Cheapest Auto Insurance in Auburn, Alabama (2026)

The overall average monthly cost of car insurance in Auburn, AL, is $92 — on par with the state average of $101 and below the national average of $140 per month. Though it’s growing quickly, Alabama still has a moderate population density when compared to other states. And Auburn has a relatively low property crime rate, which could also contribute to its lower car insurance costs.

Here’s what you need to know about comparing quotes and finding cheap coverage in Auburn.

3 of the cheapest car insurance companies in Auburn

The best car insurance company for you will depend on your situation and needs, and the costs will vary depending on factors like your age, gender, and driving history. That’s why it’s important to shop around and compare auto insurance quotes from multiple companies.

You may want to work with an independent agent to find the best auto policy for you. Here’s a look at three of the cheapest car insurance companies in Auburn; rates shown in the table are Alabama rates.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
USAA	9.1	$98	$48	Veterans
State Farm	9.3	$99	$48	Teen drivers
Auto-Owners	8.2	$99	$48	Drivers with an accident

Disclaimer: Table data sourced from real-time Auburn car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Auburn may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for veterans: USAA

veterans

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User Reviews	4.9 3,372 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$44/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$89/mo

Details

Driver Reviews

4.9

Best choiceBased on 3,372 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

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Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing 5 Alabama reviews for Auburn driversSee all 1,523 USAA reviews

Lee

Verified Review

Highly Recommended

Reviewed in Alabama on March 20, 2026

Great! And the rate is better than any other has offered.

James

Verified Review

So far, the response to my current claim has been very good, much better than the last claim. We will see how it goes.

Reviewed in Alabama on November 11, 2025

So far, the response to my current claim has been very good, much better than the last claim. We will see how it goes.

Dennis

Verified Review

USAA Rate Concerns

Reviewed in Alabama on November 8, 2025

USAA constantly doubles rates for no reason. I feel they are a scam. I just got a quote for greater coverage for 1/3 the cost from a major carrier.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

759

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

The 2,500 veterans living in Auburn can benefit by choosing USAA for car insurance.^[1] You could earn a 15% discount when you garage your car on base, and you could earn a 10% legacy discount if your parents were also USAA members.

USAA provides all the basic coverage options you need, including comprehensive, collision, liability, and personal injury protection. And the company is known for providing good customer service — you can contact USAA by phone or email and a licensed representative will answer your questions.

Pros

• Can save up to 30% with the SafePilot program

• Also offers a savings account, business insurance, and other financial services

Cons

• Membership is only available to military members, veterans, and their families

• Limited branch locations

Best insurer for teen drivers: State Farm

teen drivers

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User Reviews	4.0 16,832 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$44/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$90/mo

Details

Driver Reviews

4.0

Best choiceBased on 16,832 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

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Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 43 Alabama reviews for Auburn driversSee all 7,351 State Farm reviews

David

Verified Review

No complaints from this corner

Reviewed in Alabama on April 6, 2026

No problems - multiple vehicles covered, decades-long customers.

Gerald

Verified Review

Okay

Reviewed in Alabama on March 17, 2026

Too expensive.

Carolyn

Verified Review

First time I called for roadside, Jessica took me off driving discount

Reviewed in Alabama on March 17, 2026

I've been with them for almost a year. I'm not getting my driving discount for being a good driver. They are overcharging for coverage on my 2014 Chevy Impala.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

673

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Nearly 19% of Auburn’s population is younger than 18, and it can be difficult for this age group to find affordable car insurance.^[1] State Farm is the best option for young drivers thanks to its Steer Clear program and the variety of discounts it offers teens.

You could qualify for a 20% discount on car insurance coverage if you’re younger than 25 and haven’t had any at-fault accidents over the last three years. Teen drivers can also earn a discount by maintaining good grades in school and taking a defensive driving course.

