auburn, NY
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 when choosing your car insurance policy.
Car insurance rates in Auburn had been decreasing from 2016-2017, before leveling out in 2019. They finished down in 2021, at $66 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 an insurance policy, car insurance companies will evaluate several factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Off-street parking accessibility
- Road Safety (frequency of local car accidents)
- Local laws
- Total amount of drivers in the area
- Crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing 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.
Good news! Compare.com does all of that work for you. Just type 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 dozens of car insurance companies providing coverage in Auburn.
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Auburn Insurance FAQs
What factors affect car insurance quotes in Auburn?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Auburn different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Auburn or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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