Cheapest Auto Insurance in Albany, Georgia (2025)
Progressive offers the cheapest car insurance in Albany, with liability rates starting at $78 per month.
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Albany drivers pay an overall average of $185 per month for car insurance. That’s below the state average of $206 per month and on par with the overall national average of $143 per month.
Albany’s population of around 67,000 might pay lower rates than other Peach State drivers due to the relatively smaller size of the city.1 For example, drivers in more densely populated Atlanta pay an average of $279 per month for car insurance.
Whether you’re new to the Albany area or you’re a longtime resident looking for a new policy, here’s what you should know about comparing quotes and finding cheap rates.
Quick Facts
Auto-Owners offers the lowest rates for full coverage in Albany, starting at $119 per month.
Progressive, Mile Auto, and Auto-Owners offer the lowest liability insurance quotes in Albany.
Albany drivers pay an average of $145 per month for liability-only insurance and $225 per month for full-coverage policies.
3 of the cheapest car insurance companies in Albany
Your age, gender, driving history, ZIP code, and more affect the price you pay for auto insurance, and different companies weigh each of these factors differently. That’s why it’s important to shop around and compare quotes from multiple car insurance companies to find the most affordable policy for you.
As you start your search, it’s helpful to find out which insurers offer better rates consistently. Here are a few of the most continually affordable car insurance companies in Albany, as well as their statewide rates.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for savings opportunities: State Farm
Best insurer for customer service: Auto-Owners
Best insurer for infrequent drivers: Hugo
How to get the cheapest car insurance in Albany
The price you’ll pay for car insurance depends on a number of factors, including your ZIP code, age, driving record, credit history, local crime rates, vehicle type, and more. Some of these factors are outside your control, but you can still take action to save money on car insurance.
Use the strategies below to lock in the most affordable option for your situation:
Raise your deductible. Opting for a higher deductible will generally lower your premium because you’re taking on more of the risk yourself. Just make sure to never set a deductible so high you can’t afford to pay it if you need to file a claim.
Bundle policies. If you need more than one type of insurance policy, you could score savings by purchasing multiple policies through the same insurer. For example, you might tap into cheaper auto insurance if you buy a homeowners policy or life insurance through the same company.
Find discounts. Many insurers offer discount opportunities. Ask your insurer what discounts you may qualify for.
Shop around. Take the time to get quotes from multiple insurance companies. Since every insurance company has a different method of determining rates, shopping around can help you find the lowest rates for your desired policy.
Cheapest liability-only car insurance in Albany: Progressive
Liability-only car insurance includes bodily injury and property damage liability coverage. This means the insurer will help you pay for damage and injuries sustained in an accident you cause. But the insurer won’t help you pay to replace your own vehicle or cover your medical bills.
In Albany, liability-only car insurance costs an average of $145 per month. The table below highlights the average rates for liability-only policies from Albany insurers.
Cheapest full-coverage car insurance in Albany: Auto-Owners
A full-coverage car insurance policy involves more financial protection than liability-only coverage. In addition to liability coverage, a full-coverage policy includes collision and comprehensive coverage. After an incident, the insurance company can help you pay to repair or replace your own vehicle.
If you’re leasing a vehicle or paying off an auto loan, your lender will likely require you to carry full coverage. But even if you aren’t required to buy this car insurance coverage, it can be an especially good choice if you wouldn’t be able to repair or replace your vehicle after an accident.
A full-coverage car insurance policy in Albany has an average cost of $225 per month. The table below highlights the average full-coverage car insurance costs from companies in Albany.
Car insurance requirements in Georgia
Georgia law requires drivers to carry a minimum amount of car insurance to drive legally on public roadways.
Here are the specific minimum coverage requirements Georgia drivers must meet.
A policy with a minimum amount of liability insurance won’t help you repair or replace your own vehicle after an accident. If you want more financial protection before hitting the open road, you might benefit from the following coverage options:
Cheapest car insurance for drivers with an incident
Incidents on your driving records, including speeding tickets, driving under the influence citations, and at-fault accidents, tend to push your car insurance rates higher. This is because insurers tend to consider you a high-risk driver if you have an incident on your record, and they compensate for this increased risk by raising your rates.
On average, Albany drivers with a past incident pay $172 per month for liability coverage.
The table below highlights how an incident on your driving record can affect average liability car insurance quotes in Albany.
Average cost of car insurance by age
Auto insurance companies also take your age into account when setting premiums. Teen drivers pay more for car insurance due to a lack of experience behind the wheel.
As drivers increase their years of experience on the road, they start to notice falling auto insurance rates between ages 35 and 70. After age 70, car insurance rates tend to climb again for senior drivers.
The table below illustrates how average quotes vary by age group in Albany.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Albany car insurance quotes by credit tier
Insurance companies in the state of Georgia can consider credit-based insurance scores when determining your premiums. This means drivers with excellent or good credit pay less for car insurance than drivers with poor credit.
Here, you can see how your credit tier affects your rates in Albany.
Albany car insurance FAQs
If you still have some lingering questions about how to find the cheapest car insurance in Albany, the additional information below can help.
How much is car insurance in Albany?
The average rate for liability car insurance in Albany is $145 per month, and the average monthly rate for full-coverage insurance is $225. These rates are below the state average and comparable to national averages.
Which company has the cheapest car insurance in Albany?
Progressive offers the cheapest car insurance in Albany, starting at $78 per month for liability coverage. Mile Auto and Auto-Owners also offer low rates, at $79 and $90 per month, respectively.
What are the best car insurance companies in Albany?
Hugo, State Farm, and Auto-Owners Insurance rank as three of the top insurers in Albany. Hugo is a newer insurer known for its flexibility and for offering customers the ability to get insurance for brief periods of time. State Farm and Auto-Owners have longer tenures and are known for their discounts and customer service.
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