Cheapest Auto Insurance in Albany, Georgia (2025)

Auto-Owners offers the cheapest car insurance in Albany, with liability rates starting at $52 per month.

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Cheapest recent rates near Albany, Georgia

Drivers in and around Albany, Georgia have found policies from Mile Auto, Voom, Root, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Albany, Georgia within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Albany, Georgia within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
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  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Edited byChris Schafer
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
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  • 7+ years in business and financial services content

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Albany drivers pay an overall average of $177 per month for car insurance. That’s below the state average of $201 per month and on par with the overall national average of $150 per month.

Albany’s population of around 67,000 might pay lower rates than other Peach State drivers due to the relatively smaller size of the city.[1] For example, drivers in more densely populated Atlanta pay an average of $264 per month for car insurance.

Whether you’re new to the Albany area or you’re a longtime resident looking for a new policy, here’s what you should know about comparing quotes and finding cheap rates.

Quick Facts
  • Auto-Owners offers the lowest rates for full coverage in Albany, starting at $84 per month.

  • Auto-Owners, State Farm, and COUNTRY Financial offer the lowest liability insurance quotes in Albany.

  • Albany drivers pay an average of $136 per month for liability-only insurance and $218 per month for full-coverage policies.

3 of the cheapest car insurance companies in Albany

Your age, gender, driving history, ZIP code, and more affect the price you pay for auto insurance, and different companies weigh each of these factors differently. That’s why it’s important to shop around and compare quotes from multiple car insurance companies to find the most affordable policy for you.

As you start your search, it’s helpful to find out which insurers offer better rates consistently. Here are a few of the most continually affordable car insurance companies in Albany, as well as their statewide rates.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
State Farm9.3$103$64Savings opportunities
Auto-Owners8.5$96$59Customer service
Hugo7.0N/A$278Infrequent drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for savings opportunities: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$91/mo
4.2
Best choiceBased on 10,368 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,705)

Anahid

April 10, 2025

Verified Review

My Opinion

I have been with State Farm for nearly thirty years. I love their service, friendly, helpful people, and great service. I would say they may be a little more expensive compared to some other companies.

Eric

April 10, 2025

Verified Review

Agent Missing!

If you have a claim, don't expect to see your agent. You will have to do a lot of phone work with the main office.

John

April 10, 2025

Verified Review

Cost of Auto Insurance

I have had insurance with State Farm since 2012 and my premium has increased every year. It just doesn't make sense.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Almost 25% of Albany’s population is younger than 18, and many families can find savings through State Farm. Discounts are available for taking a defensive driving course, safe driving, and insuring multiple vehicles.

State Farm also offers bundling discounts. Some other insurance products that State Farm offers include renters insurance, home insurance, life insurance, motorcycle insurance, boat insurance, small-business insurance, and pet insurance.

Pros
  • Above-average J.D. Power customer satisfaction rating in the Southeast

  • Some of the lowest rates in Albany

Cons
  • No gap insurance available

  • May not be a good choice for high-risk drivers

Best insurer for customer service: Auto-Owners

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$84/mo
4.0
Best choiceBased on 175 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (111)

Charles

April 10, 2025

Verified Review

Unexpected Rate Increase After First Year

The rates significantly increased after the first year.

Edward

April 7, 2025

Verified Review

Disappointed with Auto Owners

We never had a claim, yet they raised our cost by more than $2,000 per year!

Mike

March 27, 2025

Verified Review

Unexpected Rate Increase

The service was not satisfactory. Our rates were tripled without any notification.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you want to talk through your options with an insurance agent, you might prefer to work with Auto-Owners. The company requires you to call an agent to finalize your car insurance policy, which gives you a chance to ask any follow-up questions. And if you’re having trouble landing on the right policy, a live agent can be very helpful.

Beyond access to a network of friendly local agents, Auto-Owners also offers Albany residents some of the most affordable car insurance rates in the area.

Pros
  • Below-average rates

  • AM Best financial strength rating of A++[2]

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southeast[3]

  • Can’t finalize a policy entirely online

Best insurer for infrequent drivers: Hugo

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$278/mo
4.1
Best choiceBased on 140 verified guest reviews and ratings
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (56)

Donna

April 2, 2025

Verified Review

No Thanks

In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.

