Cheap Auto Insurance in Albany, Georgia (2024)

Hugo offers the cheapest car insurance rates in Albany, with liability policies starting at $49 per month.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

Featured in

media logomedia logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo
Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated April 17, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Table of contents

Table of contentsexpand/collapse

The average cost of car insurance in Albany, Georgia, is $131 a month for a liability-only policy and $205 monthly for a full-coverage policy. The city's rates are generally below the state's average car insurance costs.

Albany's relatively smaller population of 67,192 residents, inland location away from coastal weather threats, and comparatively low number of accidents (2,872 in 2022, according to Georgia Department of Transportation data), all likely contribute to the city's lower car insurance costs.

While Albany drivers have many insurers to choose from, the best car insurance companies offer satisfactory customer experience, financial stability, and various coverages and discounts at affordable rates. The best car insurance for each person fits their coverage needs and financial situation.

Quick Facts
  • Drivers in Albany, Georgia, pay less on average than the national average rate for liability-only policies.

  • Hugo, Auto-Owners and State Farm are the three cheapest auto insurers in Albany.

  • Albany reported nine crash fatalities in 2022, according to GDOT data.

Best car insurance companies in Albany, Georgia

The best car insurance offers the most value for your dollar. A good reputation, excellent customer service, and a comprehensive list of endorsements to customize your policy are just a few elements that add value to a company.

Each driver’s insurance needs will vary based on their driving history, budget, location, and other factors. So it’s essential to shop around and compare companies that offer the coverages you need at your preferred price point before purchasing a policy.

Find Car Insurance in Albany

Rates start as low as $49/mo. for minimum coverage

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
TravelersOverall$1204.1
ProgressiveValue$954.1
Mile AutoMost Affordable$774.1
Liberty MutualStudents$2343.8
State AutoBusiness owners$1093.8
MercuryRideshare drivers$1093.6
SafecoLuxury car owners$983.8
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best car insurance overall: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
839
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++
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.
$136/mo

Travelers is the top pick for the best overall insurance company. It earned an Insurify Quality (IQ) Score of 4.1 out of 5 for its budget-friendly rates and outstanding reputation.

Travelers is affordable for most drivers, even teen drivers and those with traffic violations and poor credit. If you’re in the market for an insurer that offers a range of endorsements like accident forgiveness, gap insurance, and new-car replacement, this company may be right for you.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

Read our Travelers review
Willard - April 13, 2024
Verified

No

Too expensive.

Jeffrey - March 23, 2024
Verified

Excellent

Fast.

Lisa - March 14, 2024
Verified

Long-time customer with a slight rate reduction

The premium is too much for what I need.

Best cheap car insurance in Albany: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$83/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.
$132/mo

While opting for the cheapest car insurance may save you a couple of dollars, Progressive offers excellent 24/7 customer service and a wide selection of coverage options. The insurer’s Name Your Price tool also allows customers to adjust their premiums to fit their budget.

With Progressive, you can customize your policy with endorsements like accident forgiveness, rideshare coverage, gap insurance, and custom parts coverage. You can also get additional savings with the company’s popular telematics Snapshot program, which will reward you for good driving. For all these reasons, Progressive earned an IQ Score of 4.1 out of 5.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Read our Progressive review
Kevin - April 17, 2024
Verified

Wonder Why They Did That?

They dropped me without any explanation, yet they let me renew without asking any questions.

Ishmeal - April 17, 2024
Verified

Too high for someone who's been driving for over 50 years with no tickets

I wouldn't recommend them; it's too expensive.

Stanley - April 17, 2024
Verified

Still Shopping

They are overpriced. I have one speeding ticket in 50 years and they won't forgive it. I've been driving for 67 years and have NEVER had a DWI.

Most affordable car insurance in Albany: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
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
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.
$67/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.
$108/mo

Mile Auto is the most affordable insurance company in Albany, and it earned an IQ Score of 4.1 out of 5. Its pay-per-mile pricing structure means you pay less if you drive less. So drivers who aren’t on the road as often, such as remote workers and retirees, could benefit financially from this insurance company.

