120+ more*Quotes generated for Insurify users in and around Auburn, Alabama within the last 10 days. Last updated on October 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Auburn, Alabama within the last 10 days. Last updated on October 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
Auburn car insurance averages $69 per month for liability coverage and $128 per month for full coverage.
In Montgomery, about an hour northeast, liability and full-coverage insurance rates are higher, at $80 and $159 per month, respectively. Drivers in Dothan, about two hours south, pay lower rates for the same coverage, at monthly averages of $63 and $116.
Two things may help explain why Auburn drivers have cheaper insurance rates than Montgomery drivers. Vehicle theft is far less common in the Auburn-Opelika metro, which ranks No. 279 for vehicle theft, compared with Montgomery, at No. 41, according to Insurify data. Auburn drivers also log the fewest annual miles of any Alabama city.
For liability-only coverage, National General offers Auburn’s lowest average rate, at $38 per month.
Drivers in Auburn pay $69 per month, on average, for liability insurance — half the city’s average cost for full coverage.
Alabama requires drivers to have liability limits of at least 25/50/25, which includes $25,000 for bodily injury liability per person, $50,000 per accident, and $25,000 for property damage.[1] Under Alabama law, insurers must also provide uninsured motorist coverage, but drivers can reject the coverage.
A liability-only car insurance policy can satisfy Alabama’s minimum car insurance requirements, but it won’t pay for damage to your own vehicle.
The table below shows the cheapest liability-only car insurance rates in Auburn.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $38 |
| Auto-Owners | $42 |
| Progressive | $42 |
| USAA | $42 |
| State Farm | $43 |
| Allstate | $44 |
| Country Financial | $46 |
| Direct Auto | $49 |
| Excepsure | $52 |
| AssuranceAmerica | $53 |
| First Acceptance | $55 |
| Travelers | $57 |
| The General | $58 |
| Trexis | $62 |
| GEICO | $63 |
| GAINSCO | $67 |
| Bristol West | $68 |
| Hugo | $75 |
| Farmers | $77 |
| Safeco | $81 |
| Dairyland | $88 |
| Insurify Car | $91 |
| Root | $106 |
| Liberty Mutual | $115 |
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National General has the cheapest full-coverage car insurance in Auburn, at $86 per month. At $128 per month, Auburn’s average full-coverage rate is one of the lowest in the state.
Full coverage typically includes collision coverage and comprehensive insurance, which may be especially useful for protection against weather-related vehicle damage. Auburn has several flood-prone areas, and comprehensive coverage, typically included in a full-coverage policy, can cover flood damage.
The table below highlights the cheapest full-coverage car insurance in Auburn.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $86 |
| Auto-Owners | $89 |
| State Farm | $89 |
| USAA | $89 |
| Allstate | $95 |
| Progressive | $96 |
| Country Financial | $98 |
| Direct Auto | $106 |
| AssuranceAmerica | $117 |
| Travelers | $122 |
| GEICO | $133 |
| The General | $139 |
| Trexis | $151 |
| Safeco | $156 |
| Bristol West | $165 |
| Farmers | $165 |
| First Acceptance | $168 |
| Root | $173 |
| GAINSCO | $184 |
| Liberty Mutual | $196 |
| Dairyland | $210 |
Dothan auto insurance costs an average of $90 per month — the lowest among Alabama cities. Birmingham drivers pay the highest rates, averaging $123 per month. Auburn’s overall average of $99 per month is 18% below Montgomery’s and 21% below Birmingham’s.
The Auburn-Opelika metro’s vehicle theft rate — 47% below the statewide rate — may be one reason why Auburn’s rates are lower than in Montgomery and Birmingham. Fewer thefts can mean fewer comprehensive insurance claims, which may help keep local rates down. Auburn drivers also log fewer miles than those in other Alabama cities, at 9,112 per year, according to Insurify data.
Compare average car insurance rates in other Alabama cities in the table below.
City | Average Monthly Quote |
|---|---|
| Dothan | $90 |
| Decatur | $94 |
| Enterprise | $102 |
| Madison | $102 |
| Oxford | $103 |
| Huntsville | $104 |
| Tuscaloosa | $109 |
| Daphne | $113 |
| Montgomery | $120 |
| Mobile | $121 |
| Birmingham | $123 |
*Quotes generated for Insurify users in and around Auburn, Alabama within the last 10 days. Last updated on October 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Auburn, Alabama within the last 10 days. Last updated on October 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
A clean record generally results in cheaper car insurance quotes in Auburn. But an at-fault accident, speeding ticket, or driving under the influence (DUI) conviction on your record can raise your premiums.
That said, you can still find affordable car insurance in Auburn even if you have violations on your record. Here are the cheapest car insurance companies in Auburn by driving history:
Cheapest car insurance for Auburn drivers with a clean driving record: National General
Cheapest car insurance for drivers with a speeding ticket in Auburn: National General
Cheapest car insurance for Auburn drivers with an at-fault accident: National General
Cheapest car insurance for drivers with a DUI in Auburn: National General
Nearly 7% of Auburn drivers have a ticket, 5% have an at-fault accident, and 0.4% have a DUI, according to Insurify data. Auburn’s ticket rate is the highest among Alabama cities.
