Compare Albany, GA Car Insurance Rates (2021)

Car insurance in Albany, GA averages $382 a month. Albany, Georgia car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Albany car insurance rates, compare quotes from the top car insurance companies in Albany, GA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Albany is 31705
  • Average car insurance rates in Albany, GA are $4,580/year
  • Average car insurance rates in Albany, GA after a DUI are $5,565/year

If you need to buy Albany, Georgia car insurance, the options can be confusing. Everything you need to know about car insurance in Albany, GA is right here.

You’ll find Albany car insurance rates, the cheapest Albany, GA car insurance companies, and information on Georgia car insurance laws. You can also compare Albany, Georgia car insurance rates to Albany car insurance rates, Johns Creek car insurance rates, and Alpharetta car insurance rates.

Ready to find affordable Albany, GA car insurance today? Enter your ZIP code for fast, free Albany car insurance quotes.

Cheapest Albany, GA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Albany, GA car insurance rates? Every Albany, Georgia car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Albany, Georgia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,757 $2,757 $2,647 $2,647 $6,385 $8,193 $3,080 $3,360
GEICO $1,625 $1,604 $1,574 $1,574 $4,838 $5,790 $2,089 $2,325
Liberty Mutual $5,092 $5,545 $4,174 $4,746 $21,788 $24,341 $5,384 $5,719
Nationwide $3,168 $3,276 $3,159 $3,467 $9,750 $12,519 $3,857 $4,176
Progressive $2,726 $2,499 $2,344 $2,468 $8,629 $9,554 $3,142 $3,277
State Farm $2,007 $2,007 $1,804 $1,804 $5,367 $7,063 $2,204 $2,376
USAA $1,657 $1,655 $1,548 $1,550 $5,984 $7,063 $2,061 $2,274

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Minimum Car Insurance in Albany, GA

Every driver must carry the minimum car insurance in Albany, GA. Take a look at the Georgia car insurance requirements.

Minimum Required Car Insurance Coverage in Albany, Georgia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Albany, GA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Albany, GA. Compare credit history car insurance rates in Albany from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Albany, Georgia

Insurance Company Poor Fair Good
Allstate $5,164 $3,581 $3,190
GEICO $3,367 $2,367 $2,298
Liberty Mutual $13,744 $8,438 $6,614
Nationwide $6,424 $5,239 $4,602
Progressive $4,876 $4,215 $3,898
State Farm $4,363 $2,718 $2,155
USAA $3,864 $2,727 $2,331

Cheapest Albany, GA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Albany, GA to rates for a clean record with top companies.

Annual Albany, Georgia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,272 $5,093 $4,103 $3,445
GEICO $1,805 $2,260 $4,622 $2,023
Liberty Mutual $7,295 $9,958 $11,440 $9,701
Nationwide $4,186 $4,911 $7,521 $5,068
Progressive $3,379 $5,994 $4,009 $3,936
State Farm $2,803 $3,354 $3,079 $3,079
USAA $2,280 $2,889 $4,185 $2,542

Cheapest Albany, GA Car Insurance for Teen Drivers

Teen car insurance in Albany, GA can be expensive. Take a look at rates from the top car insurance companies in Albany for teenagers.

Annual Car Insurance Rates for Teen Drivers in Albany, Georgia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,385 $8,193
GEICO $4,838 $5,790
Liberty Mutual $21,788 $24,341
Nationwide $9,750 $12,519
Progressive $8,629 $9,554
State Farm $5,367 $7,063
USAA $5,984 $7,063

Cheapest Albany, GA Car Insurance for Seniors

Take a look at Albany, GA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Albany, Georgia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,647 $2,647
GEICO $1,574 $1,574
Liberty Mutual $4,174 $4,746
Nationwide $3,159 $3,467
Progressive $2,344 $2,468
State Farm $1,804 $1,804
USAA $1,548 $1,550

Cheapest Albany, GA Car Insurance Rates After a DUI

A DUI in Albany, GA increases car insurance rates. Compare Albany, Georgia DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Albany, Georgia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,103
GEICO $4,622
Liberty Mutual $11,440
Nationwide $7,521
Progressive $4,009
State Farm $3,079
USAA $4,185

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Cheapest Albany, GA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Albany, GA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Albany, Georgia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,887 $4,070
GEICO $2,632 $2,723
Liberty Mutual $9,599 $9,599
Nationwide $5,421 $5,421
Progressive $4,330 $4,330
State Farm $3,079 $3,079
USAA $2,839 $3,109

Cheapest Albany, GA Car Insurance Rates by ZIP Code

Albany car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Albany, GA.

Annual Car Insurance Rates by ZIP Code in Albany, Georgia

ZIP Code Average Annual Rates
31701 $4,519
31705 $4,337
31707 $4,448
31721 $4,416

The Best Cheap Car Insurance Companies in Albany, GA

Take a look at a side-by-side comparison of the top car insurance companies in Albany, GA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Albany, Georgia

Insurance Company Average Annual Rates
Allstate $3,978
GEICO $2,677
Liberty Mutual $9,599
Nationwide $5,421
Progressive $4,330
State Farm $3,079
USAA $2,974

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Category Winners: Cheapest Car Insurance in Albany, Georgia

Find the cheapest car insurance companies in Albany, GA for each category right here.

Best Annual Car Insurance Rates by Company in Albany, Georgia

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Albany, GA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Albany car insurance rates. Find the cheapest Albany, GA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Albany, Georgia

Insurance Company Low Medium High
Allstate $3,611 $4,029 $4,295
GEICO $2,484 $2,690 $2,858
Liberty Mutual $9,170 $9,542 $10,083
Nationwide $5,128 $5,528 $5,609
Progressive $3,942 $4,255 $4,792
State Farm $2,864 $3,082 $3,290
USAA $2,827 $2,957 $3,137

What affects car insurance rates in Albany, Georgia?

What factors can have an impact on Albany, GA car insurance? There are several reasons why Albany car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Albany, Georgia.

Commute Time in Albany

The more time you spend in your car the higher the risk of an accident. The average commute length in Albany, GA is 17.8 minutes according to City-Data.

Traffic in Albany

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Albany, GA traffic data from INRIX ranks Albany as the 863rd-most congested in the world.

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Compare Car Insurance Quotes in Albany, GA

Ready to find affordable Albany, Georgia car insurance today? Enter your ZIP code for fast, free Albany, GA car insurance quotes.

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