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Cheapest Car Insurance Quotes in Auburn University
Finding the cheapest car insurance quotes in Auburn University shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Auburn University
The car insurance rate in Auburn University is $880 for a six-month policy, which is $56 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Auburn University can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
Cheapest Car Insurance Companies in Auburn University
1st place: AutoOwners Insurance Co
At $475 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $619 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $670
for six months, making it
the third cheapest auto insurance company in Auburn University.
Auburn University Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Auburn University, AL is AutoOwners Insurance Co, offering policies at just $475 for a six-month term. This is followed by State Farm, which has an average six-month premium of $619.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1882 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Auburn University drivers find the best deals.
Cheap Car Insurance Companies in Auburn University, AL
Way's key takeaways about car insurance in Auburn University
The auto insurance costs in Auburn University fall around $475 for six
months.
The cheapest auto insurance company in Auburn University is Cincinnati.
Teen drivers pay the highest rate in Auburn University at $1099 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Auburn University
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Auburn University are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Auburn University. Their Average 6 Month Premium is $123.
Farmers is the most
expensive at $714 for the same
period.
Cheapest Liability Coverage in Auburn University, AL
Cheapest Full Coverage Car Insurance in Auburn University
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Auburn University is AutoOwners Insurance Co
at $79 per month and $475
for six months.
Cheapest Full Coverage Car Insurance Quotes in Auburn University,
AL
Get Your Car Insurance Quote in Auburn University
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Average Car Insurance in Auburn University by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Auburn University, AL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Auburn University, Alabama, may be increasing due to several external factors.
Alabama has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Auburn University's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Auburn University
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Auburn University,AL
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Auburn University at $23
per
month. At $6527 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Auburn University.
As young drivers face the highest rates in Auburn University, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Auburn University,
Cincinnati is
the cheapest car insurance provider. At $173 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Auburn University is Farmers, offering
rates of around $3043 for six
months.
Save up to $971/yr on car insurance rates in Auburn University.
Car Insurance Rates with An Accident in Auburn University
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Auburn University, AL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Auburn University
The cheapest car insurance companies after an at-fault accident in
Auburn University include Cincinnati
and AutoOwners Insurance Co, offering $190
and $296,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2608.
Auburn University Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Auburn University AL. For example, the car
insurance in Auburn University
after a DUI increases to $759 for a six
month policy. While the rate increases by $218 for a six-month policy in the case of
a speeding ticket.
Auburn University auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$916
$152
One Med/PIP claim
$916
$156
One comp claim
$944
$157
Two Med/PIP claims
$944
$161
Not-at-fault accident
$949
$158
Two comp claims
$994
$169
Driving without lights
$1089
$181
Failure to wear a seat belt
$1100
$187
Failure to show documents
$1105
$184
Child safety restraint
$1111
$189
Cell phone violation
$1128
$188
Driving with expired registration
$1128
$192
Driving too slowly
$1134
$189
Speeding 6 - 10 MPH over limit
$1134
$193
Speeding in school zone
$1134
$189
Texting while driving
$1134
$193
Speeding 11 - 15 MPH over limit
$1145
$191
Wrong way/wrong lane
$1145
$195
Failure to yield
$1151
$192
Following too closely
$1151
$196
Illegal turn
$1151
$192
Speeding 16 - 20 MPH over limit
$1151
$196
Failure to stop at a red light
$1156
$193
Improper passing
$1156
$196
Passing school bus
$1195
$199
Speeding 21 - 25 MPH over limit
$1200
$204
At-fault accident - less than $1000
$1212
$202
In 65 MPH zone
$1229
$209
At-fault accident - $1000-$2000
$1324
$221
Operating a vehicle without permission
$1351
$229
At-fault accident - greater than $2000
$1362
$227
Open container
$1390
$236
Reckless driving
$1541
$257
Driving with a suspended license
$1608
$274
Racing
$1630
$272
Refusal to submit to a chemical test
$1641
$279
DUI
$1675
$279
Leaving scene of an accident/hit and run
$1742
$296
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Auburn University after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Auburn University.
The cheapest car insurance premiums in
Auburn University are
offered by Cincinnati at $257 for a six-month policy.
However, it can be as
expensive as $2507 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Auburn University are offered by Cincinnati
at $129. However,
it can be as expensive as $2406
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Auburn University after Speeding ticket
Car Insurance Price Trends in Auburn University,
Alabama
Car insurance rates in Auburn University have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Auburn University rose by
$186 in December
compared to $183 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Auburn University rose to $47 in December,
compared to $46 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Auburn University by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Auburn University. At $1759 for a
six-month policy, insuring
your car at 36849 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Auburn University?
The car insurance in Auburn University is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Auburn University?
The cheapest car insurance in Auburn University
is $79 per month
for full coverage.
How much is car insurance in Auburn University for teenagers?
Car insurance for teenagers costs $134 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Auburn University?
The average cost of car insurance is $936 for a six-month
policy. It will cost around $148 per month to insure your
car in Auburn University.
Is car insurance expensive in Auburn University?
Car insurance can be expensive in Auburn University if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Auburn University can be
affordable.
What is the best car insurance in Auburn University,
AL?
The best car insurance company in Auburn University
AL is
AutoOwners Insurance Co, offering $475 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Auburn University, AL
Car Insurance Rates by State in the USA (2025 Update)
Auburn University Car Insurance
