Compare Albany, MN Car Insurance Rates (2021)

Car insurance in Albany, MN averages $372 a month. Albany, Minnesota car insurance requirements are 30/60/10, 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, MN.

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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

  • Average car insurance rates in Albany, MN after a DUI are $6,099/year
  • Average car insurance rates in Albany, MN are $4,469/year
  • The cheapest car insurance company in Albany is State Farm

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

You’ll find Albany car insurance rates, the cheapest Albany, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Albany, Minnesota car insurance rates to Minneapolis car insurance rates, St. Paul car insurance rates, and Rochester car insurance rates.

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

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

How do age, gender, and marital status affect Albany, MN car insurance rates? Every Albany, Minnesota 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, Minnesota

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 $3,011 $3,011 $2,893 $2,893 $6,796 $9,837 $3,661 $3,846
American Family $2,344 $2,344 $2,122 $2,122 $6,383 $9,279 $2,344 $2,650
Farmers $2,501 $2,489 $2,408 $2,526 $6,966 $6,936 $3,250 $3,151
GEICO $2,791 $2,768 $2,666 $2,591 $5,874 $7,453 $2,614 $2,712
Liberty Mutual $8,791 $8,791 $8,708 $8,708 $17,054 $25,465 $8,791 $12,140
Nationwide $1,986 $1,996 $1,766 $1,876 $5,038 $6,127 $2,328 $2,421
State Farm $1,494 $1,494 $1,342 $1,342 $3,292 $3,998 $1,720 $1,429
USAA $1,896 $1,873 $1,730 $1,726 $4,968 $5,411 $2,463 $2,611

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Minimum Car Insurance in Albany, MN

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

Minimum Required Car Insurance Coverage in Albany, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Albany, MN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Albany, MN. 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, Minnesota

Insurance Company Poor Fair Good
Allstate $6,603 $3,567 $3,311
American Family $5,039 $3,356 $2,701
Farmers $4,752 $3,404 $3,179
GEICO $4,422 $3,616 $3,012
Liberty Mutual $17,156 $11,093 $8,670
Nationwide $3,501 $2,822 $2,504
State Farm $2,936 $1,796 $1,310
USAA $4,423 $2,183 $1,898

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

Annual Albany, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,292 $4,741 $5,655 $4,287
American Family $2,492 $4,449 $5,030 $2,825
Farmers $3,225 $4,093 $4,141 $3,655
GEICO $2,445 $3,887 $5,782 $2,620
Liberty Mutual $8,841 $12,282 $18,570 $9,532
Nationwide $2,331 $3,100 $3,571 $2,767
State Farm $1,843 $2,185 $2,014 $2,014
USAA $2,110 $2,682 $4,033 $2,514

Cheapest Albany, MN Car Insurance for Teen Drivers

Teen car insurance in Albany, MN 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, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,796 $9,837
American Family $6,383 $9,279
Farmers $6,966 $6,936
GEICO $5,874 $7,453
Liberty Mutual $17,054 $25,465
Nationwide $5,038 $6,127
State Farm $3,292 $3,998
USAA $4,968 $5,411

Cheapest Albany, MN Car Insurance for Seniors

Take a look at Albany, MN 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, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,893 $2,893
American Family $2,122 $2,122
Farmers $2,408 $2,526
GEICO $2,666 $2,591
Liberty Mutual $8,708 $8,708
Nationwide $1,766 $1,876
State Farm $1,342 $1,342
USAA $1,730 $1,726

Cheapest Albany, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Albany, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,655
American Family $5,030
Farmers $4,141
GEICO $5,782
Liberty Mutual $18,570
Nationwide $3,571
State Farm $2,014
USAA $4,033

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Cheapest Albany, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Albany, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,494 $4,494
American Family $3,655 $3,742
Farmers $3,778 $3,778
GEICO $3,634 $3,733
Liberty Mutual $11,953 $12,660
Nationwide $2,942 $2,942
State Farm $1,958 $2,070
USAA $2,797 $2,872

The Best Cheap Car Insurance Companies in Albany, MN

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

Average Annual Car Insurance Rates by Company in Albany, Minnesota

Insurance Company Average Annual Rates
Allstate $4,494
American Family $3,699
Farmers $3,778
GEICO $3,683
Liberty Mutual $12,306
Nationwide $2,942
State Farm $2,014
USAA $2,835

Category Winners: Cheapest Car Insurance in Albany, Minnesota

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

Best Annual Car Insurance Rates by Company in Albany, Minnesota

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

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

Annual Car Insurance Rates by Coverage Level in Albany, Minnesota

Insurance Company Low Medium High
Allstate $4,429 $4,491 $4,561
American Family $3,694 $3,801 $3,601
Farmers $3,654 $3,790 $3,891
GEICO $3,563 $3,682 $3,805
Liberty Mutual $11,982 $12,317 $12,619
Nationwide $2,785 $2,962 $3,080
State Farm $1,931 $2,021 $2,089
USAA $2,752 $2,833 $2,919

What affects car insurance rates in Albany, Minnesota?

What factors can have an impact on Albany, MN 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, Minnesota.

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, MN is 22.4 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, MN traffic data from INRIX ranks Albany as the 863rd-most congested in the world.

Compare Car Insurance Quotes in Albany, MN

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

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