Albany, MO Auto Insurance (2024)
The average Albany, MO auto insurance rates are $271 per month. The minimum auto insurance in Albany is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Albany, Missouri, 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 16.2 minutes
- The most expensive auto insurance company in Albany for teen drivers is Farmers
- The cheapest auto insurance company in Albany is Nationwide
Albany, Missouri auto insurance requirements are 25/50/25 according to Missouri 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, Missouri, including driving record, credit, commute time, and more.
Compare auto insurance in Albany to other Missouri cities, including Kansas City auto insurance rates, Lee’s Summit auto insurance rates, and O’Fallon auto insurance rates to see how Albany, Missouri auto insurance rates stack up.
Before you buy Albany, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Albany, Missouri auto insurance quotes.
Minimum Auto Insurance in Albany, Missouri
Albany, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Albany, Missouri.
| 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, Missouri Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Albany, Missouri 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 | $2,854 | $2,764 | $2,566 | $2,647 | $7,916 | $8,591 | $2,737 | $2,829 |
| American Family | $2,141 | $2,141 | $1,900 | $1,900 | $5,644 | $7,378 | $2,141 | $2,527 |
| Farmers | $2,312 | $2,303 | $2,071 | $2,187 | $9,201 | $9,507 | $2,631 | $2,759 |
| Geico | $2,009 | $2,221 | $1,556 | $1,927 | $5,934 | $6,311 | $1,888 | $1,926 |
| Liberty Mutual | $2,616 | $2,841 | $2,157 | $2,419 | $8,499 | $9,439 | $2,766 | $2,963 |
| Nationwide | $1,482 | $1,525 | $1,315 | $1,407 | $3,685 | $4,778 | $1,686 | $1,839 |
| Progressive | $2,143 | $2,030 | $1,754 | $1,798 | $6,464 | $7,294 | $2,625 | $2,694 |
| State Farm | $1,690 | $1,690 | $1,479 | $1,479 | $4,434 | $5,645 | $1,889 | $2,132 |
| USAA | $1,523 | $1,516 | $1,356 | $1,392 | $4,422 | $5,416 | $1,911 | $2,134 |
Cheap Albany, Missouri Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Albany, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Albany, Missouri.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,916 | $8,591 |
| American Family | $5,644 | $7,378 |
| Farmers | $9,201 | $9,507 |
| Geico | $5,934 | $6,311 |
| Liberty Mutual | $8,499 | $9,439 |
| Nationwide | $3,685 | $4,778 |
| Progressive | $6,464 | $7,294 |
| State Farm | $4,434 | $5,645 |
| USAA | $4,422 | $5,416 |
Cheap Albany, Missouri Auto Insurance for Seniors
What are senior auto insurance rates in Albany, Missouri? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,566 | $2,647 |
| American Family | $1,900 | $1,900 |
| Farmers | $2,071 | $2,187 |
| Geico | $1,556 | $1,927 |
| Liberty Mutual | $2,157 | $2,419 |
| Nationwide | $1,315 | $1,407 |
| Progressive | $1,754 | $1,798 |
| State Farm | $1,479 | $1,479 |
| USAA | $1,356 | $1,392 |
Cheap Albany, Missouri 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, Missouri compared to the annual auto insurance rates with a clean record in Albany, Missouri.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,531 | $3,980 | $4,947 | $3,994 |
| American Family | $2,465 | $3,478 | $4,161 | $2,782 |
| Farmers | $3,590 | $4,417 | $4,323 | $4,156 |
| Geico | $2,388 | $3,000 | $3,932 | $2,565 |
| Liberty Mutual | $3,078 | $4,378 | $4,536 | $4,858 |
| Nationwide | $1,770 | $2,232 | $2,933 | $1,924 |
| Progressive | $2,959 | $3,817 | $3,233 | $3,392 |
| State Farm | $2,379 | $2,731 | $2,555 | $2,555 |
| USAA | $1,998 | $2,393 | $3,276 | $2,169 |
Cheap Albany, Missouri Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Albany, Missouri is not easy. Compare the annual rates for DUI auto insurance in Albany, Missouri to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,947 |
| American Family | $4,161 |
| Farmers | $4,323 |
| Geico | $3,932 |
| Liberty Mutual | $4,536 |
| Nationwide | $2,933 |
| Progressive | $3,233 |
| State Farm | $2,555 |
| USAA | $3,276 |
Cheap Albany, Missouri Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Albany, Missouri annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,671 | $3,651 | $3,016 |
| American Family | $4,215 | $2,958 | $2,491 |
| Farmers | $4,717 | $3,919 | $3,728 |
| Geico | $4,104 | $2,672 | $2,137 |
| Liberty Mutual | $6,060 | $3,676 | $2,901 |
| Nationwide | $2,622 | $2,149 | $1,873 |
| Progressive | $3,889 | $3,207 | $2,955 |
| State Farm | $3,363 | $2,325 | $1,977 |
| USAA | $4,127 | $1,897 | $1,352 |
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Cheap Albany, Missouri Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Albany, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Albany, Missouri to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 64402 | $2,676 |
