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How much is car insurance in Auburn?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Auburn is about $99 cheaper than it is in the rest of New York.
Drivers relocating the Auburn should take note of the differences in average rates. It's around $19 more expensive to insure your vehicle in Auburn compared to the average rate for the rest of the U.S.
While these are the average car insurance rates for Auburn, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, 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 your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates start to rise again in Auburn.
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 $14 more a month for auto insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Auburn with a single accident on their record is about $74 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$127|
|15 Years or Older||$123|
The most affordable vehicles to insure in Auburn are usually trucks and vans, which run about $72 per month.
Car owners can expect to pay an average of around $108 a month for their policy, while SUVs usually cost around $80 a month to insure.
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, your rates may start to decrease if your car is close to 5 years old. In Auburn, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Auburn is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $36 a month more than if you own your own home in Auburn. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Auburn, NY
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 choosing an insurance policy.
The cost of car insurance coverage in Auburn declined from 2016-2017, before leveling out in 2019. Car insurance rates finished down in 2021, at $69 per month
How does Auburn compare to neighboring areas?
Why are car insurance rates in Auburn different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for coverage. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Community laws
- Availability of off-street parking
- Number of car accidents
- Prevalence of crime
- Amount of drivers in the region
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Auburn?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Auburn.
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 like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Auburn different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
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.