Compare Albany, IN Car Insurance Rates (2021)

Car insurance in Albany, IN averages $249 a month. Albany, Indiana 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, IN.

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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 car insurance company in Albany is USAA
  • Average car insurance rates in Albany, IN are $2,992/year
  • The cheapest car insurance company in Albany for teen drivers is USAA

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

You’ll find Albany car insurance rates, the cheapest Albany, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Albany, Indiana car insurance rates to Fishers car insurance rates, Gary car insurance rates, and Carmel car insurance rates.

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

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

How do age, gender, and marital status affect Albany, IN car insurance rates? Every Albany, Indiana 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, Indiana

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 $2,326 $2,377 $2,050 $2,240 $7,256 $9,160 $2,357 $2,557
American Family $2,145 $2,145 $1,930 $1,930 $5,978 $8,627 $2,145 $2,616
Farmers $1,423 $1,405 $1,216 $1,366 $7,616 $8,109 $1,874 $2,028
GEICO $1,421 $1,418 $1,334 $1,389 $4,188 $3,889 $1,625 $1,432
Liberty Mutual $3,528 $3,528 $3,247 $3,247 $7,658 $11,535 $3,528 $4,816
Nationwide $1,423 $1,456 $1,252 $1,335 $4,069 $5,279 $1,662 $1,816
Progressive $1,422 $1,344 $1,292 $1,299 $8,356 $9,395 $1,778 $1,812
State Farm $1,429 $1,429 $1,279 $1,279 $4,437 $5,669 $1,584 $1,769
Travelers $1,030 $1,048 $968 $966 $6,234 $9,796 $1,089 $1,261
USAA $991 $975 $922 $927 $2,776 $3,102 $1,337 $1,429

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Minimum Car Insurance in Albany, IN

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

Minimum Required Car Insurance Coverage in Albany, Indiana

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, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Albany, IN. 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, Indiana

Insurance Company Poor Fair Good
Allstate $4,692 $3,499 $3,180
American Family $4,710 $3,052 $2,557
Farmers $3,654 $2,978 $2,758
GEICO $2,509 $2,087 $1,665
Liberty Mutual $6,838 $4,452 $4,117
Nationwide $2,600 $2,201 $2,059
Progressive $3,679 $3,259 $3,074
State Farm $3,438 $2,050 $1,589
Travelers $3,118 $2,641 $2,638
USAA $2,103 $1,384 $1,185

Cheapest Albany, IN 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, IN to rates for a clean record with top companies.

Annual Albany, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,016 $4,443 $4,105 $3,597
American Family $2,369 $3,784 $4,782 $2,823
Farmers $2,797 $3,268 $3,364 $3,090
GEICO $1,372 $2,152 $2,924 $1,900
Liberty Mutual $3,963 $4,705 $7,491 $4,383
Nationwide $1,971 $2,531 $2,428 $2,216
Progressive $2,507 $4,379 $2,987 $3,477
State Farm $2,302 $2,532 $2,302 $2,302
Travelers $2,378 $2,939 $3,329 $2,550
USAA $1,176 $1,672 $1,923 $1,458

Cheapest Albany, IN Car Insurance for Teen Drivers

Teen car insurance in Albany, IN 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, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,256 $9,160
American Family $5,978 $8,627
Farmers $7,616 $8,109
GEICO $4,188 $3,889
Liberty Mutual $7,658 $11,535
Nationwide $4,069 $5,279
Progressive $8,356 $9,395
State Farm $4,437 $5,669
Travelers $6,234 $9,796
USAA $2,776 $3,102

Cheapest Albany, IN Car Insurance for Seniors

Take a look at Albany, IN 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, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,050 $2,240
American Family $1,930 $1,930
Farmers $1,216 $1,366
GEICO $1,334 $1,389
Liberty Mutual $3,247 $3,247
Nationwide $1,252 $1,335
Progressive $1,292 $1,299
State Farm $1,279 $1,279
Travelers $968 $966
USAA $922 $927

Cheapest Albany, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Albany, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,105
American Family $4,782
Farmers $3,364
GEICO $2,924
Liberty Mutual $7,491
Nationwide $2,428
Progressive $2,987
State Farm $2,302
Travelers $3,329
USAA $1,923

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Cheapest Albany, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Albany, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,790 $3,790
American Family $3,398 $3,482
Farmers $3,130 $3,130
GEICO $2,049 $2,125
Liberty Mutual $5,000 $5,271
Nationwide $2,287 $2,287
Progressive $3,337 $3,337
State Farm $2,293 $2,425
Travelers $2,799 $2,799
USAA $1,537 $1,578

The Best Cheap Car Insurance Companies in Albany, IN

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

Average Annual Car Insurance Rates by Company in Albany, Indiana

Insurance Company Average Annual Rates
Allstate $3,790
American Family $3,440
Farmers $3,130
GEICO $2,087
Liberty Mutual $5,136
Nationwide $2,287
Progressive $3,337
State Farm $2,359
Travelers $2,799
USAA $1,557

Category Winners: Cheapest Car Insurance in Albany, Indiana

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

Best Annual Car Insurance Rates by Company in Albany, Indiana

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

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Cheapest Albany, IN 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, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Albany, Indiana

Insurance Company Low Medium High
Allstate $3,596 $3,775 $4,000
American Family $3,387 $3,553 $3,379
Farmers $3,022 $3,123 $3,244
GEICO $1,945 $2,081 $2,235
Liberty Mutual $4,951 $5,121 $5,335
Nationwide $2,325 $2,268 $2,267
Progressive $3,152 $3,285 $3,575
State Farm $2,248 $2,358 $2,471
Travelers $2,751 $2,825 $2,821
USAA $1,508 $1,554 $1,610

What affects car insurance rates in Albany, Indiana?

What factors can have an impact on Albany, IN 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, Indiana.

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, IN is 20.9 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, IN traffic data from INRIX ranks Albany as the 863rd-most congested in the world.

Compare Car Insurance Quotes in Albany, IN

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

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Average Monthly Car Insurance Rates by State