Pros

• A++ (Superior) financial strength rating from AM Best

• Offers some of the lowest rates for teens and young drivers

Cons

• Doesn’t offer gap insurance

• Must purchase your policy from an insurance agent

Best insurer for drivers with an accident: Auto-Owners

drivers with an accident

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User Reviews	4.3 326 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$44/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$90/mo

Details

Driver Reviews

4.3

Best choiceBased on 326 verified driver reviews and ratings

	Auto-Owners's score	Industry average
Coverage options	4.0	3.2
Customer service	3.5	3.6
Discounts	3.6	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

---

Best For

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviewsSee all 149 Auto-Owners reviews

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

Norberto

Verified Review

Excellent

Reviewed in Florida on March 21, 2026

Definitely not the cheapest insurance you can buy.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

650

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Auburn has a higher rate of at-fault accidents than other cities — 16% of drivers have a previous at-fault accident on their record. Auto-Owners is one of the best options for drivers after an accident.

The company offers at-fault accident forgiveness, collision coverage advantage, and a rental car benefit. Auto-Owners also offers gap insurance and diminished value coverage, which is helpful for anyone with a more expensive vehicle.

Pros

• Offers accident forgiveness

• Good option for new-car owners

Cons

• Doesn’t offer usage-based insurance

• Company website has more limited information than some other insurers

How to get the cheapest car insurance in Auburn

Your driving history is the biggest factor determining how much you pay for car insurance. But insurance companies also consider factors like your credit history, age, and ZIP code.

Here are five ways to get cheap car insurance in Auburn:^[2]

• Take advantage of discounts. Most insurers offer discounts to help lower the cost of car insurance. For example, you could earn a discount by bundling your auto insurance, home insurance, life insurance, and renters insurance. You could also receive a discount for insuring multiple vehicles, completing a defensive driving course, or keeping your mileage low.

• Increase your deductible. When you file an insurance claim, you’ll pay an out-of-pocket deductible before your coverage kicks in. Choosing a higher deductible will lower your monthly premiums since you’re sharing the risk with your insurer. Just make sure you can comfortably afford to pay the deductible amount you choose.

• Choose a safer vehicle. Many insurance companies offer a discount for choosing a vehicle with certain safety features, like anti-theft devices, anti-lock brakes, or airbags.

• Reduce coverage on older vehicles. If you drive a vehicle that’s more than 10 years old and paid in full, you can save money by reducing your coverage to liability insurance. But it’s a good idea to speak with a licensed insurance agent before making these kinds of policy changes.

• Shop around. Most insurance companies consider the same factors when evaluating you for auto insurance, but each one does it in a slightly different way. Comparing auto insurance quotes from multiple insurers will help you find the best rates and terms on your insurance.

Find Cheap Car Insurance in Auburn, Alabama

Liability rates start at $41 per month

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Cheapest liability-only car insurance in Auburn: National General

Liability insurance pays for medical costs and damages to the other driver’s vehicle following an accident you caused. But you’re responsible for paying for your own medical bills and car repairs.

Liability-only car insurance in Auburn costs $65 per month, on average. The following table outlines the cheapest options for Auburn drivers.

The below rates in Auburn, AL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
National General	$41
Auto-Owners	$44
State Farm	$44
USAA	$44
Allstate	$47
COUNTRY Financial	$48
Progressive	$50
Direct Auto	$51
Travelers	$59
First Acceptance	$60
The General	$60
AssuranceAmerica	$61
Trexis	$63
GEICO	$65
Bristol West	$70
Nationwide	$74
GAINSCO	$76
Farmers	$80
Safeco	$87
Dairyland	$97
Root	$97
Liberty Mutual	$130
Liberty Mutual	$130

Disclaimer: Table data sourced from real-time Auburn car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Auburn may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Auburn: USAA

Full-coverage car insurance includes comprehensive, collision, and liability coverage, and it provides the most protection for drivers. This coverage covers the cost to repair or replace your vehicle following an accident, regardless of who’s at fault.

In Auburn, full-coverage car insurance costs an average of $120 per month. The following insurers offer the cheapest full-coverage car insurance rates in Auburn.