Cheap Albany, Missouri Auto Insurance Rates By Commute
Commute length and annual mileage affect Albany, Missouri auto insurance. Find the cheapest annual Albany, Missouri auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,113 | $4,113 |
| American Family | $3,189 | $3,254 |
| Farmers | $4,121 | $4,121 |
| Geico | $2,910 | $3,032 |
| Liberty Mutual | $4,212 | $4,212 |
| Nationwide | $2,215 | $2,215 |
| Progressive | $3,350 | $3,350 |
| State Farm | $2,493 | $2,617 |
| USAA | $2,369 | $2,548 |
Cheap Albany, Missouri Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Albany, Missouri? Check out the comparison of annual Albany, Missouri auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,976 | $4,105 | $4,258 |
| American Family | $3,148 | $3,325 | $3,191 |
| Farmers | $3,885 | $4,087 | $4,392 |
| Geico | $2,815 | $2,987 | $3,111 |
| Liberty Mutual | $3,993 | $4,231 | $4,413 |
| Nationwide | $2,095 | $2,233 | $2,316 |
| Progressive | $3,049 | $3,358 | $3,644 |
| State Farm | $2,428 | $2,561 | $2,675 |
| USAA | $2,371 | $2,452 | $2,554 |
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Best By Category: Cheapest Auto Insurance in Albany, Missouri
Compare the cheapest auto insurance companies in Albany, Missouri in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | Nationwide |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
The Cheapest Albany, Missouri Auto Insurance Companies
What auto insurance companies in Albany, Missouri are the cheapest? Compare the top Albany, Missouri auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,113 |
| American Family | $3,221 |
| Farmers | $4,121 |
| Geico | $2,971 |
| Liberty Mutual | $4,212 |
| Nationwide | $2,215 |
| Progressive | $3,350 |
| State Farm | $2,555 |
| USAA | $2,459 |
What affects auto insurance rates in Albany, Missouri?
There are a lot of reasons why auto insurance rates in Albany, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Albany, Missouri. 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, Missouri commute length is 16.2 minutes according to City-Data.
Albany Traffic
How does Albany, Missouri rank for traffic? According to Inrix Albany, Missouri is the 863rd most congested worldwide.
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Compare Albany, Missouri Auto Insurance Quotes
Before you buy Albany, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Albany, Missouri auto insurance quotes.
Frequently Asked Questions
What should I do if I’m involved in an auto accident in Albany, MO?
If you’re involved in an auto accident in Albany, MO, follow these six steps:
- Ensure your safety and the safety of others involved.
- Call emergency services if necessary.
- Exchange information with the other driver(s) involved, including names, contact details, and insurance information.
- Document the accident scene by taking photos and gathering witness information.
- Notify your insurance company as soon as possible to report the accident.
- Cooperate with the insurance company’s investigation and provide any requested documentation or information.
How are auto insurance premiums determined in Albany, MO?
Auto insurance rates in Albany, MO are determined by various factors, including the following eight common ones:
- Driving record
- Age
- Gender
- Marital status
- Type of vehicle
- Annual mileage
- Credit history
- Coverage options you choose
Insurance companies also consider local factors such as the area’s crime rate and accident statistics.
Can I customize my auto insurance coverage in Albany, MO?
Yes, you can customize your auto insurance coverage in Albany, MO. Insurance providers offer various optional coverages and add-ons, such as collision coverage, comprehensive coverage, rental reimbursement, roadside assistance, and more. These can be added to your policy to enhance your protection and tailor it to your specific needs.
What is uninsured/underinsured motorist coverage?
Uninsured/underinsured motorist (UM/UIM) coverage protects you if you’re involved in an accident with a driver who either doesn’t have insurance or doesn’t have enough insurance to cover the damages. It helps pay for your medical expenses, lost wages, and other damages caused by the at-fault party.
What does liability insurance cover?
Liability insurance covers the cost of injuries or property damage caused to others in an accident where you are at fault. It includes bodily injury liability, which covers medical expenses, lost wages, and legal fees, and property damage liability, which covers the cost of repairing or replacing damaged property.
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.