Cheapest Car Insurance In Albany, GA 2026
With an average monthly price of $54, Auto-Owners is the least expensive provider of minimum coverage car insurance in Albany.
We’ve saved shoppers an average of $600 per year on their car insurance.
Drivers in Albany, Georgia, can currently find the cheapest minimum liability car insurance for approximately $58 per month, though full coverage averages around $96.
Meeting Georgia’s 25/50/25 liability mandate is mandatory, but avoiding overpayment depends on leveraging discounts for clean driving records and bundling. Costs vary significantly by zip code, so reviewing updated policy offers is essential for maximizing savings.
Cheapest Car Insurance Companies In Albany, GA
Cheapest Liability-only Car Insurance In Albany: Auto-Owners
At just $54 per month on average, Auto-Owners offers the least expensive minimum coverage car insurance in Albany.
Compare insurance rates from multiple providers using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $54 | $648 |
| Allstate | $62 | $744 |
| State Farm | $58 | $696 |
| USAA | $69 | $828 |
| Progressive | $86 | $1,032 |
Cheapest Full Coverage Insurance Rates In Albany: State Farm
The lowest-priced full coverage car insurance in Albany comes from State Farm, costing around $93 per month.
This table outlines average car insurance quotes from the most affordable companies in Albany.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $93 | $1,116 |
| Country Financial | $100 | $1,200 |
| Progressive | $157 | $1,884 |
| USAA | $116 | $1,392 |
| GEICO | $159 | $1,908 |
Cheapest Auto Insurance For Young Adults in Albany: Victoria
For young adults in Albany, Victoria has the most budget-friendly insurance rates, averaging $126 per month.
Below is a table that highlights the cheapest auto insurance rates available for young adults in Albany.
| Provider | Average Monthly Cost | Average Annual Cost |
| Victoria | $126 | $1,512 |
| USAA | $147 | $1,764 |
| Clearcover | $144 | $1,728 |
| Georgia Farm Bureau | $164 | $1,968 |
| Auto-Owners | $161 | $1,932 |
Cheapest Car Insurance Rates For Seniors: Mercury
In Albany, Mercury offers the cheapest car insurance for seniors, with an average cost of $67 per month.
This table outlines average car insurance quotes from the lowest-cost providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $67 | $804 |
| USAA | $98 | $1,176 |
| Georgia Farm Bureau | $90 | $1,080 |
| Auto-Owners | $101 | $1,212 |
| Clearcover | $99 | $1,188 |
Cheapest Rates In Albany For Teenagers: USAA
Albany teenage drivers can secure the most affordable insurance through USAA, with an average monthly rate of $228.
This table outlines the most budget-friendly auto insurance options available for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $228 | $2,736 |
| Auto-Owners | $319 | $3,828 |
| Country Financial | $252 | $3,024 |
| Allstate | $395 | $4,740 |
| Central Mutual | $303 | $3,636 |
Cheapest Car Insurance In Albany For Good Drivers: Auto-Owners
Auto-Owners stands out as the most budget-friendly choice for good drivers in Albany, offering rates around $58 per month.
Good drivers can check the table below to see which insurance companies offer the lowest rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $58 | $696 |
| Allstate | $66 | $792 |
| State Farm | $62 | $744 |
| USAA | $74 | $888 |
| Progressive | $91 | $1,092 |
Find affordable Albany rates
Cheapest Rates In Albany For Drivers After A DUI: Auto-Owners
Albany drivers with a DUI can get the lowest insurance rates from Auto-Owners, with premiums averaging $93 per month.
Use the table below to find and compare the most affordable insurance rates for Albany drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $93 | $1,116 |
| Allstate | $108 | $1,296 |
| State Farm | $100 | $1,200 |
| Country Financial | $102 | $1,224 |
| GEICO | $160 | $1,920 |
Cheapest Car Insurance In Albany After A Speeding Ticket: Auto-Owners
If you have a speeding ticket on your record, Auto-Owners offers some of the lowest rates in Albany, averaging $75 per month.
