Compare Albany, TX Car Insurance Rates (2021)

Car insurance in Albany, TX averages $309 a month. Albany, Texas car insurance requirements are 30/60/25, 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, TX.

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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 is USAA
  • Average car insurance rates in Albany, TX after a DUI are $4,211/year
  • Average car insurance rates in Albany, TX are $3,710/year

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

You’ll find Albany car insurance rates, the cheapest Albany, TX car insurance companies, and information on Texas car insurance laws. You can also compare Albany, Texas car insurance rates to Dallas car insurance rates, Arlington car insurance rates, and Laredo car insurance rates.

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

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

How do age, gender, and marital status affect Albany, TX car insurance rates? Every Albany, Texas 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, Texas

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 $3,395 $3,443 $3,353 $3,353 $8,801 $10,692 $4,224 $4,436
American Family $2,839 $3,113 $2,505 $2,829 $6,526 $8,666 $3,888 $4,432
GEICO $1,935 $2,066 $1,832 $2,041 $4,107 $4,278 $2,092 $2,106
Nationwide $2,412 $2,460 $2,126 $2,260 $6,729 $8,684 $2,821 $3,061
Progressive $2,858 $2,668 $2,526 $2,590 $11,752 $12,993 $3,326 $3,305
State Farm $1,813 $1,813 $1,604 $1,604 $4,190 $5,313 $1,960 $2,024
USAA $1,454 $1,480 $1,376 $1,388 $3,876 $4,276 $1,946 $2,126

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Minimum Car Insurance in Albany, TX

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

Minimum Required Car Insurance Coverage in Albany, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Albany, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Albany, TX. 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, Texas

Insurance Company Poor Fair Good
Allstate $6,625 $4,858 $4,153
American Family $6,141 $3,690 $3,218
GEICO $3,920 $2,240 $1,510
Nationwide $4,591 $3,672 $3,194
Progressive $5,933 $5,104 $4,720
State Farm $3,599 $2,238 $1,783
USAA $3,323 $1,888 $1,510

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

Annual Albany, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,104 $6,185 $6,455 $4,104
American Family $3,988 $5,016 $4,407 $3,988
GEICO $2,177 $2,837 $2,417 $2,798
Nationwide $3,304 $3,304 $4,927 $3,741
Progressive $4,575 $5,926 $5,354 $5,154
State Farm $2,273 $2,586 $3,028 $2,273
USAA $1,686 $2,452 $2,888 $1,934

Cheapest Albany, TX Car Insurance for Teen Drivers

Teen car insurance in Albany, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,801 $10,692
American Family $6,526 $8,666
GEICO $4,107 $4,278
Nationwide $6,729 $8,684
Progressive $11,752 $12,993
State Farm $4,190 $5,313
USAA $3,876 $4,276

Cheapest Albany, TX Car Insurance for Seniors

Take a look at Albany, TX 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, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,353 $3,353
American Family $2,505 $2,829
GEICO $1,832 $2,041
Nationwide $2,126 $2,260
Progressive $2,526 $2,590
State Farm $1,604 $1,604
USAA $1,376 $1,388

Cheapest Albany, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Albany, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,455
American Family $4,407
GEICO $2,417
Nationwide $4,927
Progressive $5,354
State Farm $3,028
USAA $2,888

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Cheapest Albany, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Albany, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,094 $5,330
American Family $4,350 $4,350
GEICO $2,508 $2,606
Nationwide $3,819 $3,819
Progressive $5,252 $5,252
State Farm $2,540 $2,540
USAA $2,212 $2,269

The Best Cheap Car Insurance Companies in Albany, TX

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

Average Annual Car Insurance Rates by Company in Albany, Texas

Insurance Company Average Annual Rates
Allstate $5,212
American Family $4,350
GEICO $2,557
Nationwide $3,819
Progressive $5,252
State Farm $2,540
USAA $2,240

Category Winners: Cheapest Car Insurance in Albany, Texas

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

Best Annual Car Insurance Rates by Company in Albany, Texas

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

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

Annual Car Insurance Rates by Coverage Level in Albany, Texas

Insurance Company Low Medium High
Allstate $5,128 $5,181 $5,327
American Family $4,147 $4,247 $4,655
GEICO $2,446 $2,533 $2,692
Nationwide $4,134 $3,653 $3,670
Progressive $4,910 $5,210 $5,637
State Farm $2,419 $2,533 $2,669
USAA $2,181 $2,233 $2,307

What affects car insurance rates in Albany, Texas?

What factors can have an impact on Albany, TX 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, Texas.

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, TX is 19.6 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, TX traffic data from INRIX ranks Albany as the 863rd-most congested in the world.

Compare Car Insurance Quotes in Albany, TX

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

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