Cheap Quotes for Auburn, AL Car Insurance (2021)

Auburn, Alabama car insurance rates average $291 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Auburn, AL companies, you can find cheap Auburn car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Auburn is USAA
  • Average car insurance rates in Auburn, AL are $291/month
  • Auburn has an average commute time of 20.2 minutes

How do the Auburn, Alabama monthly average car insurance rates of $291/month compare to nearby cities like Decatur car insurance rates, Tuscaloosa car insurance rates, and Hoover car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Auburn, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Auburn, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Auburn, Alabama companies to find the most affordable Auburn car insurance rates.

Enter your ZIP code above to find cheap Auburn, AL car insurance quotes today.

What are the minimum Auburn, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Auburn, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Auburn, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Auburn, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Auburn, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Auburn, Alabama

ZIP Code Average Annual Rates
36830 $3,531
36832 $3,607

How do age, gender, and marital status affect Auburn, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Auburn, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Auburn car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Auburn, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,855 $1,773 $1,676 $1,709 $6,357 $6,831 $2,085 $2,133
Farmers $2,200 $2,184 $1,966 $2,088 $8,468 $8,714 $2,497 $2,595
GEICO $2,007 $1,985 $1,897 $1,951 $5,231 $5,122 $2,121 $1,968
Liberty Mutual $3,045 $3,291 $2,495 $2,792 $11,073 $12,318 $3,247 $3,462
Nationwide $1,670 $1,691 $1,522 $1,577 $4,321 $5,576 $1,850 $2,068
Progressive $2,129 $1,990 $1,753 $1,867 $8,994 $10,029 $2,498 $2,669
State Farm $2,762 $2,762 $2,507 $2,507 $8,428 $10,571 $3,122 $3,584
Travelers $1,361 $1,381 $1,280 $1,275 $7,230 $11,350 $1,290 $1,473
USAA $1,308 $1,327 $1,222 $1,197 $3,887 $4,307 $1,700 $1,835

How much do teen drivers pay for car insurance in Auburn, AL?

Auburn, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Auburn car insurance rates from multiple Auburn, Alabama car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Auburn, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $8,468 $8,714
GEICO $5,231 $5,122
Liberty Mutual $11,073 $12,318
Nationwide $4,321 $5,576
Progressive $8,994 $10,029
State Farm $8,428 $10,571
Travelers $7,230 $11,350
USAA $3,887 $4,307

How much do senior drivers pay for car insurance in Auburn, AL?

With a little research, seniors can find affordable car insurance in Auburn, Alabama. Here’s a look at how the top Auburn car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Auburn, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $1,966 $2,088
GEICO $1,897 $1,951
Liberty Mutual $2,495 $2,792
Nationwide $1,522 $1,577
Progressive $1,753 $1,867
State Farm $2,507 $2,507
Travelers $1,280 $1,275
USAA $1,222 $1,197

How does coverage level affect Auburn, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Auburn, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Auburn, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,623 $3,789 $4,105
GEICO $2,572 $2,773 $3,010
Liberty Mutual $4,979 $5,191 $5,477
Nationwide $2,517 $2,512 $2,574
Progressive $3,593 $3,974 $4,407
State Farm $4,261 $4,525 $4,805
Travelers $3,158 $3,396 $3,435
USAA $2,021 $2,086 $2,185

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How does your driving record affect Auburn, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Auburn, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Auburn, Alabama companies.

Annual Auburn, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,604 $3,062 $3,610 $2,933
Farmers $3,231 $4,178 $4,076 $3,870
GEICO $1,885 $3,026 $3,713 $2,517
Liberty Mutual $4,091 $5,693 $5,570 $5,508
Nationwide $2,219 $2,219 $3,225 $2,475
Progressive $3,598 $4,543 $3,882 $3,942
State Farm $4,084 $5,075 $4,481 $4,481
Travelers $2,774 $2,911 $4,255 $3,379
USAA $1,614 $2,025 $3,006 $1,746

How does a DUI affect Auburn, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Auburn, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Auburn, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,076
GEICO $3,713
Liberty Mutual $5,570
Nationwide $3,225
Progressive $3,882
State Farm $4,481
Travelers $4,255
USAA $3,006

How does your credit history affect Auburn, AL car insurance rates?

Take a look at the data here to see how your Auburn, Alabama car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Auburn, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,304 $3,703 $3,510
GEICO $3,543 $2,527 $2,286
Liberty Mutual $7,470 $4,580 $3,597
Nationwide $3,056 $2,387 $2,160
Progressive $4,488 $3,866 $3,619
State Farm $7,347 $3,718 $2,526
Travelers $3,632 $3,149 $3,209
USAA $2,818 $1,836 $1,640

How does your commute affect Auburn, AL car insurance rates?

Auburn, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Auburn if you’re financing.

Annual Car Insurance Rates by Commute Length in Auburn, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $3,839 $3,839
GEICO $2,734 $2,836
Liberty Mutual $5,216 $5,216
Nationwide $2,534 $2,534
Progressive $3,991 $3,991
State Farm $4,418 $4,643
Travelers $3,330 $3,330
USAA $2,002 $2,194

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Who has the cheapest Auburn, AL car insurance rates?

Here’s a breakdown of Auburn, Alabama car insurance rates by company. You can see which company offers the cheapest Auburn car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Auburn, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

What are the top Auburn, AL car insurance companies?

Which Auburn, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Auburn companies to find the one for you.

Average Annual Car Insurance Rates by Company in Auburn, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $3,839
GEICO $2,785
Liberty Mutual $5,216
Nationwide $2,534
Progressive $3,991
State Farm $4,530
Travelers $3,330
USAA $2,098

What factors affect Auburn, AL car insurance rates?

Why are Auburn, Alabama car insurance rates different than rates in Decatur or Tuscaloosa? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Auburn, AL?

FBI statistics show that the Auburn, Alabama car theft rate is 75 thefts each year. High theft rates can lead to higher than average Auburn, AL car insurance rates.

How long is the average commute in Auburn, AL?

More time spent behind the wheel can lead to higher Auburn, Alabama car insurance rates. In Auburn, AL, the average commute length is 20.2 minutes.

What is the traffic like in Auburn, AL

Like commute length, time spent in traffic also increase risk of accidents. Auburn, AL is listed as 843rd in INRIX congested cities data.

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Car Insurance Quotes for Auburn, AL

Shop for affordable Auburn, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Auburn, AL car insurance companies.

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