Cheap Auto Insurance in Albany, Georgia (2023)

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.

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.

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Best car insurance overall: Travelers

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

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

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

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

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

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

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

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

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.

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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.

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.

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.

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.

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.

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.

Albany car insurance FAQs