Alabama uses an at-fault system, so the driver who causes a crash is financially responsible for the damages. A first DUI brings a 90-day license suspension.[2]
Here are the average monthly quotes for different driving records in Alabama.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $99 |
| Speeding ticket | $132 |
| At-fault accident | $138 |
| DUI | $139 |
Auburn’s more than 85,000 residents share the roads with more than 35,000 Auburn University students. Downtown offers more than 1,300 spaces. On- and off-street parking is available along College Street, Magnolia Avenue, and Gay Street. Parking costs $1 per hour on weekdays and is limited to two hours, with free parking after 6 p.m. and on weekends.
Flooding is a recurring hazard for the city of Auburn, and several creeks and lakes, including Chewacla Creek, can overflow during heavy storms.[3] The city identifies roadways prone to flooding, including East University Drive Bridge at Summertrees Drive and Moores Mill Road Bridge at Forestdale Drive.
On home-game Saturdays, Tiger Transit shuttles run from four hours before kickoff until two hours after the game, with no fixed schedule because of traffic.
Most Auburn traffic funnels onto Interstate 85 and U.S. Route 280 and onto College Street and Opelika Road, where those highways feed into town. Lee County, where Auburn sits, recorded 2,690 intersection crashes in 2024.[4]
Several Auburn roads are already at or over capacity, and most of them are I-85 ramps at the U.S. Route 29, Bent Creek Road, and U.S. Route 280 exits. Football Saturdays add another layer: After home games, the city runs North Donahue Drive one-way and closes part of South Donahue. Congestion increases crash risk, which insurers may factor into your rates.
Liability policies average $69/mo.
Teen drivers in Auburn pay monthly averages of $136 for liability coverage and $252 for full coverage.
Auburn teens also have to follow Alabama’s graduated licensing restrictions, which prohibit 16-year-olds from driving between midnight and 6 a.m. The exception to that rule is driving with a qualifying adult, traveling to or from work, or attending certain school or religious events.
Violating those restrictions can extend a teen’s restricted-license period by six months or until age 18. The table below shows the cheapest liability rates for teen drivers in Auburn.
Insurance Company | Average Monthly Quote |
|---|---|
| Country Financial | $75 |
| National General | $77 |
| USAA | $79 |
| Progressive | $83 |
| State Farm | $86 |
| Allstate | $87 |
| Auto-Owners | $87 |
| Direct Auto | $99 |
| Excepsure | $102 |
| First Acceptance | $108 |
| The General | $108 |
| AssuranceAmerica | $113 |
| GEICO | $118 |
| Travelers | $121 |
| GAINSCO | $121 |
| Trexis | $122 |
| Bristol West | $124 |
| Hugo | $148 |
| Dairyland | $157 |
| Farmers | $158 |
| Root | $167 |
| Safeco | $171 |
| Insurify Car | $179 |
| Liberty Mutual | $209 |
Senior drivers make up a relatively small share of Auburn’s population: Fewer than 10% of residents are 65 or older, compared with 19% statewide, according to U.S. census data.
Senior drivers in Auburn pay an average of $62 per month for liability coverage. National General is the cheapest insurer for this group.
Auburn drivers in their 60s can find the lowest available rates from the insurers in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $31 |
| Auto-Owners | $34 |
| State Farm | $34 |
| USAA | $35 |
| Country Financial | $37 |
| Progressive | $38 |
| Allstate | $40 |
| Direct Auto | $41 |
| AssuranceAmerica | $42 |
| Travelers | $47 |
| Excepsure | $47 |
| First Acceptance | $50 |
| The General | $50 |
| GEICO | $51 |
| Trexis | $56 |
| Bristol West | $58 |
| GAINSCO | $59 |
| Farmers | $62 |
| Hugo | $68 |
| Safeco | $72 |
| Dairyland | $76 |
| Insurify Car | $82 |
| Liberty Mutual | $97 |
| Root | $100 |
The answers below cover common questions about auto insurance in Auburn, including average costs and the most affordable companies.
Auburn car insurance is lower than the Alabama and national averages. Drivers pay an average of $69 per month for liability coverage and $128 per month for full coverage, according to Insurify data.
National General has the cheapest car insurance in Auburn, at $38 per month for liability-only coverage.
Your driving record strongly affects car insurance rates, and Auburn drivers have the highest share of speeding tickets among Alabama cities. Several Auburn roads and bridges also flood during heavy storms, which can lead to more comprehensive claims.
Common car insurance discounts in Auburn include good student discounts and safe driver discounts that track your driving habits through an app. You can also save when you bundle auto insurance with home or renters insurance and pay your premium up front.
National General, Progressive, and Auto-Owners are among the top car insurance companies where Auburn drivers can find affordable coverage. Since rates vary by company, it’s important to shop around and compare coverages and pricing.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
