Cheapest Auto Insurance in Albany, Georgia (2024)

Hugo offers the cheapest car insurance in Albany, with liability rates starting at $51 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • 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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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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Updated July 25, 2024

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Albany drivers pay an overall average of $174 per month for car insurance. That’s below the state average of $193 per month and on par with the overall national average of $160 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 $248 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 $87 per month.

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

  • Albany drivers pay an average of $133 per month for liability-only insurance and $216 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm9.3$104$69Savings opportunities
Auto-Owners8.5$97$64Customer service
Hugo7.0N/A$57Infrequent 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.2
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.
$62/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.
$94/mo

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

Read more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for customer service: Auto-Owners

Compare personalized, real-time quotes
User Reviews
3.8
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.
$58/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.
$87/mo

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

Read more driver reviews of Auto-Owners
Paula - July 23, 2024
Verified

Auto Owners Review

They do not offer savings for low mileage!

Angela - July 23, 2024
Verified

The person I spoke with was very helpful and polite, and did her best to get my rate as low as possible.

The person I spoke with was very helpful and polite, and did her best to get my rate as low as possible.

Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Best insurer for infrequent drivers: Hugo

Compare personalized, real-time quotes
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.
7.0/10
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.
$51/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.
$206/mo

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

Read more driver reviews of Hugo
Camero - July 22, 2024
Verified

Poor Customer Support and Too Expensive

It's too expensive and I never get a response from them until days later. It's hard to modify your policy. They don’t cover all cars and when you try to talk with someone, they never answer. Very poor insurance company.

Kimberly - July 14, 2024
Verified

I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.

I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.

Jennifer - July 13, 2024
Verified

Rate Increase If You Turn Off and On

I can't say much except that I don't like the rate hike because I didn't use it.

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 $51 per month

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Cheapest liability-only car insurance in Albany: Hugo

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 $133 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo$51
Auto-Owners$58
State Farm$62
COUNTRY Financial$63
Allstate$68
Mile Auto$69
USAA$72
Progressive$84
Safeco$88
GEICO$100
Mercury$104
Clearcover$109
Elephant$125
Liberty Mutual$125
Direct Auto$126
AssuranceAmerica$128
GAINSCO$140
Midvale Home & Auto$140
National General$146
Nationwide$150
Infinity$184
The General$190
Bristol West$211
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 $216 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$87
State Farm$94
COUNTRY Financial$96
Allstate$103
USAA$110
Mile Auto$115
Safeco$143
Progressive$146
GEICO$151
Mercury$162
Elephant$179
State Auto$197
Clearcover$205
Hugo$206
Midvale Home & Auto$215
AssuranceAmerica$223
Liberty Mutual$226
Nationwide$226
Direct Auto$231
National General$247
Foremost$283
GAINSCO$284
The General$326
Infinity$346
Bristol West$410
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.

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.

CoverageMinimum Requirements4
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 $184 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Hugo$51$70$68$77
Auto-Owners$58$76$80$99
State Farm$62$80$85$106
COUNTRY Financial$63$84$90$107
Allstate$68$88$94$116
Mile Auto$69$95$102$106
USAA$72$94$100$123
Progressive$84$110$118$143
Safeco$88$116$118$150
GEICO$100$130$139$170
Mercury$104$145$152$160
Clearcover$109$144$161$186
Elephant$125$178$169$213
Liberty Mutual$125$178$188$213
Direct Auto$126$165$178$214
AssuranceAmerica$128$170$177$218
GAINSCO$140$200$187$238
Midvale Home & Auto$140$189$205$238
National General$146$190$203$249
Nationwide$150$197$209$255
Infinity$184$250$251$313
The General$190$251$268$323
Bristol West$211$274$288$359
Foremost$227$324$341$386
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.

AgeAverage Monthly Quote
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.

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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 $133 per month, and the average monthly rate for full-coverage insurance is $216. These rates are below the state average and comparable to national averages.

  • Which company has the cheapest car insurance in Albany?

    Hugo offers the cheapest car insurance in Albany, starting at $51 per month for liability coverage. Auto-Owners and State Farm also offer low rates, at $58 and $62 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.

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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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.

Featured in

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