Albany, GA Auto Insurance | Cheap Car Insurance in Albany, GA

Albany, GA auto insurance is $124 per month on average. Car insurance in Albany, GA, is determined by several factors such as age, driving record, credit score, and vehicle. Even your education level has a small effect on auto insurance in Albany, GA. There are a lot of top auto insurance companies in Albany, GA, and you can find the cheapest car insurance in Albany, GA, by comparing multiple companies and shopping around.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Sep 10, 2021

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Can't-Miss Facts

  • The average cost of Albany, GA auto insurance is $124 per month.
  • State Farm provides the cheapest auto insurance in Albany, GA.
  • The latest FBI statistics show that Albany had 278 auto thefts in 2018.
  • Education level could have a small effect on your Albany, GA auto insurance.
  • Buy Albany, GA auto insurance online to compare multiple companies at once

Some of the best Albany, GA auto insurance companies provide affordable rates. The companies that offer cheap auto insurance in Albany, GA are The Hartford, Nationwide, State Farm, Allied, and Allstate. State Farm provides car insurance in Albany, GA at $37 per month. But what about other companies? Continue reading to find out which companies have cheap car insurance in Albany, GA. 

Compare cheap auto insurance in Albany, GA, today. AutoInsuranceEZ.com can help you find what you need. Enter your ZIP code in the FREE online quote tool above to get affordable Albany, GA auto insurance quotes.

Average Albany, GA Auto Insurance Cost

Car insurance in Albany, GA varies by company, driving record, vehicle, age, credit score, and other factors. Let’s look at the average auto insurance in Albany, GA, and compare it to Georgia’s average and the national average.

Albany, GA Average Auto Insurance Rates vs. Georgia and National Average
LocationAverage Annual Auto Insurance RatesAverage Monthly Auto Insurance Rates
Albany, GA$1,487$124
Georgia$1,392$116
National Average$1,548$129
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Albany, GA auto insurance is three dollars cheaper than the national average, but the Georgia average is much less expensive.

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Cheap Albany, GA Auto Insurance

Companies that supply vehicle insurance plans evaluate several factors while figuring out Albany, GA auto insurance quotes, including gender, where you live, type of vehicle owned, education, and current insurance coverage and limits.

Average Monthly Auto Insurance Rates by Company Legend: Albany The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 $48 $48 $37 $42 $57

There are specific providers in Georgia (namely State Farm, Allied, and Nationwide) attempting to attract business by providing the cheapest car insurance in Albany,  Georgia. But don’t forget, reduced rates aren’t everything with regards to insurance. Customer support and claims are essential factors, too.

Also, bear in mind that affordable Albany, GA auto insurance differs from company to company. For example, Allstate Insurance Albany, GA, may not offer the same premium as State Farm Albany, GA, or Affordable [car] Insurance Albany, GA. To find out if you are still receiving cheap Albany, GA auto insurance rates, compare low Albany automobile insurance prices via the internet.

Major Factors in Cheap Auto Insurance in Albany, Georgia

When your motor vehicle insurance agency gets ready to write your plan, they take quite a few issues into mind. Your real age or your precise location isn’t something you change very quickly. Let’s continue reviewing the major factors in the sub-sections below.

Your ZIP Code

Automobile insurance providers must know where you live and the number of miles you plan to travel to calculate any accident probability. It all boils down to a straightforward notion: the greater the human population, the more vehicles you’ll encounter while driving, and also, the more chances you could have to hit or even be hit by an additional car or truck. The populace of Albany is 76,185, plus the average household income is $28,921.

Georgia's Average Monthly Auto Insurance Rates by City
Auto Insurance CompaniesAtlanta's Average Monthly Auto Insurance RatesAthens' Average Monthly Auto Insurance RatesSavannah's Average Monthly Auto Insurance RatesMacon's Average Monthly Auto Insurance RatesAlbany's Average Monthly Auto Insurance Rates
The Hartford$45$34$39$38$48
Nationwide$47$35$46$36$48
State Farm$48$36$37$43$37
Allied$48$33$39$37$42
Allstate$59$43$51$44$57
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Multiple companies have affordable Albany, GA auto insurance. Your rates could be more expensive, depending on other factors that affect car insurance.

Automotive Accidents

The number of serious accidents around Albany seems fairly low, but on a per capita basis, they still might be too high for most Albany, GA auto insurance companies. And when your insurance provider thinks that you live in a dangerous area, they are likely to raise rates on you (unless you qualify for any safe driver discounts, that is).

Albany, GA Fatal Accident Statistics Legend: Albany Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 8 12 1 8 14 4

 

Auto Thefts in Albany, GA

Anti-theft technology is a sensible way to guard yourself against auto thievery. They are fairly affordable, simple to have installed, and require little effort by you once outfitted. And best of all, most insurance agencies will provide you with a discount on your insurance simply for having one! According to FBI statistics, there were 278 auto thefts in 2018. Although thefts have been pleasantly declining in recent years, that’s no excuse to put yourself at financial risk by choosing not to carry Comprehensive coverage.

Albany, GA Average Monthly Auto Insurance Rates by Basic vs. Comprehensive Legend: Basic Coverage Comprehensive Coverage The Hartford Nationwide State Farm Allied Allstate 15 30 45 60 75 90 105 $48 $62 $48 $86 $37 $81 $42 $82 $57 $116

 

Your Credit Score

Typically, motorists who have a bad credit score have to pay about two times around someone by having an excellent credit rating. But why is that? According to the Federal Trade Commission, auto insurance companies view consumers with good credit as less likely to file a claim. Some information mill more forgiving than the others, however, and it will cost looking around if your credit is under perfect.

