Best Cheap Auto Insurance in Albany, NY (2021)

The average Albany, NY auto insurance rates are $276 per month. The minimum auto insurance in Albany is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Albany, New York, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in Albany is GEICO
  • The minimum auto insurance required in Albany, New York is 25/50/10
  • The average commute length in Albany is 19.0 minutes

Albany, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Albany can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Albany, New York, including driving record, credit, commute time, and more.

Compare auto insurance in Albany to other New York cities, including Utica auto insurance rates, Schenectady auto insurance rates, and Albany auto insurance rates to see how Albany, New York auto insurance rates stack up.

Before you buy Albany, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Albany, New York auto insurance quotes.

Minimum Auto Insurance in Albany, New York

Albany, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Albany, New York.

Minimum Required Auto Insurance Coverage in Albany, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Albany, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Albany, New York are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Albany, New York

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 $2,685 $2,528 $2,534 $2,582 $8,144 $8,806 $2,634 $2,652
GEICO $1,446 $1,395 $1,411 $1,390 $3,117 $4,626 $1,300 $1,343
Liberty Mutual $3,353 $3,353 $3,125 $3,125 $6,539 $10,591 $3,353 $3,555
Nationwide $2,041 $2,041 $1,929 $1,929 $3,658 $5,430 $2,041 $2,598
Progressive $1,773 $1,644 $1,411 $1,435 $6,329 $7,053 $2,312 $2,253
State Farm $1,972 $1,972 $1,726 $1,726 $5,969 $7,697 $2,176 $2,314
Travelers $2,799 $2,793 $2,576 $2,741 $6,706 $7,979 $2,969 $3,072
USAA $1,532 $1,502 $1,397 $1,391 $6,246 $7,415 $1,952 $2,149

Cheap Albany, New York Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Albany, New York is a challenge. Take a look at the annual teen auto insurance rates in Albany, New York.

Annual Auto Insurance Rates for Teen Drivers in Albany, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,144 $8,806
GEICO $3,117 $4,626
Liberty Mutual $6,539 $10,591
Nationwide $3,658 $5,430
Progressive $6,329 $7,053
State Farm $5,969 $7,697
Travelers $6,706 $7,979
USAA $6,246 $7,415

Cheap Albany, New York Auto Insurance for Seniors

What are senior auto insurance rates in Albany, New York? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Albany, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,534 $2,582
GEICO $1,411 $1,390
Liberty Mutual $3,125 $3,125
Nationwide $1,929 $1,929
Progressive $1,411 $1,435
State Farm $1,726 $1,726
Travelers $2,576 $2,741
USAA $1,397 $1,391

Cheap Albany, New York Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Albany, New York compared to the annual auto insurance rates with a clean record in Albany, New York.

Annual Albany, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,424 $3,424 $5,074 $4,360
GEICO $1,555 $1,696 $3,209 $1,555
Liberty Mutual $3,689 $3,689 $7,431 $3,689
Nationwide $2,080 $2,080 $4,546 $2,127
Progressive $2,941 $2,941 $3,264 $2,959
State Farm $3,038 $3,038 $3,351 $3,351
Travelers $3,349 $4,236 $4,298 $3,934
USAA $2,609 $2,652 $3,879 $2,652

Cheap Albany, New York Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Albany, New York is not easy. Compare the annual rates for DUI auto insurance in Albany, New York to find the best deal.

Annual Auto Insurance Rates After a DUI in Albany, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,074
GEICO $3,209
Liberty Mutual $7,431
Nationwide $4,546
Progressive $3,264
State Farm $3,351
Travelers $4,298
USAA $3,879

Cheap Albany, New York Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Albany, New York annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Albany, New York

Insurance Company Poor Fair Good
Allstate $5,840 $3,422 $2,950
GEICO $2,511 $1,844 $1,656
Liberty Mutual $6,458 $4,235 $3,180
Nationwide $2,708 $2,708 $2,708
Progressive $4,764 $2,485 $1,829
State Farm $4,509 $2,828 $2,245
Travelers $5,442 $3,437 $2,984
USAA $4,508 $2,300 $2,036

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Albany, New York Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Albany, New York can vary. Compare the annual cost of auto insurance by ZIP code in Albany, New York to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Albany, New York

ZIP Code Average Annual Rates
12202 $3,434
12203 $3,336
12204 $3,399
12205 $3,343
12206 $3,445
12207 $3,438
12208 $3,329
12209 $3,332
12210 $3,445
12211 $3,345
12222 $3,333
12223 $3,386
12226 $3,386
12260 $3,432

Cheap Albany, New York Auto Insurance Rates By Commute

Commute length and annual mileage affect Albany, New York auto insurance. Find the cheapest annual Albany, New York auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Albany, New York

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,015 $4,126
GEICO $1,944 $2,063
Liberty Mutual $4,496 $4,753
Nationwide $2,708 $2,708
Progressive $3,026 $3,026
State Farm $3,084 $3,304
Travelers $3,954 $3,954
USAA $2,919 $2,977

Cheap Albany, New York Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Albany, New York? Check out the comparison of annual Albany, New York auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Albany, New York

Insurance Company Low Medium High
Allstate $3,825 $4,056 $4,331
GEICO $1,899 $2,003 $2,110
Liberty Mutual $4,407 $4,607 $4,859
Nationwide $2,546 $2,689 $2,890
Progressive $2,876 $3,014 $3,189
State Farm $3,009 $3,215 $3,358
Travelers $3,766 $3,923 $4,174
USAA $2,855 $2,933 $3,055

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Albany, New York

Compare the cheapest auto insurance companies in Albany, New York in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Albany, New York

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

The Cheapest Albany, New York Auto Insurance Companies

What auto insurance companies in Albany, New York are the cheapest? Compare the top Albany, New York auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Albany, New York

Insurance Company Average Annual Rates
Allstate $4,071
GEICO $2,004
Liberty Mutual $4,624
Nationwide $2,708
Progressive $3,026
State Farm $3,194
Travelers $3,954
USAA $2,948

What affects auto insurance rates in Albany, New York?

There are a lot of reasons why auto insurance rates in Albany, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Albany, New York. Many local factors may affect your Albany auto insurance rates.

Albany Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Albany, New York commute length is 19.0 minutes according to City-Data.

Albany Traffic

How does Albany, New York rank for traffic? According to Inrix Albany, New York is the 863rd most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Albany, New York Auto Insurance Quotes

Before you buy Albany, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Albany, New York auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption