Albany, NY Auto Insurance (2024)
The average Albany, NY auto insurance rates are $276 per month. The minimum auto insurance in Albany is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Albany, New York, 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 cheapest auto insurance company in Albany is Geico
- The minimum auto insurance required in Albany, New York is 25/50/10
- The average commute length in Albany is 19.0 minutes
Albany, New York auto insurance requirements are 25/50/10 according to New York 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, New York, including driving record, credit, commute time, and more.
Compare auto insurance in Albany to other New York cities, including Utica auto insurance rates, Schenectady auto insurance rates, and Albany auto insurance rates to see how Albany, New York auto insurance rates stack up.
Before you buy Albany, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Albany, New York auto insurance quotes.
Minimum Auto Insurance in Albany, New York
Albany, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Albany, New York.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Albany, New York Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Albany, New York 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 | $2,685 | $2,528 | $2,534 | $2,582 | $8,144 | $8,806 | $2,634 | $2,652 |
| Geico | $1,446 | $1,395 | $1,411 | $1,390 | $3,117 | $4,626 | $1,300 | $1,343 |
| Liberty Mutual | $3,353 | $3,353 | $3,125 | $3,125 | $6,539 | $10,591 | $3,353 | $3,555 |
| Nationwide | $2,041 | $2,041 | $1,929 | $1,929 | $3,658 | $5,430 | $2,041 | $2,598 |
| Progressive | $1,773 | $1,644 | $1,411 | $1,435 | $6,329 | $7,053 | $2,312 | $2,253 |
| State Farm | $1,972 | $1,972 | $1,726 | $1,726 | $5,969 | $7,697 | $2,176 | $2,314 |
| Travelers | $2,799 | $2,793 | $2,576 | $2,741 | $6,706 | $7,979 | $2,969 | $3,072 |
| USAA | $1,532 | $1,502 | $1,397 | $1,391 | $6,246 | $7,415 | $1,952 | $2,149 |
Cheap Albany, New York Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Albany, New York is a challenge. Take a look at the annual teen auto insurance rates in Albany, New York.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,144 | $8,806 |
| Geico | $3,117 | $4,626 |
| Liberty Mutual | $6,539 | $10,591 |
| Nationwide | $3,658 | $5,430 |
| Progressive | $6,329 | $7,053 |
| State Farm | $5,969 | $7,697 |
| Travelers | $6,706 | $7,979 |
| USAA | $6,246 | $7,415 |
Cheap Albany, New York Auto Insurance for Seniors
What are senior auto insurance rates in Albany, New York? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,534 | $2,582 |
| Geico | $1,411 | $1,390 |
| Liberty Mutual | $3,125 | $3,125 |
| Nationwide | $1,929 | $1,929 |
| Progressive | $1,411 | $1,435 |
| State Farm | $1,726 | $1,726 |
| Travelers | $2,576 | $2,741 |
| USAA | $1,397 | $1,391 |
Cheap Albany, New York 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, New York compared to the annual auto insurance rates with a clean record in Albany, New York.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,424 | $3,424 | $5,074 | $4,360 |
| Geico | $1,555 | $1,696 | $3,209 | $1,555 |
| Liberty Mutual | $3,689 | $3,689 | $7,431 | $3,689 |
| Nationwide | $2,080 | $2,080 | $4,546 | $2,127 |
| Progressive | $2,941 | $2,941 | $3,264 | $2,959 |
| State Farm | $3,038 | $3,038 | $3,351 | $3,351 |
| Travelers | $3,349 | $4,236 | $4,298 | $3,934 |
| USAA | $2,609 | $2,652 | $3,879 | $2,652 |
Cheap Albany, New York Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Albany, New York is not easy. Compare the annual rates for DUI auto insurance in Albany, New York to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,074 |
| Geico | $3,209 |
| Liberty Mutual | $7,431 |
| Nationwide | $4,546 |
| Progressive | $3,264 |
| State Farm | $3,351 |
| Travelers | $4,298 |
| USAA | $3,879 |
Cheap Albany, New York Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Albany, New York annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,840 | $3,422 | $2,950 |
| Geico | $2,511 | $1,844 | $1,656 |
| Liberty Mutual | $6,458 | $4,235 | $3,180 |
| Nationwide | $2,708 | $2,708 | $2,708 |
| Progressive | $4,764 | $2,485 | $1,829 |
| State Farm | $4,509 | $2,828 | $2,245 |
| Travelers | $5,442 | $3,437 | $2,984 |
| USAA | $4,508 | $2,300 | $2,036 |
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Cheap Albany, New York Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Albany, New York can vary. Compare the annual cost of auto insurance by ZIP code in Albany, New York to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 12202 | $3,434 |
| 12203 | $3,336 |
| 12204 | $3,399 |
| 12205 | $3,343 |
