Cheap Auto Insurance in Albany, Georgia (2023)

See how you can find the best Albany auto insurers and compare quotes to lock in cheaper rates.

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Alani Asis
Alani Asis
Updated September 20, 2023
Alani Asis
Alani Asis
  • 3 years writing SEO-savvy content

  • 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.

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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.

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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.

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The average cost of car insurance in Albany, Georgia, is $200 a month for a liability-only policy and $283 monthly for a full-coverage policy. 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.

  • Progressive is one of the best auto insurers in Albany, with cheap rates and a high Insurify Quality Score.

  • Direct Auto is the best car insurance company for families in Albany.

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

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Based on 3,806+ reviews
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ProgressiveLiberty MutualTravelers
Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyInsurify Quality 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$180 (full coverage)4.1
ProgressiveValue$934.1
Mile AutoMost Affordable$1084.1
ElephantCommuters$1623.6
Direct AutoFamilies$1903.2
Liberty MutualStudents$1613.8
State AutoBusiness owners$370 (full coverage)3.8
MercuryRideshare drivers$1893.6
SafecoLuxury car owners$1323.8
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

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.
829
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.
$132/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

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

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

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.

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.
819
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.
$80/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.
$121/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

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

Very good service but too expensive

Dewey - February 2, 2023
Verified

I called with questions; the answers were complete and to the point.

Yvonne - February 1, 2023
Verified

Would not let us bundle

Gary - February 1, 2023
Verified
Read our Progressive review

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.

Most affordable car insurance in Albany: Mile Auto

Mile Auto logo

Mile Auto

Average Monthly Cost:
$108
Insurify Quality Score:
4.1

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 commuters: Elephant

Elephant logo

Elephant

Average Monthly Cost:
$162
Insurify Quality Score:
3.6

With an IQ Score of 3.6 out of 5, Elephant is Insurify’s pick for drivers who are on the road often and need reliable coverage. With this insurance company, you can add roadside assistance, lease coverage, and custom parts coverage to your policy. Elephant also offers SR-22 insurance and covers legal fees for one minor traffic infraction yearly.

Best car insurance in Albany for families: Direct 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.
3.2
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.
$110/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.
$146/mo

For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. Today, the company sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans. Direct operates in just 16 states. The company has an A+ rating from A.M. Best for financial and credit strength, but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners Customer Complaint Index.

Pros
  • Customers can bundle car insurance with other auto-related products

Cons
  • Not available in all states

Really hard to get in contact with

Andrew - January 9, 2023
Verified

Too costly for minimum liability.

Michael - August 28, 2023
Verified

Had a great quote

Chelse - October 3, 2022
Verified
Read our Direct Auto review

Direct Auto is an excellent choice for drivers with families looking for reliable coverage. This company offers relatively affordable rates for all ages and discounts for students and senior citizens. Direct Auto also has multi-car, homeowners, and military discounts, which can lower your rates even more.

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.
819
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.
$106/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.
$191/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Service has always been great

Jackie - January 30, 2023
Verified

I can’t figure how much I am paying.

Rickie - January 29, 2023
Verified

I got uninsured motorist added to meet the minimum state liability for less than what I was paying before, but now my rates have gone up even though I have an impeccable driving record and travel way under 10K miles annually.

Virginia - January 24, 2023
Verified
Read our Liberty Mutual review

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]

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.
$120/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.
$190/mo

Founded in 1921, State Auto is now a part of Liberty Mutual. The company sells policies in 33 states, although they don’t specify which ones on their website or Liberty Mutual’s site. State Auto offers three levels of protection with customizable coverages that can include roadside assistance, glass coverage, accident forgiveness, rideshare insurance, and more. Available discounts include one for safe driving (monitored by a telematics app) multiple policies, driver education and safety courses, anti-theft equipment, and for paying in full. State Auto has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Ample options for customizing coverages

  • Numerous discounts available

Cons
  • Not available in all states

  • Online quotes and purchasing not available

No problems

Dave - April 12, 2022
Verified

Received a rate increase without notice on renewal

Lynnette - February 2, 2021
Verified

Reasonable rates for the coverage we get on auto

BARBARA - March 17, 2019
Verified
Read our State Auto review

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.

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
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
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.
$107/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.
$157/mo

Mercury is a 62-year-old insurance company that sells auto, home, condo, renters, and business insurance. In addition to standard car insurance coverage types, Mercury also offers rental car reimbursement, roadside assistance, rideshare insurance, and more. Mercury customers can save with multiple discounts, and the opportunity to bundle their auto insurance with home or renters coverage. The compay has an A rating from A.M. Best for financial stability. Mercury has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index. However, J.D. Power ranked the company fourth incustomer satisfaction in California.

