Cheapest Car Insurance Quotes in Auburn

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401,895 Policies Sold

Auburn Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

The car insurance rate in Auburn is $626 for a six-month policy, which is $18 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $349, making it a popular choice for budget-conscious drivers. Rates in Auburn 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.

Avg. Car Insurance in Auburn

$626

Avg. Car Insurance in Maine

$608

National Average

$1140

Cheapest Car Insurance Companies in Auburn

1st place: Concord Group

At $349 for a six month policy, Concord Group offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $428 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $447 for six months, making it the third cheapest auto insurance company in Auburn.

Auburn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Auburn, ME is Concord Group, offering policies at just $349 for a six-month term. This is followed by Travelers, which has an average six-month premium of $428.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $942 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Auburn drivers find the best deals.

Cheap Car Insurance Companies in Auburn, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$349	$60
Travelers	$428	$72
Vermont Mutual	$447	$75
USAA	$465	$78
Concord	$562	$96
Auto-Owners	$569	$95
Progressive	$666	$112
MMG	$703	$118
State Farm	$851	$143
Allstate	$912	$153
Farmers	$942	$161

Key Takeaways

Way's key takeaways about car insurance in Auburn

The auto insurance costs in Auburn fall around $349 for six months.
The cheapest auto insurance company in Auburn is USAA.
Teen drivers pay the highest rate in Auburn at $584 per month.

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Cheapest Minimum Liability Car Insurance in Auburn

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 are given below.

USAA provides the cheapest minimum car insurance coverage in Auburn. Their Average 6 Month Premium is $153. Electric is the most expensive at $227 for the same period.

Cheapest Liability Coverage in Auburn, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$153	$26
Auto-Owners	$159	$27
Vermont Mutual	$159	$27
Concord Group	$177	$30
MMG	$177	$30
Frankenmuth	$190	$32
Travelers	$220	$37
State Farm	$269	$45
Concord	$281	$47
Farmers	$300	$50
Progressive	$324	$55
Allstate	$361	$61
Electric	$227	$38

Cheapest Full Coverage Car Insurance in Auburn

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 is Concord Group at $60 per month and $349 for six months.

Cheapest Full Coverage Car Insurance Quotes in Auburn, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$349	$60
Travelers	$428	$72
Vermont Mutual	$447	$75
USAA	$465	$78
Concord	$562	$96
Auto-Owners	$569	$95
Progressive	$666	$112
MMG	$703	$118
State Farm	$851	$143
Allstate	$912	$153
Farmers	$942	$161

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Average Car Insurance in Auburn 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, ME increasing?

Despite maintaining a clean driving record, your car insurance rates in Auburn, Maine, may be increasing due to several external factors. Maine 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'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

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

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Cheapest Car Insurance Rates for Teen Drivers in Auburn,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Auburn at $37 per month. At $3432 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$220	$37
Concord Group	$245	$41
Vermont Mutual	$245	$41
Patriot Insurance	$269	$45
Countryway Insurance	$275	$46
Travelers	$710	$119
USAA	$868	$146
Concord	$1163	$194
MMG	$1805	$307
State Farm	$1952	$329
Allstate	$2460	$414
Progressive	$2576	$434
Farmers	$3432	$584

Teen Car Insurance Rates in ME by Age

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, Concord Group is the cheapest car insurance provider. At $281 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 is Farmers, offering rates of around $2912 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$281	$47
Countryway Insurance	$318	$55
Vermont Mutual	$343	$57
Travelers	$520	$88
USAA	$637	$106
Allstate	$851	$143
MMG	$893	$149
Concord	$985	$168
Progressive	$1157	$193
State Farm	$2497	$424
Farmers	$2912	$485

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Car Insurance Rates with An Accident in Auburn

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, ME, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Auburn

The cheapest car insurance companies after an at-fault accident in Auburn include Vermont Mutual and AutoOwners, offering $159 and $251, respectively. Farmers is an expensive provider with an average six-month premium of $1915.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$159	$27
Auto-Owners	$251	$42
Patriot Insurance	$251	$42
Concord Group	$256	$43
Electric	$331	$55
MMG	$428	$72
Travelers	$441	$74
USAA	$441	$74
State Farm	$710	$119
Concord	$887	$150
Progressive	$1174	$198
Allstate	$1230	$207
Farmers	$1915	$319

Auburn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Auburn ME. For example, the car insurance in Auburn after a DUI increases to $521 for a six month policy. While the rate increases by $135 for a six-month policy in the case of a speeding ticket.

Auburn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$630	$105
One Med/PIP claim	$637	$108
Two Med/PIP claims	$666	$111
One comp claim	$673	$114
Not-at-fault accident	$679	$113
Driving without lights	$716	$122
Failure to show documents	$722	$121
Failure to wear a seat belt	$728	$124
Child safety restraint	$734	$123
Two comp claims	$747	$127
Driving with expired registration	$759	$127
Driving too slowly	$765	$130
Speeding 11 - 15 MPH over limit	$765	$128
Speeding 6 - 10 MPH over limit	$765	$130
Speeding in school zone	$765	$128
Following too closely	$770	$131
Illegal turn	$770	$129
In 65 MPH zone	$770	$131
Failure to stop at a red light	$777	$130
Failure to yield	$777	$132
Improper passing	$777	$130
Speeding 16 - 20 MPH over limit	$783	$133
Speeding 21 - 25 MPH over limit	$783	$131
Wrong way/wrong lane	$783	$133
Passing school bus	$814	$136
Cell phone violation	$832	$141
Texting while driving	$851	$142
At-fault accident - less than $1000	$868	$147
Open container	$912	$152
Operating a vehicle without permission	$930	$159
At-fault accident - $1000-$2000	$949	$158
At-fault accident - greater than $2000	$961	$164
Racing	$1065	$177
Driving with a suspended license	$1095	$186
Reckless driving	$1095	$182
DUI	$1151	$196
Refusal to submit to a chemical test	$1151	$192
Leaving scene of an accident/hit and run	$1217	$207

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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 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.

The cheapest car insurance premiums in Auburn are offered by AutoOwners at $263 for a six-month policy. However, it can be as expensive as $2092 with companies like Farmers.

Auburn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$263	$44
Countryway Insurance	$269	$45
Concord Group	$287	$48
Travelers	$465	$78
MMG	$649	$109
Progressive	$649	$109
USAA	$691	$116
State Farm	$874	$147
Concord	$949	$162
Allstate	$1211	$204
Farmers	$2092	$355

Cheapest car insurance after a speeding ticket

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 are offered by Vermont Mutual at $141. However, it can be as expensive as $1646 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Auburn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$141	$24
Concord Group	$202	$34
Travelers	$428	$72
State Farm	$441	$74
USAA	$441	$75
Concord	$649	$108
MMG	$734	$125
Progressive	$887	$148
Allstate	$972	$166
Farmers	$1646	$274

Car Insurance Price Trends in Auburn, Maine

Car insurance rates in Auburn have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Auburn remained steady at $134 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Auburn remained steady at $38 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Auburn?

The car insurance in Auburn is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Auburn?

The cheapest car insurance in Auburn is $60 per month for full coverage.

How much is car insurance in Auburn for teenagers?

Car insurance for teenagers costs $220 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?

The average cost of car insurance is $608 for a six-month policy. It will cost around $105 per month to insure your car in Auburn.

Is car insurance expensive in Auburn?

Car insurance can be expensive in Auburn if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Auburn can be affordable.

What is the best car insurance in Auburn, ME?

The best car insurance company in Auburn ME is Concord Group, offering $349 for a six-month policy.