| 12206 | $3,445 |
| 12207 | $3,438 |
| 12208 | $3,329 |
| 12209 | $3,332 |
| 12210 | $3,445 |
| 12211 | $3,345 |
| 12222 | $3,333 |
| 12223 | $3,386 |
| 12226 | $3,386 |
| 12260 | $3,432 |
Cheap Albany, New York Auto Insurance Rates By Commute
Commute length and annual mileage affect Albany, New York auto insurance. Find the cheapest annual Albany, New York auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,015 | $4,126 |
| Geico | $1,944 | $2,063 |
| Liberty Mutual | $4,496 | $4,753 |
| Nationwide | $2,708 | $2,708 |
| Progressive | $3,026 | $3,026 |
| State Farm | $3,084 | $3,304 |
| Travelers | $3,954 | $3,954 |
| USAA | $2,919 | $2,977 |
Cheap Albany, New York Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Albany, New York? Check out the comparison of annual Albany, New York auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,825 | $4,056 | $4,331 |
| Geico | $1,899 | $2,003 | $2,110 |
| Liberty Mutual | $4,407 | $4,607 | $4,859 |
| Nationwide | $2,546 | $2,689 | $2,890 |
| Progressive | $2,876 | $3,014 | $3,189 |
| State Farm | $3,009 | $3,215 | $3,358 |
| Travelers | $3,766 | $3,923 | $4,174 |
| USAA | $2,855 | $2,933 | $3,055 |
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Best By Category: Cheapest Auto Insurance in Albany, New York
Compare the cheapest auto insurance companies in Albany, New York 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 | Geico |
| With 1 Speeding Violation | Geico |
The Cheapest Albany, New York Auto Insurance Companies
What auto insurance companies in Albany, New York are the cheapest? Compare the top Albany, New York auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,071 |
| Geico | $2,004 |
| Liberty Mutual | $4,624 |
| Nationwide | $2,708 |
| Progressive | $3,026 |
| State Farm | $3,194 |
| Travelers | $3,954 |
| USAA | $2,948 |
What affects auto insurance rates in Albany, New York?
There are a lot of reasons why auto insurance rates in Albany, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Albany, New York. 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, New York commute length is 19.0 minutes according to City-Data.
Albany Traffic
How does Albany, New York rank for traffic? According to Inrix Albany, New York is the 863rd most congested worldwide.
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Compare Albany, New York Auto Insurance Quotes
Before you buy Albany, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Albany, New York auto insurance quotes.
Frequently Asked Questions
How often should I review my auto insurance policy in Albany, NY?
It’s recommended to review your auto insurance policy in Albany, NY, at least once a year or whenever you experience a major life event. This will help ensure that your coverage still meets your needs and that you are taking advantage of any new discounts or options that may be available.
What should I do if my auto insurance claim is denied in Albany, NY?
If your auto insurance claim is denied in Albany, NY, you can take several steps. Review the denial letter and understand the reasons provided. If you believe the denial is unjustified, contact your insurance company and ask for a detailed explanation. You can also file a complaint with the New York State Department of Financial Services or seek legal advice if necessary.
How can I find affordable auto insurance in Albany, NY?
To find affordable auto insurance in Albany, NY, it’s recommended to shop around and compare quotes from multiple insurance companies. Consider bundling your policies, maintaining a good driving record, and opting for higher deductibles to potentially lower your premium. Working with an insurance agent or broker can also help you find competitive rates.
Can I add additional coverage to my auto insurance policy in Albany, NY?
Yes, you can add additional coverage options to your auto insurance policy in Albany, NY, depending on your needs. Common additional coverages include collision coverage (for damage to your vehicle in an accident), comprehensive coverage (for damage due to non-collision incidents), uninsured/underinsured motorist coverage, and medical payments coverage.
What should I do after a car accident in Albany, NY?
After a car accident in Albany, NY, it’s important to prioritize safety first. If there are injuries, call emergency services for immediate medical assistance. Then, exchange contact and insurance information with the other driver(s) involved. File a police report and notify your insurance company about the accident. It’s recommended to take photos of the accident scene and gather witness statements if possible.
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.