Auburn Auto Insurance Rates, Quotes, Agents & Reviews in AL

Auburn, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Auburn, AL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Auto Insurance Rates in Auburn, AL

The average cost of car insurance in Auburn, AL is $1,411 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.

The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.

Based on deductibles

To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Auburn, AL can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Auburn car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Auburn this difference is  $1472 and $1243 respectively.

Auto Insurance Cost in Auburn Based on deductibles in nearby cities 

auto_insurance_rates_in_auburn_al

Multi Car Insurance Rates

Auburn, AL car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Auburn car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Auburn , insurance companies provide $367 and $550 off on 2 vehicles bundle and 3 vehicles bundle respectively. One can save $734 on auto insurance by bundling 4 vehicles in Auburn.

Based on the credit score

In most of the states credit score is a major rating factor. Car owners  with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history.According to Zimlon’s analysis in Auburn car owners with a good credit score or more pay only $1211 for insurance whereas those who are low on the totem pole may end up paying considerably more at $2302.

Based on age of the car owner 

Teenagers and young residents of Auburn pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver in Auburn is $4578  while 30-50 year olds can expect to find cheaper rates at less than $1396-$1244 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status. 

Factors that can influence the cost of car insurance in Auburn, AL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Auburn, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Auburn, AL with that of other cities in and around Auburn.

Auburn Beauregard-Marvyn Auburn-Opelika Little Texas-Society Hill Opelika Loachapoka
Average Insurance Rates $1,411 $1,461 $1,500 $1,390 $1,481 $1,471

Auburn, AL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Auburn, AL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Auburn $1,472 $1,243
Auburn-Opelika $1,732 $1,463
Loachapoka-Roxana $955 $806
Loachapoka $1,429 $1,207
Opelika $1,316 $1,112
Lee County $1,409 $1,190
Beauregard-Marvyn $1,109 $937
Little Texas-Society Hill $1,335 $1,128

Auburn, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Auburn, AL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,578
20 Years $1,813
30 Years $1,396
40 Years $1,344
50 Years $1,244
60 Years $1,262
70 Years $1,468

Auburn, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Auburn, AL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,455 $367
3 Vehicles $3,683 $550
4 Vehicles $4,910 $734

Savings on 2 Vehicles bundle:$367

Savings on 3 Vehicles bundle:$550

Savings on 4 Vehicles bundle:$734


Auburn, AL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Auburn, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Auburn $1,411 $2,502
Auburn-Opelika $1,500 $2,660
Loachapoka-Roxana $1,521 $2,697
Loachapoka $1,471 $2,608
Opelika $1,481 $2,626
Lee County $1,365 $2,420
Beauregard-Marvyn $1,461 $2,590
Little Texas-Society Hill $1,390 $2,464

Auburn, AL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,211
Excellent (740-799) $1,382
Good (670-739) $1,470
Average (580-669) $1,918
Poor (300-579) $2,302

Auburn, AL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Dee C Madison Allstate 1444 Opelika Rd, Auburn, 36830 (334) 301-2601
Tri County Insurance Travelers 1434 OPELIKA RD STE C, AUBURN, 36830 334-887-2905
Donnie Rabren Allstate 721 E Glenn Ave, Auburn, 36830 (334) 821-7570
Bill White State Farm 401 S 8th St, Opelika, 36801-4958 334-749-8319
J. Smith Lanier & Co. - Opelika None 707 Avenue A, Opelika, 36801 None
Joe C. Colvin Jr Allstate 1444 Opelika Rd, Auburn, 36830 (334) 301-2601
Palomar Insurance Corp Travelers 8193 VAUGHN RD, MONTGOMERY, 36116 334-270-0105
Jan Carpenter State Farm 3025 Zelda Rd, Montgomery, 36106-2651 334-271-0575

Auburn, AL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$62 $1,473
Driver's Failure In Showing Documents +$137 $1,548
Driving With An Expired Registration +$145 $1,556
Driving At A Considerably Slow Pace +$306 $1,717
Using A Cellphone While Driving +$323 $1,734
Running A Red Light +$329 $1,740
Speeding +$346 $1,757
Driving A Vehicle Without The Required Permission +$439 $1,850
Driving With An Expired/Suspended License +$951 $2,362

Auburn, AL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,355
Active Disabling Device $1,355
Tracking Device $1,326
Passive Disabling Device $1,312

Latest Auto Insurance Reviews in Auburn, AL | Back to Top

Allstate
Havent had problems and maybe a call or two with them over information. They gladly help me with my needs. Sounds government regulated so they have standards.
State Farm
It's a really good service. They provided services for our family needs and make necessary adjustments as we request them