Albany, GA Average Monthly Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 70 80 $21 $81 $43 $62 $30 $55 $36 $55 $46 $85

 

Your Age

Older motorists are less inclined to enter into an accident because of their extensive driving experience and, therefore, billed lower rates. More youthful motorists, especially teenagers, really are a different story. You may be eligible for a great student or driving class discount. However, your rates will still be high.

Albany, GA Average Monthly Auto Insurance Rates by Age Legend: 34-Year-Old Driver 17-Year-Old Driver The Hartford Nationwide State Farm Allied Allstate 25 50 75 100 125 150 175 200 $48 $88 $48 $206 $37 $150 $42 $186 $57 $130

 

Your Driving Record

Getting a clear driving history, you can get some serious discount rates in your auto policy. Regrettably, for many motorists, staying away from the regular speeding ticket or minor accident is simpler stated than done. This is why competitive information mill offering Accident Forgiveness discount rates to draw in more business.

Albany, GA Average Monthly Auto Insurance Rates by Driving Record Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident The Hartford Nationwide State Farm Allied Allstate 15 30 45 60 75 90 $48 $33 $36 $40 $48 $56 $87 $54 $37 $41 $41 $38 $42 $51 $98 $66 $57 $57 $68 $94

 

Your Vehicle

The cost connected with insuring an extravagance vehicle has more related to the quantity of insurance you purchase. In the end, you are not likely to cover a Ferrari or perhaps a Porsche with condition minimum Liability. You are likely to buy a variety of coverage options, as well as insufficiently high comes down to cover the price of your automobile.

Albany, GA Average Monthly Auto Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder The Hartford Nationwide State Farm Allied Allstate 15 30 45 60 75 90 105 120 135 150 $48 $85 $48 $91 $37 $91 $42 $92 $57 $151

 

Minor Factors in Cheap Auto Insurance in Albany, Georgia

Don’t overlook other key elements, though. Here are a few minor factors that affect your auto insurance.

Your Marital Status

Married people have been in the very best position to benefit from the large bundling discount rates that insurance providers prefer. And bundling your auto guidelines is only the beginning. You may also bundle your renters or home insurance in case your provider offers such guidelines, too.

Your Gender

Generally, most insurance firms will not charge drastically different premiums according to gender alone. Some companies still do. However, the difference is nothing more than a couple of dollars monthly. And whether this penalizes man or woman motorists can change according to the organization providing you with the quote.

Your Driving Distance to Work

Like many larger cities, a little over 75 percent of the population relies upon their vehicle to commute from place to place; alternatively, around 17 percent carpool. Despite the lack of public transportation, commute times are still relatively short, with most trips lasting about 15 minutes on average.

Automobiles insured for business or professional reasons typically cost around 11 percent greater than the typical vehicle or truck in payments. Other similar factors, for example, yearly mileage or driving to operate, generally only lower or raise your car insurance rates per month with a couple of percentage points.

Your Coverage and Deductibles

Your deductible may be the fee you spend before insurance companies pay on Collision or Comprehensive claims. However, you can lift your deductible, be responsible for lower monthly repayments.

Education in Albany, GA

It’s common for automobile insurance agencies to base premium costs on your education level. To put it simply, the more education you have, the less costly your insurance will be.

In Albany, around 28 percent of the population has not yet completed their secondary level of education. An additional 27 percent of residents have gone on to earn a high school diploma successfully.

For those looking to improve upon their education, Albany has some local institutions that are worth visiting. Albany State University is part of the public state university system and has a historically diverse student body.

Darton College, typically a two-year institution, has recently been instituting four-year degree programs. And for vocational training, look no further than the Albany Technical College.

It would help if you didn’t allow an undesirable Albany, Georgia car insurance company to persuade you into purchasing a motor vehicle insurance policy that isn’t ideal for you.

Sure, the volume of data needed to assess your risk profile could be overpowering, however comparison sites such as this may also help make your search less complicated. Just provide just a few specifics below, and then we’ll take it from there.

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Albany, GA Auto Insurance Coverage Requirements

In comparison with other states, the minimum requirement of legal driving status in Georgia is relatively small. However, buying minimum coverage only safeguards you in a few instances, and you might be held financially responsible for what your provider will not shell out.

Watch this video for a quick visual of Georgia’s auto insurance requirements.

Here are the minimum requirements for Albany, GA car insurance.

Georgia's Minimum Auto Insurance Requirements
CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability25,00050,000
Uninsured Motorist Bodily InjuryNot required25,000/50,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible
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Astoundingly, average payments in Georgia can run up to $183 for many motorists. But residing in Albany includes certain advantages. One of the benefits is that motorists in your town could lower their payments lower to $37 per month or fewer!

Albany, GA Auto Insurance Agents

If you think you need help finding the right Albany, GA auto insurance company, contact an agent. Here are four of the best auto insurance agents in Albany.

Albany, GA Top 4 Auto Insurance Agents
Agent NameAgent AddressAgent Website
Fleming & Riles Insurance1115 W. 3rd Ave
Albany, GA 31707
https://flemingins.com/
Steve Perrine - State Farm Insurance537 N Westover Blvd
Albany, GA 31707
http://www.steveperrine.com/
Marvin Gibson1509a Dawson Rd
Albany, GA 31707
http://www.allstateagencies.com/MarvinGibson/Welcome
Huiras Insurance Agency2401 B-1 Dawson Road
Albany, GA 31707
http://www.cottonstatesins.com/huiras/
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You don’t have to go with these agents. It’s faster and more convenient to enter your ZIP code in our FREE comparison tool and compare online.

How We Conducted Our Car Insurance Analysis

We calculated our average auto insurance rates based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Start comparing Albany, GA auto insurance by entering your ZIP code in the FREE comparison tool below.

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