Best car insurance in Albany for students: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
831
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.
$116/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.
$202/mo

Liberty Mutual offers many student discounts, including good grades and student-away-at-school discounts. Accident forgiveness and better car replacement can also be helpful, as young student drivers are at a higher risk of accidents.[1]

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read our Liberty Mutual review
Steve - April 17, 2024
Verified

Triple Cost

I have no tickets, live in a remote desert, have no tickets, and yet my rate has gone up 3x in 18 months. It's a ridiculous amount.

Gianna - April 16, 2024
Verified

Don't Recommend!

There's no support in the app, and it's not easy to change payment information. I don't recommend it!

Felicia - April 15, 2024
Verified

Poor

Don't have an accident or get a ticket, your rates will triple.

Best car insurance in Albany for business owners: State Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
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-
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.
$99/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.
$179/mo

If you use your car for business, you’ll want extensive coverage. State Auto offers commercial auto insurance for business purposes, like for deliveries or company cars.

If you’re merely running errands, personal State Auto insurance provides a comprehensive list of liability and accident-related coverages. For instance, with the company’s premium package, you can get accident forgiveness, pet coverage, and even cell phone coverage. State Auto received an IQ Score of 3.8 out of 5.

Pros
  • Ample options for customizing coverages

  • Numerous discounts available

Cons
  • Not available in all states

  • Online quotes and purchasing not available

Best car insurance in Albany for rideshare drivers: Mercury

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.6
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
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.
$95/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.
$155/mo

Mercury’s rideshare coverage fills the gaps between your personal insurance policy and the rideshare company’s policy. This endorsement offers insurance while your app is on but you haven’t accepted a ride yet. Unlike with many insurers, you only need the minimum liability coverage in your state to add this endorsement to your Mercury policy.

Pros
  • Numerous coverage options, discounts, and bundling opportunities

  • Competitive auto insurance prices

Cons
  • Only available in 11 states (including California)

  • Only available in 11 states (including California)

Read our Mercury review
Hugo - April 17, 2024
Verified

Happy Customer

The service is very good, but I'm sad because they don't want to give me more service.

Dee - April 16, 2024
Verified

Watch Out

They keep increasing the policy.

Bponda - April 16, 2024
Verified

Somewhat Average

I am waiting for a return call on quotes. Tom Brown is never available.

Best car insurance in Albany for luxury car owners: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
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.
$90/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.
$156/mo

Drivers will find top-notch protection for their luxury vehicles with Safeco, including new-car replacement, 24-hour roadside assistance, and access to its Guaranteed Repair Network. Safeco also provides coverage for quality replacement parts, ensuring that your high-end vehicle receives repairs with equipment on par with the original manufacturer’s quality.

Pros
  • Pays cash back to customers who remain claims-free

  • Many options for customizing car insurance

Cons
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Read our Safeco review
Gary - April 13, 2024
Verified

Excellent

A very good auto insurance company.

Tammy - April 8, 2024
Verified

Bad

The underwriter is incompetent. Your staff didn't renew my policy and sent a rude letter stating that I have debris or algae on my roof.

Carol - April 6, 2024
Verified

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

How Insurify rates car insurance companies

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

With this information, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across driver ages, genders, credit scores, and driver profiles for Albany, Georgia, drivers.

How to shop for the best car insurance in Albany

Shopping for the right car insurance can be overwhelming. If you want to find an insurance company that matches your needs without overpaying, you should consider these factors:

  • Coverage needs: Most insurance companies offer standard coverages, like liability, comprehensive, and collision coverage. However, not all insurers offer the same endorsements, like accident forgiveness, or nonstandard insurance coverages, like SR-22 insurance. Evaluate your car insurance needs and compare companies that provide the necessary coverage.

  • Reputation: Getting a bargain on your policy doesn’t always equate to good coverage. Before purchasing a policy, examine the company’s financial stability and customer satisfaction ratings from third-party rating agencies. You can also evaluate its customer experience by looking at online reviews or asking family and friends.

