Cheap Auto Insurance Quotes in Auburn, AL (January 2022)

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Last Updated: January 2022

Car Insurance in Auburn, AL

Alabama car insurance laws require all Auburn drivers to carry the minimum required liability insurance. To drive legally, you need to carry both bodily injury liability and property damage liability insurance coverage. If you are financing your vehicle, your lending institution may require you to carry more coverage than just the minimum required by the state.

Getting cheap auto insurance coverage that will satisfy the Alabama state law requirements doesn’t have to be complicated or expensive. Use an AI-powered comparison tool called Insurify to find the cheapest auto insurance policy with the best coverage in under five minutes. On average, Insurify users save $489 a year!

Your auto insurance rates depend on where you live in Alabama and can vary from city to city. According to Insurify data, Auburn drivers can expect average monthly costs of $135—or $1,620 per year. It is possible to get car insurance for cheaper if you bundle your car insurance policy with another policy, such as your home insurance or renters insurance.

You can find the average car insurance costs for major cities in Alabama below.

$94
$105
$108
$113
$121
Amigo USATravelersNational GeneralArrowheadSafeAuto

Cheapest Car Insurance in Auburn, AL

To find the cheapest car insurance policy, you need to get at least four car insurance quotes from different insurance agencies in Auburn. Insurance agents use different algorithms to calculate your car insurance rates, taking into consideration various factors such as your age and credit score but weighting them differently.

Because of this, shopping around increases your chances of finding the cheapest insurance product for you. You can start with the car insurance companies below.

Best Car Insurance in Auburn, AL

The best car insurance company in Auburn for you depends on how a particular auto insurance company weights your various personal and statistical factors, such as your driving record and your vehicle model. You can use the table below to compare insurance providers with some of the cheapest car insurance rates.

However, remember that these car insurance quotes are just estimates based on statistics. To find the cheapest car insurance for you, use Insurify to get free quotes from 10+ providers.

Average Car Insurance Cost

$138
$152
$135
$134
$129
$141
AlabamaBirminghamMontgomeryMobileHuntsvilleAuburn
Click here to learn about car insurance quotes and save on your current policy.

Auburn, AL Driving Facts

alabama

Minimum Car Insurance Requirements in AL

Alabama's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Auburn Car Insurance Rates by Driver Age

When it comes to car insurance rates, your age is one of the first things that your local agent takes a look at. Teens and drivers under 25 have the highest auto insurance rates, but you can expect your auto insurance costs to go down as you gain more experience on the road. You can find car insurance rates for drivers of different ages in Alabama below.

Auburn Car Insurance Rates by Driving and Accident History

Your driving and accident history is also a very important factor that considerably influences your car insurance rates. Auburn drivers with a clean driving record have the cheapest auto insurance rates, but car insurance costs go up for those with violations, such as DUIs, speeding tickets, at-fault accidents, and failures to stop, on their record.

You can compare average car insurance costs for drivers with different driving histories below.

Auburn Car Insurance Rates by Credit Tier

Your credit score is another important factor that determines your car insurance costs. It’s much easier to get cheap car insurance with an excellent or good credit score than it is with a poor one. Don’t be discouraged—you can still find a good deal on auto insurance if you shop around and use Insurify to compare 10+ real quotes that fit your insurance needs.

Auburn DMV Information

The DMV is a state-level government agency responsible for providing different services related to cars and other vehicles, such as vehicle registration and issuing driver’s licenses and ID cards. “DMV” stands for department of motor vehicles. However, in Alabama, this agency is called the Alabama Department of Revenue.

There are multiple DMVs in Auburn, so you can simply search for the one closest to you and walk in or make an appointment. You don’t have to visit a particular office. Some of the services may be available online depending on your local DMV.

Public Transportation in Auburn

Auburn is a relatively small city, but using a car to get around is still the most convenient method of transportation. There is a special bus system for those affiliated with Auburn University, and the Lee-Russel Public Transit (LRPT) offers dial-a-ride to anyone who lives in Lee and Russell counties. You can also get around the city by bike.