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)

Their driving app is a gimmick.

Larry - January 14, 2023
Verified

Good price and great service

Harold - December 31, 2022
Verified

Great service, good rates, nice staff

Debra - November 8, 2022
Verified
Read our Mercury review

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.

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.
825
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.
$101/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.
$169/mo

Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.

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

Good company but still kind of expensive

Pennie - February 8, 2023
Verified

No issues with them, but I do wish it was less expensive.

Angelica - January 21, 2023
Verified

Best insurance I’ve ever had

Brent - January 20, 2023
Verified
Read our Safeco review

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.

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

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.

Mile Auto and Progressive offer the cheapest insurance in Albany. Both companies provide coverage significantly more affordable than the state’s average liability-only and full-coverage rates. Note that Mile Auto is a pay-per-mile insurance company, so your rates will vary by how much you drive.

Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full Coverage
Mile Auto$108$98
Progressive$93$172
TravelersN/A$180
Mercury$189$210
Safeco$132$211
Elephant$162$218
Direct Auto$190$231
Midvale Home & AutoN/A$238
Arrowhead$155$239
InsureMax$163$244
Clearcover$196$246
Liberty Mutual$161$250
Bristol West$216$264
AssuranceAmericaN/A$323
The General$234$344
State AutoN/A$370
Infinity$252$436
Freedom National$276$667
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.

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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 $732 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.

Insurance CompanyClean RecordAt-Fault AccidentDUISpeeding Ticket
Mile Auto$98$141$196$132
Progressive$172$245$342$230
Travelers$180$258$358$241
Mercury$210$300$418$282
Safeco$211$302$420$283
Elephant$218$311$433$292
Direct Auto$231$330$459$309
Midvale Home & Auto$238$340$473$319
Arrowhead$239$342$476$320
InsureMax$244$349$485$327
Clearcover$246$351$489$329
Liberty Mutual$250$358$498$335
Bristol West$264$378$526$354
AssuranceAmerica$323$462$643$433
The General$344$492$684$461
State Auto$370$529$736$496
Infinity$436$623$867$584
Freedom National$667$954$1,328$894
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 score to underwrite your insurance premiums, many are legally allowed to. Insurance companies in Georgia can use your score 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.

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 rates for drivers of different ages across the board. Teenage drivers in Albany, Georgia, pay a monthly average of $457, and senior drivers over 80 pay $327 on average.

Age GroupAverage Monthly Quote
Teenagers$457
Younger than 25$365
20s$293
30s$207
40s$208
50s$159
60s$142
70s$196
80+$327
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 $253 a month. In Albany, the average monthly price of car insurance is $286, slightly higher than the national average.

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

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  • Stewart Short Insurance

    121 N. Westover Blvd.,
    Albany, GA 31707
  • Doherty, Duggan, Hart and Tiernan Insurors

    2301 Dawson Rd,
    Albany, GA 31707-1141
  • J Smith Lanier of Albany

    611 Pointe North Blvd.,
    Albany, GA 31721
  • Taylor Insurance Agency, Inc.

    2305 Robinhood Rd,
    Albany, GA 31707-3271
  • Polite Davis Insurance Agency

    511 N Slappey Blvd,
    Albany, GA 31701-1458
  • Dale Hodges Agency, LLC

    2734 Ledo Road,
    Albany, GA 31707-1756
  • Reynolds, Shugart & Associates, Inc.

    1704 Gillionville Rd,
    Albany, GA 31707-3735
  • Fleming and Riles Insurance

    636 Pointe North Blvd,
    Albany, GA 31721
  • Albany Insurance Services, Inc.

    614 N Slappey Blvd,
    Albany, GA 31701
  • Griffin and Company Insurance

    2543 Lafayette Plaza Dr,
    Albany, GA 31707
View more
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?

    Albany’s cheapest car insurance rates are through Mile Auto, Progressive, and Travelers, all lower than Albany’s city average. You can get affordable liability-only and full-coverage insurance at this price point.

  • 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 cost of liability-only car insurance in Albany, Georgia, is $188 monthly, and full coverage costs $286 monthly, slightly higher than the national average. However, it’s on par with Georgia’s average rates.

  • 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

Alani Asis
Alani Asis

Alani Asis is an SEO-savvy, 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.

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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.

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