Auburn drivers pay an average of $1,124/year — $647 less than the national average. With 284 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $272/year.
(888) 217-6781Estimated full coverage auto insurance rates for Auburn, ME from top carriers. Rates are adjusted for Auburn's 284 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $371 | $62/mo |
| GEICO | $429 | $71/mo |
| Progressive | $481 | $80/mo |
| State Farm | $528 | $88/mo |
| Allstate | $638 | $106/mo |
Estimates based on 2026 rate filings for ZIP 04210. USAA is cheapest at ~$62/mo. Actual rates vary by driver profile and exact Auburn location.
These Auburn-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Auburn, ME. Takes under 2 minutes.
(888) 217-6781Auburn is a smaller city in Maine with a population of 24,061. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as blizzards, nor'easters, ice, wildlife crossings, coastal storms, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Auburn.
For official Maine insurance regulations, visit the Maine Bureau of Insurance. For driver licensing, see the Maine BMV.
Your specific ZIP code within Auburn can swing your premium by hundreds of dollars. Here's how rates compare across Auburn neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 04222 | Auburn South Side | $1,054/yr | $88/mo |
| 04211 | Auburn North Side | $1,070/yr | $89/mo |
| 04222 | Auburn West Side | $1,102/yr | $92/mo |
| 04220 | Auburn East Side | $1,159/yr | $97/mo |
| 04210 | Auburn Downtown/Central | $1,231/yr | $103/mo |
The cheapest ZIP is 04222 (Auburn South Side) at $1,054/yr. The most expensive is 04210 (Auburn Downtown/Central) at $1,231/yr — a $177/year difference for the same driver.
Your Auburn ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Auburn. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,360/yr | $197/mo | +110% vs avg |
| Young Adult (20-25) | $1,574/yr | $131/mo | +40% vs avg |
| Adult (26-35) | $1,124/yr | $94/mo | 0% vs avg |
| Mid-Career (36-50) | $989/yr | $82/mo | -12% vs avg |
| Senior (51-65) | $933/yr | $78/mo | -17% vs avg |
| 65+ | $1,000/yr | $83/mo | -11% vs avg |
Teens in Auburn pay an average of $2,360/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $933/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Maine cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Auburn drivers can save up to $272/year. ZIP 04222 (Auburn South Side) has the lowest rates starting at $1,054/yr.
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