Best Cheap Auto Insurance in Albany, TX (2021)

The average Albany, TX auto insurance rates are $309 per month. The minimum auto insurance in Albany is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Albany, Texas, 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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Things to Remember

  • The average commute length in Albany is 19.6 minutes
  • The minimum auto insurance required in Albany, Texas is 30/60/25
  • Average auto insurance rates in Albany, TX for senior drivers are $2,242 per year

Albany, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Albany to other Texas cities, including El Paso auto insurance rates, Plano auto insurance rates, and Laredo auto insurance rates to see how Albany, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Albany, Texas

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

Minimum Required Auto Insurance Coverage in Albany, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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

Auto insurance rates in Albany, Texas 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, Texas

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 $3,395 $3,443 $3,353 $3,353 $8,801 $10,692 $4,224 $4,436
American Family $2,839 $3,113 $2,505 $2,829 $6,526 $8,666 $3,888 $4,432
GEICO $1,935 $2,066 $1,832 $2,041 $4,107 $4,278 $2,092 $2,106
Nationwide $2,412 $2,460 $2,126 $2,260 $6,729 $8,684 $2,821 $3,061
Progressive $2,858 $2,668 $2,526 $2,590 $11,752 $12,993 $3,326 $3,305
State Farm $1,813 $1,813 $1,604 $1,604 $4,190 $5,313 $1,960 $2,024
USAA $1,454 $1,480 $1,376 $1,388 $3,876 $4,276 $1,946 $2,126

Cheap Albany, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Albany, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,801 $10,692
American Family $6,526 $8,666
GEICO $4,107 $4,278
Nationwide $6,729 $8,684
Progressive $11,752 $12,993
State Farm $4,190 $5,313
USAA $3,876 $4,276

Cheap Albany, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Albany, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,353 $3,353
American Family $2,505 $2,829
GEICO $1,832 $2,041
Nationwide $2,126 $2,260
Progressive $2,526 $2,590
State Farm $1,604 $1,604
USAA $1,376 $1,388

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

Annual Albany, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,104 $6,185 $6,455 $4,104
American Family $3,988 $5,016 $4,407 $3,988
GEICO $2,177 $2,837 $2,417 $2,798
Nationwide $3,304 $3,304 $4,927 $3,741
Progressive $4,575 $5,926 $5,354 $5,154
State Farm $2,273 $2,586 $3,028 $2,273
USAA $1,686 $2,452 $2,888 $1,934

Cheap Albany, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Albany, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,455
American Family $4,407
GEICO $2,417
Nationwide $4,927
Progressive $5,354
State Farm $3,028
USAA $2,888

Cheap Albany, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Albany, Texas

Insurance Company Poor Fair Good
Allstate $6,625 $4,858 $4,153
American Family $6,141 $3,690 $3,218
GEICO $3,920 $2,240 $1,510
Nationwide $4,591 $3,672 $3,194
Progressive $5,933 $5,104 $4,720
State Farm $3,599 $2,238 $1,783
USAA $3,323 $1,888 $1,510

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Cheap Albany, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Albany, Texas

ZIP Code Average Annual Rates
76430 $5,555

Cheap Albany, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Albany, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,094 $5,330
American Family $4,350 $4,350
GEICO $2,508 $2,606
Nationwide $3,819 $3,819
Progressive $5,252 $5,252
State Farm $2,540 $2,540
USAA $2,212 $2,269

Cheap Albany, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Albany, Texas

Insurance Company Low Medium High
Allstate $5,128 $5,181 $5,327
American Family $4,147 $4,247 $4,655
GEICO $2,446 $2,533 $2,692
Nationwide $4,134 $3,653 $3,670
Progressive $4,910 $5,210 $5,637
State Farm $2,419 $2,533 $2,669
USAA $2,181 $2,233 $2,307

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Best By Category: Cheapest Auto Insurance in Albany, Texas

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

Best Annual Auto Insurance Rates by Company in Albany, Texas

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

The Cheapest Albany, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Albany, Texas

Insurance Company Average Annual Rates
Allstate $5,212
American Family $4,350
GEICO $2,557
Nationwide $3,819
Progressive $5,252
State Farm $2,540
USAA $2,240

What affects auto insurance rates in Albany, Texas?

There are a lot of reasons why auto insurance rates in Albany, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Albany, Texas. 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, Texas commute length is 19.6 minutes according to City-Data.

Albany Traffic

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

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Compare Albany, Texas Auto Insurance Quotes

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

Free Auto Insurance Comparison

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