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Get Cheap Car Insurance in Albany, GA
We monitor insurance prices, helping the average driver in Albany save up to 33.4% on car insurance.
The Cheapest Minimum Coverage in Albany
The chart below shows the cheapest car insurance company in Albany 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 Travelers, followed by Farm Bureau, State Farm, and Progressive.
| Albany Insurer | Monthly Cost |
|---|---|
| Travelers | $77 |
| Farm Bureau | $80 |
| State Farm | $87 |
| Progressive | $95 |
Savings for Every Kind of Albany Driver
Based on our extensive insurance data, we know the average Albany driver will save about 21% 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 $366 per year by choosing the right vehicle insurance company. Some Albany residents are paying out over $1,761 extra every year for auto insurance in Albany. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Albany, GA Savings / Yr. |
|---|---|
$366 |
|
$780 |
|
$538 |
|
$736 |
|
$2,144 |
|
$177 |
|
$757 |
Albany Car Insurance vs. Georgia
People living in Albany pay an average of 0.54% less than the typical driver in the state. The average driver in Albany can expect to pay about $1,172 per year, or $1,761 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Albany for most people.
Car Insurance Prices by Albany Neighborhood
Insurance Prices
Where is insurance cheapest within Albany?
The map shows insurance prices in and around Albany, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $725 per year within the city boundaries, with insurance premiums ranging from a high of $2,286 to a low of $1,561. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Albany.Pick the Best Car Insurance Company for You in Albany
The best car insurance provider for most drivers in Albany
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $366 over the average Albany car insurance company.
The best car insurance provider for Albany drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $780 over the competition.
The best car insurance company for Albany drivers with speeding tickets
>Travelers gave the average person with a speeding ticket the most savings, averaging $538 better than other car insurance companies.
The best auto insurance for Albany drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $736 less each year.
The least expensive car insurance company for new and young drivers in Albany
In Albany, Auto-Owners Insurance costs young drivers $2,144 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Albany
Farm Bureau gave the largest car insurance discounts to married couples, averaging $177 saved each year compared to an average Albany couple's premiums.
The cheapest car insurance in Albany for drivers with bad credit
The best Albany car insurance company for customer service
Recent price drops
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The cheapest large national provider in Albany
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Albany driver can expect to pay about $117 per month.
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, USAA has the best prices for married couples, drivers with bad credit, drivers with speeding tickets, drivers with accidents, drivers with a DUI conviction, good drivers, and young drivers.Auto Insurance Prices in and Around Albany
What Influences the Cost of Car Insurance in Albany?
On average, car insurance in Albany 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 city are influenced by the following factors:
- The average commute time in Albany is 24 minutes, which is far less than average for a driver in the state.
- Georgia state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Albany 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 D according to CrimeGrade.org.
- Albany is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Albany is $98 per month for minimum coverage and $147 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 Cities
- Radium Springs: Insurance costs 5.22% less
- Leesburg: Insurance costs 5.68% less
- Stocks: Insurance costs 4.49% less
- Oakland: Insurance costs 8.35% less
- Putney: Insurance costs 11.19% less
- Bridgeboro: Insurance costs 8.18% less
- Red Rock: Insurance costs 5.74% less
- Parkerville: Insurance costs 8.80% less
- Herod: Insurance costs 6.59% less
- Sylvester: Insurance costs 4.88% less
Cities with Similar Populations
- Washington: Insurance costs 22.83% less
- Troy: Insurance costs 78.08% more
- Virginia Beach: Insurance costs 28.51% less
- St. Louis: Insurance costs 9.60% more
- St. Cloud: Insurance costs 49.18% more
- Staten Island: Insurance costs 64.57% more
- San Francisco: Insurance costs 21.86% more
- San Diego: Insurance costs 13.52% more
- Fredericksburg: Insurance costs 28.85% less
- Chesapeake: Insurance costs 29.93% less