The table below highlights the typical insurance costs for drivers with a speeding offense.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $75 | $900 |
| Allstate | $85 | $1,020 |
| State Farm | $78 | $936 |
| Progressive | $114 | $1,368 |
| USAA | $92 | $1,104 |
Free Policy Review: Spot Gaps. Cut Costs.
Cheapest For Drivers With an At-Fault Accident: Auto-Owners
Auto-Owners offers the best-priced car insurance for drivers responsible for an accident, with an average monthly premium of $79.
Here are the insurance providers with the best rates for drivers who have been responsible for an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $79 | $948 |
| Allstate | $90 | $1,080 |
| State Farm | $82 | $984 |
| Country Financial | $87 | $1,044 |
| USAA | $97 | $1,164 |
Best Car Insurance Companies In Albany
Auto-Owners provides the cheapest insurance for Albany drivers at $58 monthly, but you may also find good deals with State Farm for $62 or Country Financial for $64
This chart ranks the top 10 car insurance companies in Albany, GA, according to their average monthly rates.
| Company | Monthly Premium |
| Auto-Owners | $58 |
| Allstate | $66 |
| State Farm | $62 |
| USAA | $74 |
| Progressive | $91 |
| Country Financial | $64 |
| Mile Auto | $76 |
| Mercury | $111 |
| Nationwide | $146 |
| Direct Auto | $148 |
Average Rates In Albany – By Vehicle
The vehicle you own influences your insurance premium. Insurers factor in its age, brand, and body style, and luxury cars with costly technology often have the highest rates.
You can refer to the table below for average car insurance premiums in Albany by vehicle type.
| Vehicle | Average Monthly Rate |
| Nissan Altima | $217 |
| Chevrolet Hhr | $160 |
| Dodge Dakota | $161 |
| Lexus RX | $142 |
| Toyota Rav4 | $381 |
Average Auto Insurance Rates In Albany – By Age
Age significantly impacts car insurance prices. Due to their inexperience and higher accident risk, younger drivers pay more, with teens facing an average annual premium of $7,243.
By the time a driver turns 25, they can expect lower insurance rates, as long as they have a clean record.
Car insurance tends to be cheapest for drivers in their 50s and early 60s since providers use age to evaluate risk and driving history.
| Age | Average Yearly Rate |
| Teenagers | $7,243 |
| 20s | $2,538 |
| 30s | $1,619 |
| 40s | $1,554 |
| 50s | $1,667 |
| 60s | $1,381 |
| 70s | $1,667 |
How Much Is Car Insurance For Other Cities In Georgia?
Your insurance rates are influenced by your location. Since cities tend to have more accidents, theft, and vandalism, drivers there often face higher premiums.
The average monthly car insurance rate in Decatur is $263, whereas in Valdosta, it’s about $141.
| City | Average Monthly Rate |
| Norcross | $220 |
| Macon | $187 |
| Lawrenceville | $210 |
| Augusta | $168 |
| Columbus | $166 |
| Athens | $164 |
| Atlanta | $240 |
| Savannah | $188 |
| Valdosta | $141 |
| Decatur | $263 |
Average Cost Of Auto Insurance In Albany – By Zip Code
Insurance companies determine rates based on zip codes, as crime levels vary between areas.
You can refer to the table below for the average car insurance premiums in different Albany zip codes.
| City | Average Monthly Rate |
| 31701 | $134 |
| 31705 | $165 |
| 31763 | $185 |
| 31707 | $158 |
| 31702 | $270 |
Find affordable Albany rates
Our Methodology
By evaluating multiple factors such as customer service, pricing, policy offerings, and online reviews, I’ve compiled a detailed overview of Albany, GA car insurance landscape.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
FAQs
Who has the lowest car insurance rates in Albany?
Auto-Owners offers the lowest rates in Albany for basic coverage, while State Farm provides the best-priced full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Albany?
The monthly cost of car insurance in Albany averages $160, but actual rates vary based on factors like your zip code, car make and model, and driving history.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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