Cheapest Auto Insurance in Auburn, Alabama (2025)
With monthly liability rates as low as $48, National General is the cheapest car insurance company in Auburn.
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The overall average monthly cost of car insurance in Auburn, AL, is $96 — on par with the state average of $98 and below the national average of $144 per month. Though it’s growing quickly, Alabama still has a moderate population density when compared to other states. And Auburn has a relatively low property crime rate, which could also contribute to its lower car insurance costs.
Here’s what you need to know about comparing quotes and finding cheap coverage in Auburn.
3 of the cheapest car insurance companies in Auburn
The best car insurance company for you will depend on your situation and needs, and the costs will vary depending on factors like your age, gender, and driving history. That’s why it’s important to shop around and compare auto insurance quotes from multiple companies.
You may want to work with an independent agent to find the best auto policy for you. Here’s a look at three of the cheapest car insurance companies in Auburn; rates shown in the table are Alabama rates.
Best insurer for veterans: USAA
Best insurer for teen drivers: State Farm
Best insurer for drivers with an accident: Auto-Owners
How to get the cheapest car insurance in Auburn
Your driving history is the biggest factor determining how much you pay for car insurance. But insurance companies also consider factors like your credit history, age, and ZIP code.
Here are five ways to get cheap car insurance in Auburn:2
Take advantage of discounts. Most insurers offer discounts to help lower the cost of car insurance. For example, you could earn a discount by bundling your auto insurance, home insurance, life insurance, and renters insurance. You could also receive a discount for insuring multiple vehicles, completing a defensive driving course, or keeping your mileage low.
Increase your deductible. When you file an insurance claim, you’ll pay an out-of-pocket deductible before your coverage kicks in. Choosing a higher deductible will lower your monthly premiums since you’re sharing the risk with your insurer. Just make sure you can comfortably afford to pay the deductible amount you choose.
Choose a safer vehicle. Many insurance companies offer a discount for choosing a vehicle with certain safety features, like anti-theft devices, anti-lock brakes, or airbags.
Reduce coverage on older vehicles. If you drive a vehicle that’s more than 10 years old and paid in full, you can save money by reducing your coverage to liability insurance. But it’s a good idea to speak with a licensed insurance agent before making these kinds of policy changes.
Shop around. Most insurance companies consider the same factors when evaluating you for auto insurance, but each one does it in a slightly different way. Comparing auto insurance quotes from multiple insurers will help you find the best rates and terms on your insurance.
Cheapest liability-only car insurance in Auburn: National General
Liability insurance pays for medical costs and damages to the other driver’s vehicle following an accident you caused. But you’re responsible for paying for your own medical bills and car repairs.
Liability-only car insurance in Auburn costs $62 per month, on average. The following table outlines the cheapest options for Auburn drivers.
Cheapest full-coverage car insurance in Auburn: USAA
Full-coverage car insurance includes comprehensive, collision, and liability coverage, and it provides the most protection for drivers. This coverage covers the cost to repair or replace your vehicle following an accident, regardless of who’s at fault.
In Auburn, full-coverage car insurance costs an average of $130 per month. The following insurers offer the cheapest full-coverage car insurance rates in Auburn.
Car insurance requirements in Alabama
Driving without car insurance is a misdemeanor under Alabama car insurance laws, and the first offense can result in a $500 fine. Subsequent offenses could result in a $1,000 fine and losing your license for up to six months.3
You can avoid these penalties by meeting the following minimum insurance requirements:4
You can also choose a combined single limit of $75,000 per accident. But these insurance requirements are fairly low and won’t be enough coverage for most people. You may want to consider the following additional coverage options:
Cheapest car insurance for drivers with an incident
Drivers with a history of speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations pay more for car insurance. The more driving incidents you have on your record, the more likely you are to file a claim in the future.
To compensate for this risk, insurers raise your monthly premiums. Here’s what you might pay for minimum coverage auto insurance in Auburn based on your driving record.
Average cost of car insurance by age
Teen drivers ages 16 to 19 are at a higher risk of motor vehicle crashes than any other age group, so they pay the highest rates for car insurance. They also have a fatal crash rate that’s nearly three times as high as drivers older than 20.5
As drivers age and get more experience behind the wheel, they’ll begin to see their car insurance rates drop. Rates decrease significantly around age 35, but they start to increase slightly for senior drivers around age 70.
Here’s what Auburn drivers pay for car insurance, on average, by age group.
Auburn car insurance quotes by credit tier
Alabama allows insurance companies to use your credit-based insurance score when determining your premiums.6 That’s because drivers with poor credit are statistically more likely to file an insurance claim than drivers with good credit history.
The chart below shows average monthly quotes in Auburn by credit tier: