Albany, GA Auto Insurance (2024)
The average Albany, GA auto insurance rates are $382 per month. The minimum auto insurance in Albany is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Albany, Georgia, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Albany is 17.8 minutes
- The cheapest auto insurance company in Albany is Geico
- The most expensive auto insurance company in Albany for teen drivers is Liberty Mutual
Albany, Georgia auto insurance requirements are 25/50/25 according to Georgia auto insurance laws. Finding cheap auto insurance in Albany can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Albany, Georgia, including driving record, credit, commute time, and more.
Compare auto insurance in Albany to other Georgia cities, including Johns Creek auto insurance rates, Columbus auto insurance rates, and Alpharetta auto insurance rates to see how Albany, Georgia auto insurance rates stack up.
Before you buy Albany, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Albany, Georgia auto insurance quotes.
Minimum Auto Insurance in Albany, Georgia
Albany, Georgia auto insurance laws require that you have at least the Georgia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Albany, Georgia.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Albany, Georgia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Albany, Georgia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,757 | $2,757 | $2,647 | $2,647 | $6,385 | $8,193 | $3,080 | $3,360 |
| Geico | $1,625 | $1,604 | $1,574 | $1,574 | $4,838 | $5,790 | $2,089 | $2,325 |
| Liberty Mutual | $5,092 | $5,545 | $4,174 | $4,746 | $21,788 | $24,341 | $5,384 | $5,719 |
| Nationwide | $3,168 | $3,276 | $3,159 | $3,467 | $9,750 | $12,519 | $3,857 | $4,176 |
| Progressive | $2,726 | $2,499 | $2,344 | $2,468 | $8,629 | $9,554 | $3,142 | $3,277 |
| State Farm | $2,007 | $2,007 | $1,804 | $1,804 | $5,367 | $7,063 | $2,204 | $2,376 |
| USAA | $1,657 | $1,655 | $1,548 | $1,550 | $5,984 | $7,063 | $2,061 | $2,274 |
Cheap Albany, Georgia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Albany, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Albany, Georgia.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,385 | $8,193 |
| Geico | $4,838 | $5,790 |
| Liberty Mutual | $21,788 | $24,341 |
| Nationwide | $9,750 | $12,519 |
| Progressive | $8,629 | $9,554 |
| State Farm | $5,367 | $7,063 |
| USAA | $5,984 | $7,063 |
Cheap Albany, Georgia Auto Insurance for Seniors
What are senior auto insurance rates in Albany, Georgia? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,647 | $2,647 |
| Geico | $1,574 | $1,574 |
| Liberty Mutual | $4,174 | $4,746 |
| Nationwide | $3,159 | $3,467 |
| Progressive | $2,344 | $2,468 |
| State Farm | $1,804 | $1,804 |
| USAA | $1,548 | $1,550 |
Cheap Albany, Georgia Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Albany, Georgia compared to the annual auto insurance rates with a clean record in Albany, Georgia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,272 | $5,093 | $4,103 | $3,445 |
| Geico | $1,805 | $2,260 | $4,622 | $2,023 |
| Liberty Mutual | $7,295 | $9,958 | $11,440 | $9,701 |
| Nationwide | $4,186 | $4,911 | $7,521 | $5,068 |
| Progressive | $3,379 | $5,994 | $4,009 | $3,936 |
| State Farm | $2,803 | $3,354 | $3,079 | $3,079 |
| USAA | $2,280 | $2,889 | $4,185 | $2,542 |
Cheap Albany, Georgia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Albany, Georgia is not easy. Compare the annual rates for DUI auto insurance in Albany, Georgia to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,103 |
| Geico | $4,622 |
| Liberty Mutual | $11,440 |
| Nationwide | $7,521 |
| Progressive | $4,009 |
| State Farm | $3,079 |
| USAA | $4,185 |
Cheap Albany, Georgia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Albany, Georgia annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,164 | $3,581 | $3,190 |
| Geico | $3,367 | $2,367 | $2,298 |
| Liberty Mutual | $13,744 | $8,438 | $6,614 |
| Nationwide | $6,424 | $5,239 | $4,602 |
| Progressive | $4,876 | $4,215 | $3,898 |
| State Farm | $4,363 | $2,718 | $2,155 |
| USAA | $3,864 | $2,727 | $2,331 |
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Cheap Albany, Georgia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Albany, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Albany, Georgia to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 31701 | $4,519 |
| 31705 | $4,337 |
| 31707 | $4,448 |
| 31721 | $4,416 |
Cheap Albany, Georgia Auto Insurance Rates By Commute
Commute length and annual mileage affect Albany, Georgia auto insurance. Find the cheapest annual Albany, Georgia auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,887 | $4,070 |
| Geico | $2,632 | $2,723 |
| Liberty Mutual | $9,599 | $9,599 |
| Nationwide | $5,421 | $5,421 |
| Progressive | $4,330 | $4,330 |
| State Farm | $3,079 | $3,079 |
| USAA | $2,839 | $3,109 |
Cheap Albany, Georgia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Albany, Georgia? Check out the comparison of annual Albany, Georgia auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,611 | $4,029 | $4,295 |
| Geico | $2,484 | $2,690 | $2,858 |
| Liberty Mutual | $9,170 | $9,542 | $10,083 |
| Nationwide | $5,128 | $5,528 | $5,609 |
| Progressive | $3,942 | $4,255 | $4,792 |
| State Farm | $2,864 | $3,082 | $3,290 |
| USAA | $2,827 | $2,957 | $3,137 |
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Best By Category: Cheapest Auto Insurance in Albany, Georgia
Compare the cheapest auto insurance companies in Albany, Georgia in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Albany, Georgia Auto Insurance Companies
What auto insurance companies in Albany, Georgia are the cheapest? Compare the top Albany, Georgia auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,978 |
| Geico | $2,677 |
| Liberty Mutual | $9,599 |
| Nationwide | $5,421 |
| Progressive | $4,330 |
| State Farm | $3,079 |
| USAA | $2,974 |
What affects auto insurance rates in Albany, Georgia?
There are a lot of reasons why auto insurance rates in Albany, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Albany, Georgia. Many local factors may affect your Albany auto insurance rates.
Albany Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Albany, Georgia commute length is 17.8 minutes according to City-Data.
Albany Traffic
How does Albany, Georgia rank for traffic? According to Inrix Albany, Georgia is the 863rd most congested worldwide.
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Compare Albany, Georgia Auto Insurance Quotes
Before you buy Albany, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Albany, Georgia auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Albany, GA?
In Albany, GA, the minimum auto insurance requirements are liability coverage of at least 25/50/25. This means you need to have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
What factors can affect my auto insurance premiums in Albany, GA?
Eight factors that can affect your auto insurance premiums in Albany, GA. These may include:
- Driving record
- Age
- Gender
- Type of vehicle
- Annual mileage
- Credit history
- Coverage limits
- Deductible choices
Are there any additional auto insurance coverage options available in Albany, GA?
Yes, in addition to the mandatory liability coverage, there are various optional coverage options available in Albany, GA. Here are the five common among others:
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Rental car coverage
How can I find affordable auto insurance in Albany, GA?
To find affordable auto insurance in Albany, GA, you can consider the following four tips:
- Compare quotes from multiple insurance providers to get the best rate.
- Maintain a good driving record and avoid traffic violations.
- Opt for higher deductibles, as it can lower your premiums.
- Ask about discounts for which you may be eligible, such as multi-policy, safe driver, or student discounts.
What should I do after an auto accident in Albany, GA?
After an auto accident in Albany, GA, follow these six steps:
- Ensure everyone’s safety and seek medical attention if necessary.
- Exchange insurance and contact information with the other driver(s) involved.
- Notify the police and file an accident report.
- Document the accident scene by taking photos and gathering witness statements, if possible.
- Notify your insurance company and provide them with accurate details of the accident.
- Cooperate with the insurance claims process and follow any instructions provided.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.