Compare Albany, NY Car Insurance Rates (2021)

Car insurance in Albany, NY averages $276 a month. Albany, New York car insurance requirements are 25/50/10, 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, NY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 for teen drivers is GEICO
  • Average car insurance rates in Albany, NY are $3,316/year
  • The cheapest car insurance company in Albany is GEICO

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

You’ll find Albany car insurance rates, the cheapest Albany, NY car insurance companies, and information on New York car insurance laws. You can also compare Albany, New York car insurance rates to Yonkers car insurance rates, Buffalo car insurance rates, and Albany car insurance rates.

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

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

How do age, gender, and marital status affect Albany, NY car insurance rates? Every Albany, New York 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, New York

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 $2,685 $2,528 $2,534 $2,582 $8,144 $8,806 $2,634 $2,652
GEICO $1,446 $1,395 $1,411 $1,390 $3,117 $4,626 $1,300 $1,343
Liberty Mutual $3,353 $3,353 $3,125 $3,125 $6,539 $10,591 $3,353 $3,555
Nationwide $2,041 $2,041 $1,929 $1,929 $3,658 $5,430 $2,041 $2,598
Progressive $1,773 $1,644 $1,411 $1,435 $6,329 $7,053 $2,312 $2,253
State Farm $1,972 $1,972 $1,726 $1,726 $5,969 $7,697 $2,176 $2,314
Travelers $2,799 $2,793 $2,576 $2,741 $6,706 $7,979 $2,969 $3,072
USAA $1,532 $1,502 $1,397 $1,391 $6,246 $7,415 $1,952 $2,149

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Minimum Car Insurance in Albany, NY

Every driver must carry the minimum car insurance in Albany, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Albany, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Albany, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Albany, NY. 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, New York

Insurance Company Poor Fair Good
Allstate $5,840 $3,422 $2,950
GEICO $2,511 $1,844 $1,656
Liberty Mutual $6,458 $4,235 $3,180
Nationwide $2,708 $2,708 $2,708
Progressive $4,764 $2,485 $1,829
State Farm $4,509 $2,828 $2,245
Travelers $5,442 $3,437 $2,984
USAA $4,508 $2,300 $2,036

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

Annual Albany, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,424 $3,424 $5,074 $4,360
GEICO $1,555 $1,696 $3,209 $1,555
Liberty Mutual $3,689 $3,689 $7,431 $3,689
Nationwide $2,080 $2,080 $4,546 $2,127
Progressive $2,941 $2,941 $3,264 $2,959
State Farm $3,038 $3,038 $3,351 $3,351
Travelers $3,349 $4,236 $4,298 $3,934
USAA $2,609 $2,652 $3,879 $2,652

Cheapest Albany, NY Car Insurance for Teen Drivers

Teen car insurance in Albany, NY 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, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,144 $8,806
GEICO $3,117 $4,626
Liberty Mutual $6,539 $10,591
Nationwide $3,658 $5,430
Progressive $6,329 $7,053
State Farm $5,969 $7,697
Travelers $6,706 $7,979
USAA $6,246 $7,415

Cheapest Albany, NY Car Insurance for Seniors

Take a look at Albany, NY 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, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,534 $2,582
GEICO $1,411 $1,390
Liberty Mutual $3,125 $3,125
Nationwide $1,929 $1,929
Progressive $1,411 $1,435
State Farm $1,726 $1,726
Travelers $2,576 $2,741
USAA $1,397 $1,391

Cheapest Albany, NY Car Insurance Rates After a DUI

A DUI in Albany, NY increases car insurance rates. Compare Albany, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Albany, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,074
GEICO $3,209
Liberty Mutual $7,431
Nationwide $4,546
Progressive $3,264
State Farm $3,351
Travelers $4,298
USAA $3,879

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Cheapest Albany, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Albany, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,015 $4,126
GEICO $1,944 $2,063
Liberty Mutual $4,496 $4,753
Nationwide $2,708 $2,708
Progressive $3,026 $3,026
State Farm $3,084 $3,304
Travelers $3,954 $3,954
USAA $2,919 $2,977

Cheapest Albany, NY 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, NY.

Annual Car Insurance Rates by ZIP Code in Albany, New York

ZIP Code Average Annual Rates
12202 $3,434
12203 $3,336
12204 $3,399
12205 $3,343
12206 $3,445
12207 $3,438
12208 $3,329
12209 $3,332
12210 $3,445
12211 $3,345
12222 $3,333
12223 $3,386
12226 $3,386
12260 $3,432

The Best Cheap Car Insurance Companies in Albany, NY

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

Average Annual Car Insurance Rates by Company in Albany, New York

Insurance Company Average Annual Rates
Allstate $4,071
GEICO $2,004
Liberty Mutual $4,624
Nationwide $2,708
Progressive $3,026
State Farm $3,194
Travelers $3,954
USAA $2,948

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Category Winners: Cheapest Car Insurance in Albany, New York

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

Best Annual Car Insurance Rates by Company in Albany, New York

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

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

Annual Car Insurance Rates by Coverage Level in Albany, New York

Insurance Company Low Medium High
Allstate $3,825 $4,056 $4,331
GEICO $1,899 $2,003 $2,110
Liberty Mutual $4,407 $4,607 $4,859
Nationwide $2,546 $2,689 $2,890
Progressive $2,876 $3,014 $3,189
State Farm $3,009 $3,215 $3,358
Travelers $3,766 $3,923 $4,174
USAA $2,855 $2,933 $3,055

What affects car insurance rates in Albany, New York?

What factors can have an impact on Albany, NY 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, New York.

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, NY is 19.0 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, NY traffic data from INRIX ranks Albany as the 863rd-most congested in the world.

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Compare Car Insurance Quotes in Albany, NY

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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