Albany, GA Car Insurance

The average cost for car insurance in Albany is about $85 a month. Read our guide below to learn more about your specific rates.
How much can residents of Albany expect to pay for their car insurance? Are rates in Albany higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Albany?

Area Average Monthly Car Insurance Premium
Albany$85
GA$106
United States$81

Looking at the chart above, you can see it's around $21 a month cheaper to insure your vehicle in Albany than it is in the rest of Georgia.

On the flip side, drivers in Albany may pay higher rates than the rest of the country. You can expect to pay about $4 more for your policy in Albany.

Bear in mind that while these rates are the average costs for Albany drivers, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Albany residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$138
25-34$85
35-44$76
45-54Not Enough Data
55-64$66
65+$79

Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may begin to go back up in Albany.

Average Car Insurance Rates by Gender

Gender Average
Male$86
Female$85

Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Albany is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$107
Multiple Accidents$152
1 Ticket$97
Multiple Tickets$135

Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. Drivers in Albany with a single accident on their record will usually see rates around $107 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $97.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$88
2-3 Years$96
4-5 Years$86
6-7 Years$88
8-10 Years$86
11-14 Years$90
15 Years or Older$80

In terms of affordable coverage, the cheapest vehicles to insure in Albany are usually trucks and vans, at $75 per month.

Car owners, on the other hand, by and large pay around $88 a month, while SUV drivers can expect to pay about $84 per month for insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Albany, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$89
Married$71
Divorced$76
Widowed$81

On average, people who are married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Albany is about $18 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$87
Live with parents$96

One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $7 a month more than homeowners in Albany. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Albany, GA

Recent trends in car insurance for Albany drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

Auto insurance rates in Albany dropped from 2017-2019, before steadying out in 2020. They finished down in 2022, at $61 a month

How does Albany compare to neighboring areas?

Why are car insurance rates in Albany different from other areas?

Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Community regulations
  • Number of drivers
  • Amount of off-street parking
  • Rate of crime
  • General road safety (how many accidents each locality has)

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Albany?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Albany in no time.

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Albany Insurance FAQs

What factors affect car insurance quotes in Albany?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Albany different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Albany?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Albany?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Albany or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes