Compare Albany, MO Car Insurance Rates (2021)

Car insurance in Albany, MO averages $271 a month. Albany, Missouri 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, MO.

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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, MO are $3,246/year
  • The cheapest car insurance company in Albany is Nationwide
  • Average car insurance rates in Albany, MO after a DUI are $3,766/year

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

You’ll find Albany car insurance rates, the cheapest Albany, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Albany, Missouri car insurance rates to Kansas City car insurance rates, St. Louis car insurance rates, and Florissant car insurance rates.

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

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

How do age, gender, and marital status affect Albany, MO car insurance rates? Every Albany, Missouri 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, Missouri

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 $2,854 $2,764 $2,566 $2,647 $7,916 $8,591 $2,737 $2,829
American Family $2,141 $2,141 $1,900 $1,900 $5,644 $7,378 $2,141 $2,527
Farmers $2,312 $2,303 $2,071 $2,187 $9,201 $9,507 $2,631 $2,759
GEICO $2,009 $2,221 $1,556 $1,927 $5,934 $6,311 $1,888 $1,926
Liberty Mutual $2,616 $2,841 $2,157 $2,419 $8,499 $9,439 $2,766 $2,963
Nationwide $1,482 $1,525 $1,315 $1,407 $3,685 $4,778 $1,686 $1,839
Progressive $2,143 $2,030 $1,754 $1,798 $6,464 $7,294 $2,625 $2,694
State Farm $1,690 $1,690 $1,479 $1,479 $4,434 $5,645 $1,889 $2,132
USAA $1,523 $1,516 $1,356 $1,392 $4,422 $5,416 $1,911 $2,134

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Minimum Car Insurance in Albany, MO

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

Minimum Required Car Insurance Coverage in Albany, Missouri

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, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Albany, MO. 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, Missouri

Insurance Company Poor Fair Good
Allstate $5,671 $3,651 $3,016
American Family $4,215 $2,958 $2,491
Farmers $4,717 $3,919 $3,728
GEICO $4,104 $2,672 $2,137
Liberty Mutual $6,060 $3,676 $2,901
Nationwide $2,622 $2,149 $1,873
Progressive $3,889 $3,207 $2,955
State Farm $3,363 $2,325 $1,977
USAA $4,127 $1,897 $1,352

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

Annual Albany, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,531 $3,980 $4,947 $3,994
American Family $2,465 $3,478 $4,161 $2,782
Farmers $3,590 $4,417 $4,323 $4,156
GEICO $2,388 $3,000 $3,932 $2,565
Liberty Mutual $3,078 $4,378 $4,536 $4,858
Nationwide $1,770 $2,232 $2,933 $1,924
Progressive $2,959 $3,817 $3,233 $3,392
State Farm $2,379 $2,731 $2,555 $2,555
USAA $1,998 $2,393 $3,276 $2,169

Cheapest Albany, MO Car Insurance for Teen Drivers

Teen car insurance in Albany, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,916 $8,591
American Family $5,644 $7,378
Farmers $9,201 $9,507
GEICO $5,934 $6,311
Liberty Mutual $8,499 $9,439
Nationwide $3,685 $4,778
Progressive $6,464 $7,294
State Farm $4,434 $5,645
USAA $4,422 $5,416

Cheapest Albany, MO Car Insurance for Seniors

Take a look at Albany, MO 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, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,566 $2,647
American Family $1,900 $1,900
Farmers $2,071 $2,187
GEICO $1,556 $1,927
Liberty Mutual $2,157 $2,419
Nationwide $1,315 $1,407
Progressive $1,754 $1,798
State Farm $1,479 $1,479
USAA $1,356 $1,392

Cheapest Albany, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Albany, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,947
American Family $4,161
Farmers $4,323
GEICO $3,932
Liberty Mutual $4,536
Nationwide $2,933
Progressive $3,233
State Farm $2,555
USAA $3,276

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Cheapest Albany, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Albany, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,113 $4,113
American Family $3,189 $3,254
Farmers $4,121 $4,121
GEICO $2,910 $3,032
Liberty Mutual $4,212 $4,212
Nationwide $2,215 $2,215
Progressive $3,350 $3,350
State Farm $2,493 $2,617
USAA $2,369 $2,548

The Best Cheap Car Insurance Companies in Albany, MO

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

Average Annual Car Insurance Rates by Company in Albany, Missouri

Insurance Company Average Annual Rates
Allstate $4,113
American Family $3,221
Farmers $4,121
GEICO $2,971
Liberty Mutual $4,212
Nationwide $2,215
Progressive $3,350
State Farm $2,555
USAA $2,459

Category Winners: Cheapest Car Insurance in Albany, Missouri

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

Best Annual Car Insurance Rates by Company in Albany, Missouri

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

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

Annual Car Insurance Rates by Coverage Level in Albany, Missouri

Insurance Company Low Medium High
Allstate $3,976 $4,105 $4,258
American Family $3,148 $3,325 $3,191
Farmers $3,885 $4,087 $4,392
GEICO $2,815 $2,987 $3,111
Liberty Mutual $3,993 $4,231 $4,413
Nationwide $2,095 $2,233 $2,316
Progressive $3,049 $3,358 $3,644
State Farm $2,428 $2,561 $2,675
USAA $2,371 $2,452 $2,554

What affects car insurance rates in Albany, Missouri?

What factors can have an impact on Albany, MO 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, Missouri.

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, MO is 16.2 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, MO traffic data from INRIX ranks Albany as the 863rd-most congested in the world.

Compare Car Insurance Quotes in Albany, MO

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

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