Best Cheap Auto Insurance in Albany, OH (2021)

The average Albany, OH auto insurance rates are $243 per month. The minimum auto insurance in Albany is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Albany, Ohio, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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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.

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Things to Remember

  • The cheapest auto insurance company in Albany is USAA
  • The most expensive auto insurance company in Albany for teen drivers is Liberty Mutual
  • Average auto insurance rates in Albany, OH for senior drivers are $1,531 per year

Albany, Ohio auto insurance requirements are 25/50/25 according to Ohio 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, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Albany to other Ohio cities, including Columbus auto insurance rates, Youngs auto insurance rates, and Akron auto insurance rates to see how Albany, Ohio auto insurance rates stack up.

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

Minimum Auto Insurance in Albany, Ohio

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

Minimum Required Auto Insurance Coverage in Albany, Ohio

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

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Cheap Albany, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Albany, Ohio 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, Ohio

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 $2,356 $2,361 $2,104 $2,255 $6,342 $7,251 $2,506 $2,698
American Family $962 $1,003 $866 $873 $2,764 $3,019 $1,183 $1,250
Farmers $1,780 $1,776 $1,572 $1,650 $7,389 $7,651 $1,995 $2,103
GEICO $1,414 $1,364 $1,300 $1,293 $3,709 $3,457 $1,577 $1,350
Liberty Mutual $2,491 $2,728 $1,919 $2,335 $12,332 $13,953 $2,683 $2,945
Nationwide $2,235 $2,254 $2,008 $2,033 $5,497 $7,148 $2,405 $2,818
Progressive $1,866 $1,776 $1,551 $1,598 $7,940 $8,957 $2,244 $2,313
State Farm $1,481 $1,481 $1,309 $1,309 $4,373 $5,505 $1,714 $1,962
Travelers $1,500 $1,525 $1,482 $1,476 $6,362 $10,023 $1,561 $1,798
USAA $888 $896 $841 $843 $2,712 $3,025 $1,188 $1,288

Cheap Albany, Ohio Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Albany, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,342 $7,251
American Family $2,764 $3,019
Farmers $7,389 $7,651
GEICO $3,709 $3,457
Liberty Mutual $12,332 $13,953
Nationwide $5,497 $7,148
Progressive $7,940 $8,957
State Farm $4,373 $5,505
Travelers $6,362 $10,023
USAA $2,712 $3,025

Cheap Albany, Ohio Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Albany, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,104 $2,255
American Family $866 $873
Farmers $1,572 $1,650
GEICO $1,300 $1,293
Liberty Mutual $1,919 $2,335
Nationwide $2,008 $2,033
Progressive $1,551 $1,598
State Farm $1,309 $1,309
Travelers $1,482 $1,476
USAA $841 $843

Cheap Albany, Ohio 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, Ohio compared to the annual auto insurance rates with a clean record in Albany, Ohio.

Annual Albany, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,950 $3,548 $4,121 $3,317
American Family $1,428 $1,511 $1,511 $1,511
Farmers $2,675 $3,431 $3,346 $3,505
GEICO $1,328 $1,894 $2,692 $1,819
Liberty Mutual $4,361 $5,555 $5,708 $5,068
Nationwide $2,629 $3,365 $4,290 $2,915
Progressive $3,050 $4,119 $3,244 $3,709
State Farm $2,194 $2,590 $2,392 $2,392
Travelers $2,373 $3,086 $4,649 $2,756
USAA $1,125 $1,504 $1,966 $1,246

Cheap Albany, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Albany, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,121
American Family $1,511
Farmers $3,346
GEICO $2,692
Liberty Mutual $5,708
Nationwide $4,290
Progressive $3,244
State Farm $2,392
Travelers $4,649
USAA $1,966

Cheap Albany, Ohio Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Albany, Ohio

Insurance Company Poor Fair Good
Allstate $4,496 $3,244 $2,712
American Family $1,974 $1,351 $1,145
Farmers $3,689 $3,088 $2,942
GEICO $2,319 $1,933 $1,547
Liberty Mutual $7,449 $4,523 $3,548
Nationwide $3,983 $3,208 $2,708
Progressive $3,987 $3,419 $3,185
State Farm $3,408 $2,106 $1,660
Travelers $3,600 $3,129 $2,920
USAA $1,900 $1,340 $1,140

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Cheap Albany, Ohio Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Albany, Ohio

ZIP Code Average Annual Rates
45710 $2,777

Cheap Albany, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Albany, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,484 $3,484
American Family $1,472 $1,508
Farmers $3,240 $3,240
GEICO $1,897 $1,970
Liberty Mutual $5,173 $5,173
Nationwide $3,300 $3,300
Progressive $3,531 $3,531
State Farm $2,334 $2,449
Travelers $3,216 $3,216
USAA $1,405 $1,516

Cheap Albany, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Albany, Ohio

Insurance Company Low Medium High
Allstate $3,377 $3,477 $3,598
American Family $1,472 $1,501 $1,496
Farmers $3,101 $3,197 $3,420
GEICO $1,882 $1,926 $1,991
Liberty Mutual $5,008 $5,195 $5,316
Nationwide $3,656 $3,198 $3,045
Progressive $3,415 $3,505 $3,672
State Farm $2,297 $2,397 $2,481
Travelers $3,140 $3,257 $3,251
USAA $1,404 $1,459 $1,518

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Best By Category: Cheapest Auto Insurance in Albany, Ohio

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

Best Annual Auto Insurance Rates by Company in Albany, Ohio

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

The Cheapest Albany, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Albany, Ohio

Insurance Company Average Annual Rates
Allstate $3,484
American Family $1,490
Farmers $3,240
GEICO $1,933
Liberty Mutual $5,173
Nationwide $3,300
Progressive $3,531
State Farm $2,392
Travelers $3,216
USAA $1,460

What affects auto insurance rates in Albany, Ohio?

There are a lot of reasons why auto insurance rates in Albany, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Albany, Ohio. 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, Ohio commute length is 24.3 minutes according to City-Data.

Albany Traffic

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

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Compare Albany, Ohio Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

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