The below rates in Auburn, AL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$89
Auto-Owners	$90
National General	$90
State Farm	$90
Allstate	$97
COUNTRY Financial	$99
Direct Auto	$103
Progressive	$111
Travelers	$123
AssuranceAmerica	$129
GEICO	$134
The General	$134
Root	$149
Safeco	$152
Nationwide	$153
Trexis	$153
Farmers	$166
First Acceptance	$168
Bristol West	$169
GAINSCO	$190
Liberty Mutual	$196
Liberty Mutual	$196
Dairyland	$244

Disclaimer: Table data sourced from real-time Auburn car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Auburn may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Alabama

Driving without car insurance is a misdemeanor under Alabama car insurance laws, and the first offense can result in a $500 fine. Subsequent offenses could result in a $1,000 fine and losing your license for up to six months.^[3]

You can avoid these penalties by meeting the following minimum insurance requirements:^[4]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident

You can also choose a combined single limit of $75,000 per accident. But these insurance requirements are fairly low and won’t be enough coverage for most people. You may want to consider the following additional coverage options:

Comprehensive coverage

Comprehensive insurance pays for non-collision damages, like a fire, flood, theft, vandalism, or riot.



Collision coverage

Collision insurance pays to repair or replace your vehicle following an accident with another car or object.



Uninsured/underinsured motorist coverage

Uninsured/underinsured motorist coverage protects you if a driver with no coverage or insufficient auto insurance coverage hits you.



Medical payments (MedPay) coverage

MedPay coverage pays for your medical bills resulting from a car accident.



Gap coverage

If your car is totaled in an accident, gap insurance pays the difference between what the vehicle is worth and what you still owe on the auto loan.

Cheapest car insurance for drivers with an incident

Drivers with a history of speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations pay more for car insurance. The more driving incidents you have on your record, the more likely you are to file a claim in the future.

To compensate for this risk, insurers raise your monthly premiums. Here’s what you might pay for minimum coverage auto insurance in Auburn based on your driving record.

The below rates in Auburn, AL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
State Farm	$44	$58	$59	$63
USAA	$44	$59	$60	$63
Auto-Owners	$44	$59	$59	$63
Allstate	$47	$63	$64	$68
Direct Auto	$51	$66	$71	$74
Progressive	$50	$66	$68	$72
COUNTRY Financial	$48	$67	$67	$68
Travelers	$59	$79	$81	$85
First Acceptance	$60	$80	$82	$87
AssuranceAmerica	$61	$80	$82	$88
The General	$60	$83	$84	$84
Trexis	$63	$84	$86	$91
GEICO	$65	$87	$87	$93
Bristol West	$70	$91	$94	$101
GAINSCO	$76	$94	$99	$110
Nationwide	$74	$99	$101	$107
Farmers	$80	$106	$109	$115
Safeco	$87	$118	$123	$133
Dairyland	$97	$124	$130	$140
Root	$97	$133	$132	$141
Liberty Mutual	$130	$170	$175	$188
Liberty Mutual	$130	$170	$175	$188

Disclaimer: Table data sourced from real-time Auburn car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Auburn may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Teen drivers ages 16 to 19 are at a higher risk of motor vehicle crashes than any other age group, so they pay the highest rates for car insurance. They also have a fatal crash rate that’s nearly three times as high as drivers older than 20.^[5]

As drivers age and get more experience behind the wheel, they’ll begin to see their car insurance rates drop. Rates decrease significantly around age 35, but they start to increase slightly for senior drivers around age 70.

Here’s what Auburn drivers pay for car insurance, on average, by age group.

Age	Average Monthly Quote
Teens	$306
20s	$204
30s	$153
40s	$143
50s	$127
60s	$116
70s	$124

Disclaimer: Table data is based on real-time Auburn quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Auburn car insurance quotes by credit tier

Alabama allows insurance companies to use your credit-based insurance score when determining your premiums.^[6] That’s because drivers with poor credit are statistically more likely to file an insurance claim than drivers with good credit history.

The chart below shows average monthly quotes in Auburn by credit tier:

Auburn car insurance FAQs