Compare Albany, OR Car Insurance Rates (2021)

Car insurance in Albany, OR averages $266 a month. Albany, Oregon car insurance requirements are 25/50/20, 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, OR.

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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
  • The cheapest car insurance company in Albany for teen drivers is USAA
  • Average car insurance rates in Albany, OR after a DUI are $3,755/year

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

You’ll find Albany car insurance rates, the cheapest Albany, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Albany, Oregon car insurance rates to Gresham car insurance rates, Eugene car insurance rates, and Bend car insurance rates.

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

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

How do age, gender, and marital status affect Albany, OR car insurance rates? Every Albany, Oregon 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, Oregon

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 $2,802 $2,606 $2,560 $2,583 $8,310 $9,249 $2,927 $2,936
American Family $2,226 $2,226 $1,985 $1,985 $5,518 $8,671 $2,226 $2,330
Farmers $1,821 $1,777 $1,607 $1,711 $7,631 $7,802 $2,040 $2,087
GEICO $2,046 $1,977 $1,926 $1,952 $5,300 $4,806 $2,175 $1,861
Liberty Mutual $2,894 $3,047 $2,528 $2,816 $9,246 $9,947 $2,735 $2,730
Nationwide $2,082 $2,065 $1,861 $1,939 $4,792 $5,967 $2,430 $2,553
Progressive $1,684 $1,524 $1,470 $1,513 $7,267 $7,990 $2,005 $1,890
State Farm $1,510 $1,510 $1,388 $1,388 $4,852 $6,090 $1,714 $1,963
Travelers $1,720 $1,734 $1,558 $1,620 $4,894 $5,949 $1,795 $1,824
USAA $1,490 $1,446 $1,476 $1,426 $4,481 $4,808 $1,913 $1,987

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Minimum Car Insurance in Albany, OR

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

Minimum Required Car Insurance Coverage in Albany, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Albany, OR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Albany, OR. 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, Oregon

Insurance Company Poor Fair Good
Allstate $5,569 $3,927 $3,245
American Family $4,305 $3,186 $2,696
Farmers $3,818 $3,137 $2,973
GEICO $3,321 $2,755 $2,189
Liberty Mutual $6,620 $3,877 $2,982
Nationwide $3,572 $2,843 $2,469
Progressive $3,552 $3,079 $2,872
State Farm $3,563 $2,273 $1,819
Travelers $3,285 $2,589 $2,037
USAA $3,556 $1,991 $1,588

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

Annual Albany, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,431 $4,614 $4,766 $4,176
American Family $2,361 $3,630 $4,566 $3,026
Farmers $2,789 $3,599 $3,519 $3,331
GEICO $1,811 $2,901 $3,822 $2,489
Liberty Mutual $3,977 $4,454 $5,109 $4,431
Nationwide $2,518 $2,694 $3,792 $2,842
Progressive $2,396 $4,352 $3,077 $2,845
State Farm $2,259 $2,962 $2,493 $2,493
Travelers $2,140 $2,738 $3,063 $2,606
USAA $1,731 $2,413 $3,345 $2,024

Cheapest Albany, OR Car Insurance for Teen Drivers

Teen car insurance in Albany, OR 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, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,310 $9,249
American Family $5,518 $8,671
Farmers $7,631 $7,802
GEICO $5,300 $4,806
Liberty Mutual $9,246 $9,947
Nationwide $4,792 $5,967
Progressive $7,267 $7,990
State Farm $4,852 $6,090
Travelers $4,894 $5,949
USAA $4,481 $4,808

Cheapest Albany, OR Car Insurance for Seniors

Take a look at Albany, OR 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, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,560 $2,583
American Family $1,985 $1,985
Farmers $1,607 $1,711
GEICO $1,926 $1,952
Liberty Mutual $2,528 $2,816
Nationwide $1,861 $1,939
Progressive $1,470 $1,513
State Farm $1,388 $1,388
Travelers $1,558 $1,620
USAA $1,476 $1,426

Cheapest Albany, OR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Albany, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,766
American Family $4,566
Farmers $3,519
GEICO $3,822
Liberty Mutual $5,109
Nationwide $3,792
Progressive $3,077
State Farm $2,493
Travelers $3,063
USAA $3,345

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Cheapest Albany, OR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Albany, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,247 $4,247
American Family $3,344 $3,448
Farmers $3,309 $3,309
GEICO $2,711 $2,800
Liberty Mutual $4,493 $4,493
Nationwide $2,961 $2,961
Progressive $3,168 $3,168
State Farm $2,485 $2,618
Travelers $2,532 $2,742
USAA $2,310 $2,446

Cheapest Albany, OR 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, OR.

Annual Car Insurance Rates by ZIP Code in Albany, Oregon

ZIP Code Average Annual Rates
97321 $2,938
97322 $3,054

The Best Cheap Car Insurance Companies in Albany, OR

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

Average Annual Car Insurance Rates by Company in Albany, Oregon

Insurance Company Average Annual Rates
Allstate $4,247
American Family $3,396
Farmers $3,309
GEICO $2,755
Liberty Mutual $4,493
Nationwide $2,961
Progressive $3,168
State Farm $2,552
Travelers $2,637
USAA $2,378

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Category Winners: Cheapest Car Insurance in Albany, Oregon

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

Best Annual Car Insurance Rates by Company in Albany, Oregon

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

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

Annual Car Insurance Rates by Coverage Level in Albany, Oregon

Insurance Company Low Medium High
Allstate $4,080 $4,237 $4,423
American Family $3,371 $3,592 $3,225
Farmers $3,106 $3,267 $3,556
GEICO $2,498 $2,771 $2,998
Liberty Mutual $4,155 $4,477 $4,847
Nationwide $2,796 $3,041 $3,047
Progressive $3,054 $3,153 $3,297
State Farm $2,401 $2,556 $2,699
Travelers $2,478 $2,624 $2,809
USAA $2,270 $2,381 $2,485

What affects car insurance rates in Albany, Oregon?

What factors can have an impact on Albany, OR 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, Oregon.

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, OR is 20.8 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, OR traffic data from INRIX ranks Albany as the 863rd-most congested in the world.

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Compare Car Insurance Quotes in Albany, OR

Ready to find affordable Albany, Oregon car insurance today? Enter your ZIP code for fast, free Albany, OR 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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