Figuring out which insurers offer the cheapest auto insurance rates in Auburn will require a bit more effort in order to find the best price.
Every auto insurer has a proprietary method for determining prices, so let's look at the rankings for the auto insurance companies that tend to be cheaper in Washington. We do need to point out that Washington auto insurance rates are influenced by many factors that will increase or decrease the price of your policy. Improving your credit score, having a teenage driver, or getting caught speeding can trigger changes in premium that may make certain companies cheaper than competitors.
|Rank||Company||Cost Per Year|
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Capital quotes some of the lowest car insurance rates in Auburn at around $777 a year. Grange, PEMCO, Nationwide, and Travelers are also some of the most economical Auburn, WA car insurance companies.
As the rates illustrate above, if you are a customer of Nationwide and switched to Grange, you might see an annual premium reduction of roughly $143. Insureds with Travelers could save as much as $190 a year, and USAA customers might reduce rates by $222 a year.
Be aware that those prices are averaged across all ages of drivers and types of vehicles and and are not calculated with a vehicle location in Auburn. So the company that has the cheapest rates for you may not even be in the top 25 companies shown above. That helps illustrate why you need to get rate quotes using your own driver data and vehicle information.
One of the more important criteria that determine the amount you pay each year for auto insurance is where you live in Auburn. Cities with larger populations are more likely to pay higher prices, whereas areas with less congestion have the benefit of cheaper car insurance.
The information below shows the most expensive cities in Washington to purchase a policy in. Auburn shows up at #6 with the yearly price of $1,366 for the average policy, which is around $114 monthly.
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Information shown are estimated as specific location information can raise or lower auto insurance rates significantly.
The vehicle model on the policy is probably the biggest factor that determines the availability of the lowest-priced auto insurance in Auburn. Vehicles with higher performance characteristics, poor passenger safety features, or a track record of large liability claims will cost much more to insure than more modest models. The next list illustrates auto insurance rates for some of the most cost-effective vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,548|
|Honda CR-V EX 4WD||$1,585|
|Ford F-150 STX Regular Cab 2WD||$1,703|
|Ford Edge Limited 2WD||$1,797|
|Chevrolet Impala LS||$1,804|
|Dodge Grand Caravan Crew||$1,867|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,872|
|Ford Escape Limited 2WD||$1,944|
|Chevrolet Silverado LS Regular Cab 4WD||$1,952|
|GMC Sierra SLT Crew Cab 2WD||$1,963|
|Chevrolet Equinox LTZ AWD||$1,972|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$2,000|
|Nissan Rogue SL AWD||$2,059|
|Hyundai Sonata SE 4-Dr Sedan||$2,065|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$2,082|
|Toyota Camry Hybrid||$2,093|
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in specific location information which can alter coverage prices significantly.
Based on these rates, we can tell that makes and models like the Hyundai Elantra, Honda CR-V, Ford F-150, Ford Edge, and Chevrolet Impala will definitely be the less-costly vehicles to insure for drivers in Auburn.
Poor driving habits will raise your insurance rates
The best way to snag the most affordable insurance rates in Washington for drivers in Auburn is to drive carefully and avoid traffic citations and accidents. The information below illustrates how speeding tickets and fender-benders can affect annual premium costs for different categories of driver ages. The data is based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
In the chart above, the average cost of car insurance per year with no violations or accidents is $1,693. Add in two speeding tickets and the average cost increases to $2,246, an increase of $553 each year. Now get two accidents along with the two speeding tickets and the annual cost of insurance in Auburn goes up to an average of $4,206. That's an increase of $2,513, or $209 per month, just for not being more responsible behind the wheel!
Get discounts on Auburn insurance rates
Auto insurance companies that offer coverage in Auburn may have discounts that can lower rates by 30% or more if you meet specific criteria. Companies and a selection of discounts are detailed below.
- State Farm may include discounts for driver's education, multiple policy, passive restraint, Drive Safe & Save, and good student.
- American Family discounts include accident-free, defensive driver, bundled insurance, TimeAway discount, good student, and good driver.
- GEICO may have discounts that include air bags, anti-theft, driver training, multi-policy, and good student.
- 21st Century may offer discounts for 55 and older, good student, theft prevention, driver training, defensive driver, early bird, and homeowners.
- Progressive offers premium reductions for multi-vehicle, online quote discount, good student, multi-policy, and homeowner.
The chart below shows the difference between insurance costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or driving violations, Washington state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, passive restraint, anti-theft, accident-free, marriage, and multiple vehicle discounts applied. With discounts applied, the average savings per year on insurance in Auburn is 28% or $604.
Liability rates compared to full coverage
Lowering the price of insurance should be important to the majority of drivers, and one way to lower the cost of insurance in Auburn is to only pay for liability coverage. The chart below shows the difference between auto insurance costs with and without full coverage. The premiums assume no violations or claims, $250 deductibles, single marital status, and no discounts are factored in.
If we average all the age groups together, physical damage coverage on your policy costs $2,073 per year more than just buying liability insurance. That raises the question if you should buy full coverage. There isn't a steadfast formula of when to phase out physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let's assume your vehicle's replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after you pay the deductible. If it's costing you more than $600 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some situations where removing full coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should maintain full coverage.