Cheapest Auto Insurance in Albany, Georgia (2024)
Hugo offers the cheapest car insurance in Albany, with liability rates starting at $51 per month.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
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Updated October 30, 2024
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Table of contents
Albany drivers pay an overall average of $174 per month for car insurance. That’s below the state average of $196 per month and on par with the overall national average of $158 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 $248 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 $87 per month.
Hugo, Auto-Owners, and State Farm offer the lowest liability insurance quotes in Albany.
Albany drivers pay an average of $133 per month for liability-only insurance and $216 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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $101 | $64 | Savings opportunities |
| Auto-Owners | 8.5 | $94 | $59 | Customer service |
| Hugo | 7.0 | N/A | $274 | Infrequent drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 28,000 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
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $94/mo |
Almost 25% of Albany’s population is younger than 18, and many families can find savings through State Farm. Discounts are available for taking a defensive driving course, safe driving, and insuring multiple vehicles.
State Farm also offers bundling discounts. Some other insurance products that State Farm offers include renters insurance, home insurance, life insurance, motorcycle insurance, boat insurance, small-business insurance, and pet insurance.
Pros
Above-average J.D. Power customer satisfaction rating in the Southeast
Some of the lowest rates in Albany
Cons
No gap insurance available
May not be a good choice for high-risk drivers
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
…
Best insurer for customer service: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $87/mo |
If you want to talk through your options with an insurance agent, you might prefer to work with Auto-Owners. The company requires you to call an agent to finalize your car insurance policy, which gives you a chance to ask any follow-up questions. And if you’re having trouble landing on the right policy, a live agent can be very helpful.
Beyond access to a network of friendly local agents, Auto-Owners also offers Albany residents some of the most affordable car insurance rates in the area.
Read more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha - October 28, 2024
Verified
Good
The premiums keep increasing.
Lawrence - October 24, 2024
Verified
Honest Answers to Questions
Please refer to my answers to the previous questions.
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Best insurer for infrequent drivers: Hugo
HugoCompare personalized, real-time quotes
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $206/mo |
Hugo offers on-demand, short-term car insurance, and you can use a Hugo Flex policy to pause or restart coverage at any time without a fee for the change. You can even purchase coverage for as little as three days at a time.
In addition, Hugo’s on-demand model means you might be able to avoid paying for coverage on days you don’t plan on driving.
Pros
Proof of insurance available immediately
No down payment required
Cons
Limited coverage customization options
Available in only 13 states
Read more driver reviews of Hugo
Dawn - October 21, 2024
Verified
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
Kimberly - September 21, 2024
Verified
Hugo Whoa!
It's steep, but convenient.
Sheila - September 10, 2024
Verified
Great in a Pinch
It's good when you need it on the spot and don't have a lot of money because you pay daily. However, it's very expensive in the long run.
…
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.
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Liability rates start at $51 per month
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Cheapest liability-only car insurance in Albany: Hugo
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 $133 per month. The table below highlights the average rates for liability-only policies from Albany insurers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $51 |
| Auto-Owners | $58 |
| State Farm | $62 |
| COUNTRY Financial | $63 |
| Allstate | $68 |
| Mile Auto | $69 |
| USAA | $72 |
| Progressive | $84 |
| Safeco | $88 |
| GEICO | $100 |
| Mercury | $104 |
| Clearcover | $109 |
| Elephant | $125 |
| Liberty Mutual | $125 |
| Direct Auto | $126 |
| AssuranceAmerica | $128 |
| GAINSCO | $140 |
| Midvale Home & Auto | $140 |
| National General | $146 |
| Nationwide | $150 |
| Infinity | $184 |
| The General | $190 |
| Bristol West | $211 |
| Foremost | $227 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $216 per month. The table below highlights the average full-coverage car insurance costs from companies in Albany.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $87 |
| State Farm | $94 |
| COUNTRY Financial | $96 |
| Allstate | $103 |
| USAA | $110 |
| Mile Auto | $115 |
| Safeco | $143 |
| Progressive | $146 |
| GEICO | $151 |
| Mercury | $162 |
| Elephant | $179 |
| State Auto | $197 |
| Clearcover | $205 |
| Hugo | $206 |
| Midvale Home & Auto | $215 |
| AssuranceAmerica | $223 |
| Liberty Mutual | $226 |
| Nationwide | $226 |
| Direct Auto | $231 |
| National General | $247 |
| Foremost | $283 |
| GAINSCO | $284 |
| The General | $326 |
| Infinity | $346 |
| Bristol West | $410 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Albany, Georgia
Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $62/mo for full coverage in Albany and other Georgia cities.
*Quotes generated for Insurify users in and around Albany, Georgia within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Albany, Georgia within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.
Coverage ▲▼ | Minimum Requirements4 ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per incident |
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:
Collision coverage
After a car accident, collision insurance helps pay for repairs to your own vehicle. Collisions include accidents with other vehicles and crashes with stationary objects, like a tree or utility pole.
Comprehensive coverage
If something other than a collision damages your vehicle, comprehensive car insurance can help you pay for repairs. Commonly covered events include theft, severe weather, and vandalism.
Uninsured/underinsured motorist coverage
Although insurance is required, that doesn’t mean everyone has it. If a motorist driving without insurance causes injuries or damage to you or your vehicle, a UM/UIM auto policy can help you pay for repair costs and medical expenses.
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 $174 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.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Hugo | $51 | $65 | $74 | $84 |
| Auto-Owners | $58 | $75 | $79 | $96 |
| State Farm | $62 | $79 | $83 | $102 |
| COUNTRY Financial | $63 | $83 | $89 | $104 |
| Allstate | $68 | $87 | $92 | $112 |
| Mile Auto | $69 | $91 | $98 | $114 |
| USAA | $72 | $92 | $97 | $119 |
| Progressive | $84 | $108 | $115 | $138 |
| Safeco | $88 | $115 | $116 | $145 |
| GEICO | $100 | $128 | $136 | $165 |
| Mercury | $104 | $143 | $150 | $157 |
| Clearcover | $109 | $142 | $158 | $180 |
| Elephant | $125 | $174 | $166 | $206 |
| Liberty Mutual | $125 | $174 | $181 | $206 |
| Direct Auto | $126 | $161 | $174 | $208 |
| AssuranceAmerica | $128 | $166 | $172 | $211 |
| GAINSCO | $140 | $195 | $181 | $231 |
| National General | $146 | $188 | $199 | $241 |
| Nationwide | $150 | $194 | $205 | $247 |
| Infinity | $184 | $245 | $245 | $303 |
| The General | $190 | $247 | $261 | $313 |
| Bristol West | $211 | $271 | $283 | $348 |
| Foremost | $227 | $315 | $329 | $374 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $346 |
| 20s | $238 |
| 30s | $186 |
| 40s | $173 |
| 50s | $151 |
| 60s | $151 |
| 70s | $166 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $133 per month, and the average monthly rate for full-coverage insurance is $216. These rates are below the state average and comparable to national averages.
Which company has the cheapest car insurance in Albany?
Hugo offers the cheapest car insurance in Albany, starting at $51 per month for liability coverage. Auto-Owners and State Farm also offer low rates, at $58 and $62 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.
Related articles
More cities in Georgia
Sources
- U.S. Census Bureau. "QuickFacts Albany city, Georgia."
- AM Best. "AM Best Affirms Credit Ratings of Auto-Owners Insurance Company and Subsidiaries."
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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