  • Budget: Find a quality car insurance company within your budget by shopping around and comparing quotes. When comparing quotes, ensure the coverages are similar across the board to get the best comparison. You can also take advantage of discounts to lower your premiums even more.

Find Car Insurance in Albany

Unlock discounts and savings when you compare rates through Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

How to get the cheapest car insurance in Albany

Several factors influence your insurance rates, including your age, gender, and driving history.[2] The higher your risk as a driver is, the more expensive your premiums will be. While most of the components determining your rates will be out of your control, here are a few steps you can take to lower your premiums:[3]

  • Seek discounts. Common car insurance discounts include policy, driving history, vehicle, driver, and even group-based discounts. Bundling discounts can get you lower rates too.

  • Opt for pay-per-mile insurance. If you don’t drive often, consider a pay-per-mile policy. With this pricing structure, you’ll get cheaper rates when you drive fewer miles.

  • Compare quotes. Rates change often, so shopping around to find the best rates at the time will help you get the coverage you need for your budget.

  • Increase your deductible. A deductible is what you pay before your claim gets paid out. Increasing your deductible will decrease your monthly premiums. Just make sure you can afford the out-of-pocket deductible cost if you file a claim.

  • Maintain a good credit score. Insurers in Georgia can use your credit scores to determine the likelihood of you filing a claim. Keeping your credit score up may keep your premiums low.

 Learn More: How Car Insurance Works: Everything You Need to Know

Learn More: How Car Insurance Works: Everything You Need to Know

Liability-only vs. full-coverage insurance in Albany

Like most states, Georgia requires drivers to have minimum liability auto insurance. Minimum liability insurance will only cover bodily injuries and property damage for the other parties if you’re at fault in an accident. However, it won’t cover your own medical expenses or property damage.

While a full-coverage policy is ideal if you commute regularly, liability-only coverage may make sense for drivers who don’t drive frequently or don’t own a car but want to avoid a lapse in coverage. People who regularly rent or borrow cars may also purchase the minimum liability coverage through a nonowner insurance policy.

If you’re a high-risk driver, liability-only coverage may be your only affordable option. But you still want to shop around to see if a company will offer you high-risk coverage at a budget-friendly rate.

You can opt for collision and comprehensive to have full-coverage insurance for more protection. Collision coverage pays to replace or repair damage to your vehicle from a collision, even if you’re at fault. Comprehensive coverage pays for damages from a noncollision incident, like vandalism, theft, or natural disasters. Full-coverage is a combination of liability, comprehensive, and collision coverage.

Hugo and Auto-Owners offer the cheapest insurance in Albany. Both companies provide coverage significantly more affordable than the state’s average liability-only and full-coverage rates.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Hugo5549
Auto-Owners8257
State Farm8861
COUNTRY Financial9062
Allstate9767
USAA10372
Mile Auto10867
Progressive13283
GEICO14499
Mercury15595
Safeco15690
Elephant169121
State Auto17999
Clearcover181101
AssuranceAmerica200118
Midvale Home & Auto201144
Liberty Mutual202116
Direct Auto207123
Nationwide210148
National General239116
Foremost260219
GAINSCO270133
Infinity299166
The General307184
Bristol West386204
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.

Estimate your Albany car insurance costs

Select discounts that apply to you
Save 25%
Save 4%
Save 20%
Save 37%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

Albany, Georgia, car insurance rates by driving and accident history

Policyholders with a history of reckless driving, serious traffic violations, or multiple minor infractions are a liability to insurance companies. Therefore, high-risk drivers can expect higher premiums than those with a clean driving record.[4]

The type of moving violation on your record can also influence your insurance rates in Albany. For instance, drivers with a history of driving under the influence pay an average of $350 per month for full coverage — much higher than drivers with a speeding ticket or an at-fault accident. Here’s a look at the average monthly full-coverage insurance quotes for the cheapest insurance companies in Albany, Georgia, based on driving and accident history.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean RecordAt-Fault AccidentDUISpeeding Ticket
Hugo55758379
Auto-Owners82114134109
State Farm88119143112
COUNTRY Financial90128147119
Allstate97133158125
USAA103141168133
Mile Auto108165183155
Progressive132188215178
Travelers136189222179
GEICO144198235186
Mercury155242259231
Safeco156233254219
Elephant169234275221
Clearcover181294295252
AssuranceAmerica200285326276
Liberty Mutual202297329281
Direct Auto207293337276
Nationwide210290342274
National General239334389311
GAINSCO270364440341
Infinity299393487398
The General307435500412
Bristol West386529629509
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.

