Compare Albany, KY Car Insurance Rates (2021)

Car insurance in Albany, KY averages $380 a month. Albany, Kentucky 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, KY.

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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, KY are $4,556/year
  • Average car insurance rates in Albany, KY after a DUI are $5,453/year

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

You’ll find Albany car insurance rates, the cheapest Albany, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Albany, Kentucky car insurance rates to Henderson car insurance rates, Hopkinsville car insurance rates, and Independence car insurance rates.

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

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

How do age, gender, and marital status affect Albany, KY car insurance rates? Every Albany, Kentucky 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, Kentucky

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 $3,047 $3,009 $2,764 $2,945 $11,389 $12,763 $3,356 $3,537
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,643 $2,861 $2,300 $2,562 $10,415 $11,452 $2,721 $2,763
Nationwide $3,534 $3,521 $3,188 $3,325 $7,948 $9,875 $4,012 $4,192
Progressive $2,265 $2,153 $2,036 $2,046 $11,053 $12,497 $2,808 $2,857
State Farm $2,329 $2,329 $2,084 $2,084 $7,056 $8,918 $2,600 $2,920
Travelers $2,482 $2,529 $2,424 $2,431 $11,733 $18,781 $2,589 $3,024
USAA $2,006 $2,002 $1,814 $1,835 $5,478 $5,754 $2,530 $2,762

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Minimum Car Insurance in Albany, KY

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

Minimum Required Car Insurance Coverage in Albany, Kentucky

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, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Albany, KY. 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, Kentucky

Insurance Company Poor Fair Good
Allstate $7,085 $4,894 $4,075
GEICO $6,836 $3,413 $2,224
Liberty Mutual $6,727 $4,145 $3,272
Nationwide $6,028 $4,724 $4,097
Progressive $5,269 $4,594 $4,281
State Farm $5,484 $3,307 $2,578
Travelers $6,426 $5,422 $5,399
USAA $4,486 $2,524 $2,058

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

Annual Albany, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,429 $5,788 $6,185 $5,003
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,931 $6,045 $4,699 $4,184
Nationwide $3,914 $5,093 $6,470 $4,320
Progressive $3,897 $5,781 $4,444 $4,735
State Farm $3,457 $4,123 $3,790 $3,790
Travelers $5,011 $5,159 $7,446 $5,380
USAA $2,272 $3,217 $3,861 $2,740

Cheapest Albany, KY Car Insurance for Teen Drivers

Teen car insurance in Albany, KY 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, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,389 $12,763
GEICO $6,851 $8,131
Liberty Mutual $10,415 $11,452
Nationwide $7,948 $9,875
Progressive $11,053 $12,497
State Farm $7,056 $8,918
Travelers $11,733 $18,781
USAA $5,478 $5,754

Cheapest Albany, KY Car Insurance for Seniors

Take a look at Albany, KY 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, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,764 $2,945
GEICO $3,510 $3,179
Liberty Mutual $2,300 $2,562
Nationwide $3,188 $3,325
Progressive $2,036 $2,046
State Farm $2,084 $2,084
Travelers $2,424 $2,431
USAA $1,814 $1,835

Cheapest Albany, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Albany, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,185
GEICO $6,731
Liberty Mutual $4,699
Nationwide $6,470
Progressive $4,444
State Farm $3,790
Travelers $7,446
USAA $3,861

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Cheapest Albany, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Albany, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,351 $5,351
GEICO $4,119 $4,197
Liberty Mutual $4,715 $4,715
Nationwide $4,949 $4,949
Progressive $4,714 $4,714
State Farm $3,698 $3,882
Travelers $5,749 $5,749
USAA $2,911 $3,134

The Best Cheap Car Insurance Companies in Albany, KY

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

Average Annual Car Insurance Rates by Company in Albany, Kentucky

Insurance Company Average Annual Rates
Allstate $5,351
GEICO $4,158
Liberty Mutual $4,715
Nationwide $4,949
Progressive $4,714
State Farm $3,790
Travelers $5,749
USAA $3,023

Category Winners: Cheapest Car Insurance in Albany, Kentucky

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

Best Annual Car Insurance Rates by Company in Albany, Kentucky

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

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

Annual Car Insurance Rates by Coverage Level in Albany, Kentucky

Insurance Company Low Medium High
Allstate $4,937 $5,328 $5,788
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,432 $4,675 $5,038
Nationwide $5,017 $4,889 $4,942
Progressive $4,323 $4,646 $5,174
State Farm $3,579 $3,787 $4,004
Travelers $5,487 $5,777 $5,984
USAA $2,881 $3,016 $3,171

What affects car insurance rates in Albany, Kentucky?

What factors can have an impact on Albany, KY 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, Kentucky.

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, KY is 22.2 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, KY traffic data from INRIX ranks Albany as the 863rd-most congested in the world.

Compare Car Insurance Quotes in Albany, KY

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

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