Rebekah

March 18, 2025

Verified Review

Never Able to Speak with Customer Service, So I Switched!

I was never able to speak with someone, so I switched!

Latesha

March 16, 2025

Verified Review

Less Expensive

It's excellent, I just wish it was a little cheaper.
See all Hugo reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Hugo offers on-demand, short-term car insurance, and you can use a Hugo Flex policy to pause or restart coverage at any time without a fee for the change. You can even purchase coverage for as little as three days at a time.

In addition, Hugo’s on-demand model means you might be able to avoid paying for coverage on days you don’t plan on driving.

Pros
  • Proof of insurance available immediately

  • No down payment required

Cons
  • Limited coverage customization options

  • Available in only 13 states

How to get the cheapest car insurance in Albany

The price you’ll pay for car insurance depends on a number of factors, including your ZIP code, age, driving record, credit history, local crime rates, vehicle type, and more. Some of these factors are outside your control, but you can still take action to save money on car insurance.

Use the strategies below to lock in the most affordable option for your situation:

  • Raise your deductible. Opting for a higher deductible will generally lower your premium because you’re taking on more of the risk yourself. Just make sure to never set a deductible so high you can’t afford to pay it if you need to file a claim.

  • Bundle policies. If you need more than one type of insurance policy, you could score savings by purchasing multiple policies through the same insurer. For example, you might tap into cheaper auto insurance if you buy a homeowners policy or life insurance through the same company.

  • Find discounts. Many insurers offer discount opportunities. Ask your insurer what discounts you may qualify for.

  • Shop around. Take the time to get quotes from multiple insurance companies. Since every insurance company has a different method of determining rates, shopping around can help you find the lowest rates for your desired policy.

Find Cheap Car Insurance Near You

Liability rates start at $52 per month

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Cheapest liability-only car insurance in Albany: Auto-Owners

Liability-only car insurance includes bodily injury and property damage liability coverage. This means the insurer will help you pay for damage and injuries sustained in an accident you cause. But the insurer won’t help you pay to replace your own vehicle or cover your medical bills.

In Albany, liability-only car insurance costs an average of $136 per month. The table below highlights the average rates for liability-only policies from Albany insurers.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
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Auto-Owners$52
State Farm$56
COUNTRY Financial$57
Allstate$61
USAA$66
Mile Auto$68
Progressive$82
GEICO$91
Mercury$102
Root$114
Clearcover$115
Safeco$133
Nationwide$135
Direct Auto$137
GAINSCO$143
Liberty Mutual$146
AssuranceAmerica$165
National General$170
Bristol West$188
The General$197
Infinity$204
Foremost$227
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Albany: Auto-Owners

A full-coverage car insurance policy involves more financial protection than liability-only coverage. In addition to liability coverage, a full-coverage policy includes collision and comprehensive coverage. After an incident, the insurance company can help you pay to repair or replace your own vehicle.

If you’re leasing a vehicle or paying off an auto loan, your lender will likely require you to carry full coverage. But even if you aren’t required to buy this car insurance coverage, it can be an especially good choice if you wouldn’t be able to repair or replace your vehicle after an accident.

A full-coverage car insurance policy in Albany has an average cost of $218 per month. The table below highlights the average full-coverage car insurance costs from companies in Albany.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$84
State Farm$91
COUNTRY Financial$92
Allstate$99
USAA$106
Mile Auto$114
Progressive$144
GEICO$147
Safeco$161
Mercury$170
Root$180
Clearcover$206
Nationwide$219
Direct Auto$232
National General$245
Liberty Mutual$249
AssuranceAmerica$272
GAINSCO$284
Foremost$288
The General$326
Bristol West$350
Infinity$366
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Albany, Georgia

Drivers in and around Albany, Georgia have found policies from Voom, The General, AssuranceAmerica, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Albany, Georgia within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Albany, Georgia within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Georgia

Georgia law requires drivers to carry a minimum amount of car insurance to drive legally on public roadways.