Albany car insurance quotes by credit tier

While several states can’t use your credit history to underwrite your insurance premiums, many are legally allowed to. Insurance companies in Georgia can use your credit record to determine how likely you are to file a claim.[5] Drivers with excellent or good credit scores may see rates lower than those with poor credit scores in Albany, since the state allows it.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Poor CreditFair CreditGood CreditExcellent Credit
164205191170
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.
Check Out: Can You Get Car Insurance With No Credit Check?

Check Out: Can You Get Car Insurance With No Credit Check?

Albany car insurance rates by driver age

For insurance companies, age indicates how much experience you have behind the wheel. So younger drivers tend to be riskier to insure than older drivers.[1] Teenagers can expect the most expensive rates, which significantly decrease after age 25.

The table below illustrates full-coverage rates for drivers of different ages across the board. Teenage drivers in Albany, Georgia, pay a monthly average of $366 for full coverage, and while senior drivers have a full-coverage average of $159.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Teen DriversUnder 25Middle AgedSenior Drivers
366255183159
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.

Is car insurance more expensive in Albany?

The national average cost of full-coverage car insurance is $213 a month. In Albany, the average monthly price of car insurance is $205.

Car insurance can also vary based on location. Drivers in areas with higher crime, traffic, and accident rates can expect higher premiums.[2] For instance, drivers in cities like Augusta and Columbus may see marginally cheaper rates than drivers in Albany.

CityAverage Monthly Quote: Liability OnlyCompared to Albany
Augusta$200-1%
Columbus$206-3%
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.
CityAverage Monthly Quote: Liability OnlyCompared to Albany
Macon$247+19%
Marietta$257+22%
Savannah$257+22%
McDonough$276+27%
Atlanta$288+30%
Decatur$332+40%
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 Car Insurance in Albany

See quotes from top insurance companies in minutes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Learn More: How to Switch Your Car Insurance in 6 Steps

Learn More: How to Switch Your Car Insurance in 6 Steps

Albany car insurance FAQs

If you’re shopping for car insurance in Albany, you may find this additional information helpful.

  • Who has the cheapest car insurance in Albany?

    Hugo has Albany’s cheapest car insurance rates, with liability policies starting at $49 per month. Auto-Owners and State Farm also have cheap rates for Albany drivers, with liability quotes as low as $57 and $61, respectively.

  • Can you keep your same car insurance if you move to a new city?

    Your location affects your rates, so if you move to a new city or state, you must notify your insurer to update your policy. If your new city isn’t in your insurer’s coverage area, you may end up needing to switch.

  • What are the best car insurance companies in Albany?

    Travelers is the best insurance company in Albany, Georgia, for its affordability and excellent customer service. Travelers received an A++ (Superior) from A.M. Best and a score of 829 out of 1,000 in J.D. Power’s 2022 Auto Insurance Study for claims satisfaction. Progressive and Mile Auto also rank high and have affordable rates.

  • How much does car insurance cost in Albany?

    The average cost of liability-only car insurance in Albany, Georgia, is $131 monthly, and full coverage costs $205 monthly

  • Is Albany in a no-fault state?

    Georgia is an at-fault state, meaning that your insurance policy will reimburse other drivers for property damage and medical expenses from accidents for which you’re responsible.

Sources

  1. III. "Auto insurance for teen drivers."
  2. III. "What determines the price of an auto insurance policy?."
  3. III. "Nine ways to lower your auto insurance costs."
  4. J.D. Power. "2022 U.S. Auto Claims Satisfaction Study."
  5. Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo
Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all