Best Auto Insurance Rates in Auburn, Washington

Compare Auto Insurance in Auburn

Thursday, January 10 2019 By Shantae Young

Auburn, Washington, is strategically located between two of Washington's biggest cities: Seattle and Tacoma. It’s also near two rivers: White River and Green River.

Combine that with the fact that Auburn is split between two counties and it’s easy to see it’s a city of twos.

Thankfully, that doesn’t extend to the car insurance options that are available to area drivers. Residents here have many choices when it comes to car insurance policies. Let QuoteWizard help you decide which one is best by connecting you to agents from a number of companies.

Average Auburn Car Insurance Rates

How much is car insurance in Auburn, WA? Local drivers pay a lot for car insurance. A big reason for that is the city has one of the highest vehicle theft rates in the nation. It’s also been named one of the cities with the worst vehicle theft rates. The average cost of auto insurance in Washington is $884.24 per year. The national average price is $889.01.

Prices will vary depending on your driving history and the number of claims filed in your zip code.

The graph below shows the change in Washington's average auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $806 in 2011 to $884 in 2015, a jump of $78, or 9.70 percent.

QuoteWizard helps Auburn residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Auburn, Washington and save up to 40% on your premium.

Last year, 2,029 people used QuoteWizard to compare auto insurance quotes in Auburn, WA from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Auburn, WA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Auburn, Washington last year. Of the 2,029 drivers who used QuoteWizard to compare rates, 153 were not insured.

Top 10 Vehicles

These are the most common car makes and models owned by Auburn, WA drivers requesting quotes through QuoteWizard last year.

Minimum Car Insurance Requirements in Auburn, WA

Auburn, Washington has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:

• Individual Bodily Injury Liability (BIL): $25,000.
  The most your insurance company will pay for an individual person injured in a car accident.
• Total Bodily Injury Liability: $50,000.
  The total your carrier will pay in total for every person injured in a car accident.
• Property Damage Liability (PDL): $10,000.
  The maximum your insurer will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence insurance rates.

Weather

The best way to describe Auburn’s weather and climate: comfortable. The summers here are mild. Yet warm. Sunny days are nearly as common as ones that aren’t sunny. In addition, summer temperatures often top 80 degrees. Winters in Auburn are short and rarely produce snow. On average, the city sees 158 days with measurable precipitation. Most of it is rain. In fact, 40 inches of it fall annually.

Road Conditions

Road conditions are a big problem for of residents of the Greater Seattle area. According to TRIP, 42% of its major roads are in poor condition. These poor street conditions cost local drivers an additional $693 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

Traffic in your city or town can affect your car insurance rates in a big way. The number of people traveling between Renton and Auburn decreased by less than one percent from 2012 to 2014. On the other hand, traffic delays increased by 30 percent on SR-167 during that period. Traffic in the King/Pierce County area is among the worst in the country.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a non-preferred driver. This will lead to higher insurance rates.

Traffic/Parking Tickets

The King County District Court website allows residents to pay traffic tickets, tells drivers how to contest tickets and set hearing dates, and provides other helpful traffic court information.

The Auburn Police Department issued 5,926 traffic citations in 2016. That’s a five percent increase from the 5,643 traffic tickets issued in 2015.

DUI Arrests

Auburn Police arrested 123 adults for suspicion of DUI in 2016.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local insurance agents from top insurance companies that specialize in Auburn DUI insurance.

DWI Crashes and Injuries

Auburn reported 55 crashes involving alcohol or drugs in 2018. These accidents caused nine injuries and two fatalities.

Car Accident Statistics

Auburn officials reported 1,491 car crashes in 2018. These crashes resulted in 122 injuries, 32 of them serious.

Traffic Fatalities

Auburn officials reported six traffic collisions in 2018. All traffic deaths are a tragic loss, and considering the estimated population of 80,776 Auburn, WA is a safe city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Auburn Police Department investigated 728 motor vehicle thefts in 2017. That's a rate of 8.11 thefts per 1,000 residents--over three times the national average of 2.37 auto thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Auburn, WA.

1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
3. Keep your driving history clean. Drivers without tickets or accidents on their record pay lower rates
4. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
5. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
6. Are you married or getting married soon? Some insurers offer drivers a marriage discount

Sources:

• City of Auburn Washington
• Auburn WA Municipal Court
• United States Census Bureau - Auburn, WA
• Auburn Washington Crime Rates

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