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Get Cheap Car Insurance in Albany County, NY

We monitor insurance prices, helping the average driver in Albany County save up to 32.6% on car insurance.

 

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The Cheapest Minimum Coverage in Albany County

The chart below shows the cheapest car insurance company in Albany County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.

 
Albany County Insurer Monthly Cost
Kemper $87
Plymouth Rock Assurance $116
Safeco Insurance $124
Geico $130

Savings for Every Kind of Albany County Driver

The table shows how much the average auto insurance customer in Albany County might save by following our recommendations.

Based on our extensive insurance data, we know the average Albany County driver will save about 30% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $704 per year by choosing the right vehicle insurance company. Some Albany County residents are paying out over $2,362 extra every year for auto insurance in Albany County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Albany County, NY Savings / Yr.
Drivers with good records
$704
Drivers with accidents
$449
Drivers with speeding tickets
$897
Drivers with a DUI conviction
$908
Young drivers
$2,223
Married drivers
$744
Drivers with bad credit
$1,185

Albany County Car Insurance vs. New York

People living in Albany County pay an average of 2.62% less than the typical driver in the state. The average driver in Albany County can expect to pay about $1,713 per year, or $2,362 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Albany County for most people.

Car Insurance Prices by Albany County Neighborhood

Albany County, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Albany County?

The map shows insurance prices in and around Albany County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,144 per year within the county boundaries, with insurance premiums ranging from a high of $3,206 to a low of $2,062. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Albany County.

Pick the Best Car Insurance Company for You in Albany County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Albany County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Albany County

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $704 over the average Albany County car insurance company.

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We use the average good driver, paying $138 per month, as our baseline for pricing in Albany County. Kemper, Erie Insurance, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Albany County drivers with accidents on their records

In Albany County getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,492. That's $130 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $449 over the competition.

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The best car insurance company for Albany County drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $897 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Albany County, tickets raise premiums on new quotes about $509. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,871 per year.

The best auto insurance for Albany County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,248 per year in auto insurance premiums, which was $886 more than a driver with no major issues. Progressive, Travelers, and Plymouth Rock Assurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $908 less each year.

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The least expensive car insurance company for new and young drivers in Albany County

In Albany County, Progressive costs young drivers $2,223 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in Albany County. With an average cost of $6,958 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Progressive try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Albany County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $81. State Farm, Geico, and Progressive provided the largest discounts to couples living in Albany County.

Progressive gave the largest car insurance discounts to married couples, averaging $744 saved each year compared to an average Albany County couple's premiums.

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The cheapest car insurance in Albany County for drivers with bad credit

People with poor credit saved an average of $1,185 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,499 every year. Premiums for people with poor credit were about $3,860 in Albany County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Allstate, and Plymouth Rock Assurance.

The best Albany County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Albany County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Albany County.

Nationwide was the best company for customer service in Albany County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Albany County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Albany County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Albany County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 42% of Albany County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Albany County driver can expect to pay about $183 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Albany County, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.
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Auto Insurance Prices in and Around Albany County

What Influences the Cost of Car Insurance in Albany County?

On average, car insurance in Albany County is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Albany County is 25 minutes, which is far less than average for a driver in the state.
  • New York state insurance regulations may require higher prices.
  • An average of 10 to 11 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Albany County are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
  • Albany County is one of the least populated areas in the state. The county’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Albany County is $143 per month for minimum coverage and $197 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Albany County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Albany County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.