Cheap Car Insurance in Auburn, AL

Located in Lee County, Alabama, Auburn is a city of over 76,000 residents. Situated along the eastern edge of the state near the Georgia border, the first settlers to the area arrived in 1832. The city is home to a booming high-tech research industry and is known for its collection of art museums and performance halls.

Auburn is arguably best known for being home to Auburn University, one of the powerhouse schools of collegiate sports. As of 2022, the total enrollment for the university was nearly 32,000 students. If you live or plan on traveling to Auburn, be sure to see our guide on car insurance in Alabama.

In Auburn, you can expect to pay $120 each month on average for full coverage car insurance. This monthly expense is less than the national average for full coverage. Alternatively, you could just purchase the state-required minimum coverage, which will cost you roughly $33 per month. That average cost is less than the national average of $47 monthly.

It is natural to want to keep the cost of your car insurance as low as possible. However, there are risks that come with only carrying the minimum amount of liability coverage required by law. If you are in an accident with minimum coverage, you could be required to pay any damages above the amount your policy is required to pay for out of pocket.

What Does Full vs. Minimum Insurance Mean?

You have a lot of options when it comes to purchasing auto insurance. You get the chance to not only select the type of policy coverage, but also the value of that policy. One of the decisions you will make is selecting either full coverage or the minimum amount of liability coverage.

Full coverage—as the name implies—covers everything that happens in an accident. Not only does it pay for damage to the other driver if you are at fault, but it also covers your own losses. However, full coverage is optional. The state only requires a minimum level of liability insurance. Liability insurance pays for damage you cause to other drivers in an accident, but it will not pay for your own losses.

How Many Fatal Accidents Happen in Auburn?

Fatal traffic accidents are an unfortunate reality in Auburn. However, the number of fatal accidents has dropped in recent years. In 2021, there was only one fatality in Auburn for the entire year. This was a significant drop from 2020, which had six traffic deaths. It was also the lowest number of traffic fatalities in the five years preceding.

How Are the Road Infrastructure and Bridges in Auburn, AL?

In Auburn, infrastructure issues are overseen by the city’s public works department. Within the public works department, the transportation and infrastructure division not only maintains and designs roadways but also handles requests for sidewalks and traffic calming.

Auburn University is growing, and the city is growing along with it. On campus, extensive construction completed in recent years has extended major roadways, including Auburn Road. This expansion has also included associated utilities tied to the street.

For most people, bringing down the cost of your car insurance is important. While everyone wants the best possible coverage available, they also want that coverage that fits within their budget. One of the best ways to secure cost-effective insurance is through qualifying for as many discounts as possible. Some of the discounts include:

Another way to save money is by bundling policies with the same insurance provider. For example, you could secure a discount on your home insurance if you also purchase car insurance.