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Cheap Car Insurance in Auburn, AL

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Everything You Need to Know About Auto Insurance in Alabama

Located in Lee County, Alabama, Auburn is a city of over 76,000 residents. Situated along the eastern edge of the state near the Georgia border, the first settlers to the area arrived in 1832. The city is home to a booming high-tech research industry and is known for its collection of art museums and performance halls.

Auburn is arguably best known for being home to Auburn University, one of the powerhouse schools of collegiate sports. As of 2022, the total enrollment for the university was nearly 32,000 students. If you live or plan on traveling to Auburn, be sure to see our guide on car insurance in Alabama.

How Much Does Car Insurance Cost in Auburn, Alabama?

In Auburn, you can expect to pay $120 each month on average for full coverage car insurance. This monthly expense is less than the national average for full coverage. Alternatively, you could just purchase the state-required minimum coverage, which will cost you roughly $33 per month. That average cost is less than the national average of $47 monthly.

It is natural to want to keep the cost of your car insurance as low as possible. However, there are risks that come with only carrying the minimum amount of liability coverage required by law. If you are in an accident with minimum coverage, you could be required to pay any damages above the amount your policy is required to pay for out of pocket.

Getting a Free Auto Insurance quote with Freeway is easy!

What Does Full vs. Minimum Insurance Mean?

You have a lot of options when it comes to purchasing auto insurance. You get the chance to not only select the type of policy coverage, but also the value of that policy. One of the decisions you will make is selecting either full coverage or the minimum amount of liability coverage.

Full coverage—as the name implies—covers everything that happens in an accident. Not only does it pay for damage to the other driver if you are at fault, but it also covers your own losses. However, full coverage is optional. The state only requires a minimum level of liability insurance. Liability insurance pays for damage you cause to other drivers in an accident, but it will not pay for your own losses.

Affordable Car Insurance Rates Comparison by Cities in Alabama.

See our list below to learn more about average monthly car insurance prices in Alabama cities:

City Full Coverage Insurance Liability Insurance Coverage
Auburn $119 $51
Birmingham $140 $38
Huntsville $116 $33
Mobile $115 $33
Montgomery $175 $56

Affordable Car Insurance Rates by Zip Code in Auburn, AL

One of the factors that insurance companies take into account is the ZIP code where you live. This is because accidents occur more often in some ZIP codes than others. For that reason, you can face higher rates based on the ZIP code where you live.

See our list below for average monthly car insurance prices by zip code in Auburn:

Zip Code Full Coverage Insurance Liability Insurance Coverage
36801 $119 $51
36830 $119 $51
36832 $119 $33
36849 $118 $32
36879 $118 $32

Low-Cost Car Insurance Rates by Age in Auburn, AL

Out of all of the factors that can impact the cost of your car insurance, your age is one of the most impactful. 

See our list below for average monthly car insurance prices by age in Auburn:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $563 $220
20s $385 $128
30s $165 $55
40s $155 $47
50s $143 $44
60s $139 $42
70s $154 $44

When determining the cost of car insurance, we use a set methodology to ensure our results are meaningful. We use the following method to arrive at our average cost: male driver, age 30, seeking the lowest possible legal coverage allowed by Alabama law. Your insurance premiums are based on different factors like your age, your gender, your claims history, and the extent of the insurance coverage you opt to purchase.

Driving Conditions in Auburn, AL

How Many Fatal Accidents Happen in Auburn?

Fatal traffic accidents are an unfortunate reality in Auburn. However, the number of fatal accidents has dropped in recent years. In 2021, there was only one fatality in Auburn for the entire year. This was a significant drop from 2020, which had six traffic deaths. It was also the lowest number of traffic fatalities in the five years preceding.

How Are the Road Infrastructure and Bridges in Auburn, AL?

In Auburn, infrastructure issues are overseen by the city’s public works department. Within the public works department, the transportation and infrastructure division not only maintains and designs roadways but also handles requests for sidewalks and traffic calming.

Auburn University is growing, and the city is growing along with it. On campus, extensive construction completed in recent years has extended major roadways, including Auburn Road. This expansion has also included associated utilities tied to the street.

Minimum Car Insurance Requirements in Auburn, Alabama

In Auburn, the law requires motorists to carry a minimum level of liability insurance. This insurance is designed to pay for damages that occur when you cause an accident. Drivers have an obligation to carry both bodily injury and property damage coverage. The minimum liability coverage needed according to state law includes the following:

  • $25,000 for bodily injury or death for a single person in an accident
  • $50,000 for bodily injury or death for multiple people in an accident
  • $25,000 for property damage per accident
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What Are the Penalties for Driving Without Insurance in Auburn, AL?

If you are pulled over for driving without insurance, you might face criminal prosecution. The penalties that come with this offense can vary depending on your prior driving history. First-time offenders could face a fine of up to $500 and even incarceration for up to three months. The penalties for second and subsequent offenses are even higher. These penalties include:

  • $1,000 in fines
  • Up to six months in jail
  • Registration suspension for 30 days
  • Vehicle impoundment
  • SR-22 requirements

Having an SR-22 requirement can double or even triple your insurance premiums.

Car Insurance Factors Allowed in Auburn, AL

Each time an insurance company provides a driver with a quote, they base this rate on a wide range of factors. These varying factors are why two drivers with similar backgrounds could face wildly different monthly premiums. Some of the important factors the insurance companies take into account include the following:

  • Age
  • Accident history
  • Claims history
  • Type of vehicle
  • Gender
  • ZIP code

Auto Insurance Rates for Young Drivers vs. Older People

Of all the factors that can impact the cost of your insurance, your age is one of the most important. While teen drivers often face high premiums, these expenses are much lower for drivers in their 40s or 50s. This is because drivers in their teens or 20s are far more likely to be involved in a car accident than older drivers. The good news is that there are some ways you could reduce the cost of your teenage driver’s car insurance, including:

  • Put them on your policy. While this is only going to increase your premiums, the difference in price will be significant compared to having them on their own policy.
  • Choose a safe car. The safer and older the vehicle, the lower the premium will be. Alternatively, a teenager driving a convertible or sports car should expect to pay more.
  • Focus on discounts. There are many discounts that could bring the cost of car insurance down, including a discount for good students.

Discounts for Car Insurance in Auburn, AL

For most people, bringing down the cost of your car insurance is important. While everyone wants the best possible coverage available, they also want that coverage that fits within their budget. One of the best ways to secure cost-effective insurance is through qualifying for as many discounts as possible. Some of the discounts include:

Another way to save money is by bundling policies with the same insurance provider. For example, you could secure a discount on your home insurance if you also purchase car insurance.


Get an Online Quote for Low-Cost Car Insurance in Auburn, AL Today!

Aerial View of the Town and University of Auburn, Alabama

That wraps up our guide to auto insurance in Auburn, Alabama. If you are ready to get the best policy for an affordable price, Freeway Insurance is here to help.

Reach out today to get a quote. You can contact us online for a quote, visit us at an office near you, or call us at (800) 777-5620 at your convenience.