Here are the specific minimum coverage requirements Georgia drivers must meet.

Coverage
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Minimum Requirements4
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per incident

A policy with a minimum amount of liability insurance won’t help you repair or replace your own vehicle after an accident. If you want more financial protection before hitting the open road, you might benefit from the following coverage options:

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision coverage

    After a car accident, collision insurance helps pay for repairs to your own vehicle. Collisions include accidents with other vehicles and crashes with stationary objects, like a tree or utility pole.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If something other than a collision damages your vehicle, comprehensive car insurance can help you pay for repairs. Commonly covered events include theft, severe weather, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Although insurance is required, that doesn’t mean everyone has it. If a motorist driving without insurance causes injuries or damage to you or your vehicle, a UM/UIM auto policy can help you pay for repair costs and medical expenses.

Cheapest car insurance for drivers with an incident

Incidents on your driving records, including speeding tickets, driving under the influence citations, and at-fault accidents, tend to push your car insurance rates higher. This is because insurers tend to consider you a high-risk driver if you have an incident on your record, and they compensate for this increased risk by raising your rates.

On average, Albany drivers with a past incident pay $171 per month for liability coverage.

The table below highlights how an incident on your driving record can affect average liability car insurance quotes in Albany.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
With At-Fault Accident
sort ascsort desc
With DUI
sort ascsort desc
Auto-Owners$52$68$71$84
State Farm$56$71$75$91
COUNTRY Financial$57$75$80$92
Allstate$61$78$82$99
USAA$66$84$89$107
Mile Auto$68$85$93$110
Progressive$82$105$113$133
GEICO$91$117$123$148
Mercury$102$141$149$159
Root$114$160$167$170
Clearcover$115$148$171$187
Safeco$133$175$186$212
Nationwide$135$174$183$219
Direct Auto$137$177$189$222
GAINSCO$143$195$186$232
Liberty Mutual$146$199$208$237
AssuranceAmerica$165$208$214$268
National General$170$217$226$276
Bristol West$188$244$254$305
The General$197$262$273$320
Infinity$204$270$269$331
Foremost$227$309$323$368
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Auto insurance companies also take your age into account when setting premiums. Teen drivers pay more for car insurance due to a lack of experience behind the wheel.

As drivers increase their years of experience on the road, they start to notice falling auto insurance rates between ages 35 and 70. After age 70, car insurance rates tend to climb again for senior drivers.

The table below illustrates how average quotes vary by age group in Albany.

Age
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Average Monthly Quote
sort ascsort desc
Teens$346
20s$238
30s$186
40s$173
50s$151
60s$151
70s$166
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Albany

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Albany car insurance quotes by credit tier

Insurance companies in the state of Georgia can consider credit-based insurance scores when determining your premiums. This means drivers with excellent or good credit pay less for car insurance than drivers with poor credit.

Here, you can see how your credit tier affects your rates in Albany.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Albany car insurance FAQs

If you still have some lingering questions about how to find the cheapest car insurance in Albany, the additional information below can help.

  • How much is car insurance in Albany?

    The average rate for liability car insurance in Albany is $136 per month, and the average monthly rate for full-coverage insurance is $218. These rates are below the state average and comparable to national averages.

  • Which company has the cheapest car insurance in Albany?

    Auto-Owners offers the cheapest car insurance in Albany, starting at $52 per month for liability coverage. State Farm and COUNTRY Financial also offer low rates, at $56 and $57 per month, respectively.

  • What are the best car insurance companies in Albany?

    Hugo, State Farm, and Auto-Owners Insurance rank as three of the top insurers in Albany. Hugo is a newer insurer known for its flexibility and for offering customers the ability to get insurance for brief periods of time. State Farm and Auto-Owners have longer tenures and are known for their discounts and customer service.

Related articles

Sources

  1. U.S. Census Bureau. "QuickFacts Albany city, Georgia."
  2. AM Best. "AM Best Affirms Credit Ratings of Auto-Owners Insurance Company and Subsidiaries."
  3. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Sarah has been a contributor at Insurify since September 2022.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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