Auburn Car Insurance

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Written by Trusted Choice

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Auburn, Alabama is home to historic Auburn University. It is the fastest-growing metropolitan area in Alabama. On the increasingly congested roads in Auburn, accidents can and do happen at any time. That’s why Auburn drivers need car insurance. An auto insurance policy helps you recover financially after an accident. It pays to repair or replace damaged vehicles. And if you’re at fault, it can help you reimburse other drivers for any vehicle damage or injuries that you caused. 

Independent insurance agents make shopping for the right car insurance policy easy. Independent agents can work with multiple insurance companies, so you can compare quotes and make sure you are getting the high-quality, best-value coverage you desire. 

Alabama Car Insurance Requirements

Alabama requires every driver to have a minimum amount of auto insurance. Drivers without the required coverage face stiff fines. In order to comply with Alabama law, drivers must have the following coverage, at a minimum: 

· Bodily injury liability: Required

· Property damage liability: Required

· Personal injury protection (PIP): Not required

· Uninsured motorist coverage: Not required

· Minimum liability limits: 25/50/25; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $25,000 coverage for property damage

Talk to an agent about the importance of purchasing more than the minimum liability insurance required by the state. The minimum coverage may be enough to cover damage from a minor accident. But if you cause a serious accident, the minimum coverage likely won’t protect you. If you don’t have enough coverage, you’ll have to pay out of pocket for expenses that exceed your coverage limits. And if you’re sued for additional damages, the financial consequences can be devastating. Purchasing higher liability insurance limits is usually the best way to ensure you are protected. An independent agent can help you decide what coverage limits are best for you and your family.

How Much Does Auto Insurance Cost in Auburn, Alabama?

Alabama is the 22nd most expensive state for car insurance. Car insurance costs in Alabama are similar to the national average but are higher in Auburn. If you want to save on car insurance in Auburn, it’s important to shop around for the best rate. 

  • National average annual car insurance cost: $1,311
  • Alabama average annual car insurance cost: $1,320
  • Auburn average annual car insurance cost: $1,500

Remember, everyone’s car insurance rates are a little different. Insurance companies evaluate the risks you present and base your rates on how likely you are to file a claim. Several individual factors are assessed, including:

  • The make, mode, and year of the vehicle(s) you are insuring
  • Your age, marital status and gender
  • Your driving record, claims history and credit score
  • Information about other licensed drivers in your household
  • Auto theft rates in your city or zip code
  • The amount of liability coverage you are purchasing and the deductibles you choose
  • Whether you own or rent your home

Most insurance companies offer numerous discounts to help you keep costs down. Bundling your home insurance or renters insurance with your auto insurance is one way to earn a discount from most insurance companies. Contact an independent agent in Auburn to obtain and compare customized quotes from multiple, highly rated insurance companies. 


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Number of Uninsured Motorists in Alabama

Driving without insurance is against the law in Alabama, yet many drivers continue to drive without coverage. Uninsured drivers in Alabama face a $200 fine for the first offense, $300 for the second offense, and $400 for the third and any subsequent offenses. Failure to pay the fine will result in a suspended license. The state of Alabama recently enacted these new, stronger penalties in an attempt to combat the high number of uninsured drivers in the state. Alabama has the 6th highest percentage of uninsured drivers in the U.S.

  • How many US drivers are uninsured? 13%
  • How many Alabama drivers are uninsured? 18.4%.

If you are in an accident that is caused by an uninsured driver, it may be difficult or impossible to collect what the other driver owes you for repairs and medical bills. Uninsured motorist insurance was created to ensure that you can receive compensation without the need to take the at-fault driver to court. Uninsured motorist coverage is optional in Alabama, but with so many uninsured drivers on the road, going without could be a serious mistake.

Number of Auto Thefts in Alabama

The auto theft rate in Auburn is lower than in Alabama and the US overall. But around 78 cars are stolen in Auburn each year, on average, which means drivers still need to take precautions and be sure they have the right coverage for auto theft.

  • National auto theft rate per 1,000 vehicles: 2.28
  • Alabama auto theft rate per 1,000 vehicles: 2.68
  • Auburn auto theft rate per 1,000 vehicles: 1.24

If your car is stolen or vandalized, you need comprehensive coverage to reimburse you for your lost or damaged car. Comprehensive coverage also helps you pay if falling objects, floods, structure fires, or other hazards cause damage to your car.  An independent agent in Auburn can help you review the cost to include this coverage in your policy.

Why Contact an Independent Insurance Agent?

Vehicle owners in Auburn can ask an independent insurance agent for help finding the best auto insurance. Independent agents can obtain quotes from multiple insurance companies, so you can choose a policy that best meets your coverage and budgetary needs. 

Contact an agent near you to start comparing customized car insurance quotes. 

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