How to Get the Cheapest Car Insurance in Auburn

Comparing car insurance quotes is the best way to get the cheapest car insurance in Auburn. You should get at least four quotes from different auto insurance providers and see which company is offering you the best deductibles and coverage limits at the lowest rates. You may also get a discount if you combine your car insurance policy with another policy, such as your homeowners insurance.

However, getting different quotes from different auto insurance companies and doing your own research can take hours and hours of your time. You would have to answer the same questions about your age and vehicle model over and over again, not to mention dealing with lead-generation websites that make money by selling your information to insurance agents.

Insurify is a car insurance solution that can help you find the cheapest car insurance in Auburn in under five minutes. Simply spend a few minutes answering basic questions on Insurify’s trusted site and instantly get 10+ real and personalized auto insurance quotes that you can compare side by side in one place. It’s easy, fast, and free! Learn more in the FAQ below.

Find local Auburn agents

Starr Insurance Group LLC
1288 Shug Jordan Pkwy, Auburn, AL 36832-3520
University Agency
611 E Glenn Ave, Auburn, AL 36831
Peak Insurance
1147 Opelika Rd Ste E, Auburn, AL 36830-3354
Direct Auto Insuranc
2081 S College St Suite C, Auburn, AL 36832
Christopher Kirk: Allstate Insurance
715 E Glenn Ave Ste 103, Auburn, AL 36830
General Insurance of Auburn
1092 Cornell Pl, Auburn, AL 36830
Tri County Insurance
1434 Opelika Rd, Auburn, AL 36830
The Tate Group: Richard Tate Allstate Insurance
1345 Opelika Rd ste c, Auburn, AL 36830
Insurance Solutions Group International, LLC
472 N Dean Rd UNIT 104, Auburn, AL 36830
Prewett Insurance Group: Allstate Insurance
1922 Professional Cir Ste 200, Auburn, AL 36830

Insurify Insights: How Auburn Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Auburn, AL
suspended licenses
#45
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Auburn drivers measure up to their fellow Alabama motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Auburn

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Auburn drivers rank 1 in the number of car accidents per driver across all cities in Alabama.

  • Rank within state: #1
  • Percent of drivers in Auburn with an accident: 16.22%
  • Drivers in Auburn, AL with an accident in their driving history paid on average 51.01% more than drivers with a clean record

Speeding in Auburn

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Alabama, Auburn drivers rank 1 in the number of speeding infractions per driver.

  • Rank within state: #1
  • Percent of drivers in Auburn with a speeding ticket: 17.86%
  • Drivers in Auburn, AL with a speeding ticket in their driving history paid on average 40.27% more than drivers with a clean record

DUI/DWIs in Auburn

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Auburn drivers rank 1 in the number of DUI’s per driver across all cities in Alabama.

  • Rank within state: #1
  • Percent of drivers in Auburn with a DUI: 1.5%
  • Drivers in Auburn, AL with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Auburn

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Auburn is the Nissan Altima.

Hybrid/Electric Vehicle Ownership in Auburn

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Auburn drivers rank 10 in hybrid and electric vehicle ownership across all cities in Alabama.

  • Rank within state: #10
  • Percent of drivers in Auburn with a hybrid/electric vehicle: 0.9%

FAQs - Auburn, AL Car Insurance

How do I find cheap car insurance in Auburn, AL?

The easiest and fastest way to find cheap car insurance in Auburn is to use Insurify to instantly get 10+ real auto insurance quotes that are tailor-fit to your needs from different insurance providers and compare them side by side in one place. You can also manually research at least four different car insurance companies in Auburn and request quotes from them.

How much does car insurance cost in Auburn, AL?

Your car insurance costs depend on a variety of personal and statistical factors, such as your age, vehicle model, and credit score. No two drivers are the same, and no two insurance companies determine their auto insurance rates using the same algorithm, so car insurance costs can vary significantly. Use Insurify to get cheap car insurance quotes from the best insurance providers in Auburn in under five minutes.

What drives up car insurance rates in Auburn, AL?

Being a teen or a young driver, having a poor credit score, and violations or speeding tickets on your driving record make you look like a high-risk motorist and can increase your car insurance quotes considerably. Additionally, your car insurance rates may be affected by where you live in Auburn. To find cheap car insurance even if you have negative factors driving up your rates, use Insurify.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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