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.
Decoding the Mystery: Car Insurance Rates in Auburn, AL
Auburn, Alabama, a city of rich culture and academic prominence, is home to a variety of top car insurance providers. This article seeks to demystify the dynamics of car insurance rates in Auburn, shedding light on the leading competitors, their pricing, and the factors affecting insurance rates in the city.
Top Competitors and their Prices
Auburn boasts several top-tier insurance providers, each offering diverse policy options and competitive prices:
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State Farm: Known for its comprehensive coverage, State Farm's average annual rate in Auburn stands at approximately $1,320.
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Geico: With its competitive pricing, Geico's average annual rate in Auburn is around $1,270.
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Allstate: Offering a range of coverage options, Allstate's average annual rate is about $1,420.
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Progressive: Popular for its flexible policies, Progressive's average annual rate in Auburn is roughly $1,370.
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Liberty Mutual: Known for its host of benefits and discounts, Liberty Mutual's average annual rate is approximately $1,400.
These figures represent average estimates and can vary depending on several factors, including a driver's history, age, and the type of vehicle insured.
Quotes, Rates, and Agents
The car insurance landscape in Auburn is competitive, with rates differing significantly among providers. Quotes provided by insurance companies are based on their risk evaluation models and the agent's understanding of a client's needs.
Insurance agents play a vital role in this process. They act as intermediaries between customers and insurance companies, helping to guide clients through the intricacies of car insurance. Auburn's agents, with their in-depth understanding of local dynamics, offer tailored policies to meet individual requirements effectively.
Factors Influencing Car Insurance Rates in Auburn
Car insurance rates in Auburn are influenced by several factors:
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Driving Record: Drivers with a clean record typically receive lower premiums than those with a history of accidents or violations.
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Vehicle Type: The make, model, and age of a vehicle can significantly impact insurance costs. Generally, it's costly to insure newer, high-end vehicles than older, less expensive ones.
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Demographics: Factors such as age, gender, and marital status can affect insurance rates. For instance, younger, single, male drivers often face higher rates.
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Location: Areas with high traffic or high accident rates typically have higher insurance premiums. Similarly, areas with high rates of vehicle theft can also lead to increased insurance rates.
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Credit Score: Many insurance companies use credit scores as a measure of a driver's risk, impacting the rates they offer.
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Coverage and Deductibles: The level of coverage selected and the deductible chosen can directly affect the premium. More coverage and lower deductibles usually result in higher premiums.
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Local Regulations: State and local laws, such as Alabama's requirement for drivers to carry a minimum level of liability insurance, can also influence insurance costs.
The car insurance market in Auburn, AL, is shaped by various factors, leading to notable variations in rates among providers. It's always a good idea for customers to shop around, understand their insurance needs, and consult with a knowledgeable insurance agent to secure a policy that best fits their circumstances. Whether you're new to Auburn or a long-term resident, periodic reviews of your car insurance policy can ensure optimal coverage at a competitive price.
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 Rates
- Auburn, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Auburn, AL
- Multi Vehicle Insurance Savings in Auburn, AL
- How Credit Score Affects Car Insurance Rates in Auburn, AL
- How DUI Affects Auto Insurance Premiums in Auburn, AL
- Top Auto Insurance Agents Near Auburn, AL
- How Driving Violations Affect Auto Insurance Rates in Auburn, AL
- Auburn, AL Auto Insurance Discounts on Anti Theft Feature
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-Opelika | Loachapoka-Roxana | Opelika | Auburn | Beulah | Loachapoka | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,500 | $1,521 | $1,481 | $1,411 | $1,466 | $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-Opelika | $1,732 | $1,463 |
| Opelika | $1,316 | $1,112 |
| Lee County | $1,409 | $1,190 |
| Auburn | $1,472 | $1,243 |
| Beauregard-Marvyn | $1,109 | $937 |
| Loachapoka-Roxana | $955 | $806 |
| Loachapoka | $1,429 | $1,207 |
| Beulah | $1,714 | $1,448 |
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 | $4,867 |
| 20 Years | $1,927 |
| 30 Years | $1,484 |
| 40 Years | $1,428 |
| 50 Years | $1,323 |
| 60 Years | $1,341 |
| 70 Years | $1,561 |
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 | $2,610 | $390 |
| 3 Vehicles | $3,915 | $585 |
| 4 Vehicles | $5,220 | $780 |
Savings on 2 Vehicles bundle:$390
Savings on 3 Vehicles bundle:$585
Savings on 4 Vehicles bundle:$780
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-Opelika | $1,500 | $2,660 |
| Opelika | $1,481 | $2,626 |
| Lee County | $1,365 | $2,420 |
| Auburn | $1,411 | $2,502 |
| Beauregard-Marvyn | $1,461 | $2,590 |
| Loachapoka-Roxana | $1,521 | $2,697 |
| Loachapoka | $1,471 | $2,608 |
| Beulah | $1,466 | $2,599 |
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) | $1,287 |
| Excellent (740-799) | $1,469 |
| Good (670-739) | $1,563 |
| Average (580-669) | $2,039 |
| Poor (300-579) | $2,447 |
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 |
|---|---|---|---|
| Prewett Insurance Group | Allstate | 1849 Ogletree Rd Ste 300, Auburn, 36830 | (334) 502-5111 |
| John Killmaster | State Farm | 2515 E Glenn Ave Ste 206, Auburn, 36830-6452 | 334-329-7557 |
| Tom Bryan | State Farm | 1819 Pepperell Pkwy, Opelika, 36801-5475 | 334-749-5777 |
| Dee C Madison | Allstate | 1444 Opelika Rd, Auburn, 36830 | (334) 301-2601 |
| Prewett Insurance Group | Allstate | 2210 Gateway Dr Ste B, Opelika, 36801 | (334) 528-0303 |
| 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 |
| Chattawood Insurance Co., Inc. | None | 2138 Moores Mill Rd. Ste B , Auburn, 36830 | None |
| Kathy Powell | State Farm | 2408 E University Dr Ste 104, Auburn, 36830-9404 | 334-501-8245 |
| Tri County Insurance | Travelers | 360 Fob James Dr, Valley, 36854 | (334) 756-3600 |
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 | +$66 | $1,566 |
| Driver's Failure In Showing Documents | +$146 | $1,646 |
| Driving With An Expired Registration | +$155 | $1,655 |
| Driving At A Considerably Slow Pace | +$326 | $1,826 |
| Using A Cellphone While Driving | +$344 | $1,844 |
| Running A Red Light | +$350 | $1,850 |
| Speeding | +$368 | $1,868 |
| Driving A Vehicle Without The Required Permission | +$467 | $1,967 |
| Driving With An Expired/Suspended License | +$1,011 | $2,511 |
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 | $1,440 |
| Active Disabling Device | $1,440 |
| Tracking Device | $1,410 |
| Passive Disabling Device | $1,395 |