Buy Cheap Albany, NY Auto Insurance (2021)

Albany, NY auto insurance rates average $276 a month. Minimum auto insurance requirements in Albany, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Albany, NY, compare Albany auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Albany after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Albany is Liberty Mutual
  • Average auto insurance rates in Albany, NY for teens drivers are $5,839/year

Finding affordable Albany, New York auto insurance can be challenging, but everything you need to know to buy cheap Albany, NY auto insurance with confidence is right here. Auto insurance rates in Albany are affected by local factors as well as personal ones like your driving record.

See how Albany, NY car insurance rates compare to Rochester auto insurance rates, Albany auto insurance rates, and Yonkers auto insurance rates before you read more about the cost of auto insurance in Albany.

Don’t buy Albany, NY auto insurance until you’ve compared rates. Get free Albany, New York auto insurance quotes when you enter your ZIP code above.

Albany, NY Minimum Auto Insurance Requirements

The required auto insurance in Albany, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Albany, New York is outlined here.

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

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Find Cheap Albany, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Albany, NY. Take a look at Albany, New York auto insurance rates by credit history.

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

Buy Cheap Albany, NY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Albany, New York auto insurance rates? Find out how car insurance rates in Albany, NY are impacted by demographics.

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

Buy Cheap Albany, NY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Albany can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Albany, NY are listed here.

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

Buy Cheap Albany, NY Auto Insurance for Seniors

You can save on senior auto insurance rates in Albany, New York by comparing Albany senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Albany, NY here.

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

Find Cheap Auto Insurance Rates in Albany, NY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Albany, New York auto insurance. Compare Albany, NY 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

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Find Cheap Albany, NY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Albany. Compare auto insurance rates in Albany, NY by commute length to see how your daily commute impacts your rates.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Albany, NY Auto Insurance Rates by ZIP Code

Auto insurance rates in Albany, New York can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Albany, NY to see how much where you live in Albany affects the cost of car insurance.

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

Find Cheap Albany, NY Auto Insurance Rates by Driving Record

Auto insurance rates in Albany, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Albany, NY, take a look at the average cost for various violations versus rates for a clean driving record in Albany.

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

Find Cheap Albany, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Albany, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in Albany for less when you shop around and compare rates from multiple Albany, NY auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Albany, NY

Compare rates from the cheapest auto insurance companies in Albany, NY for your needs. Take a look at how Albany, New York auto insurance companies stack up for each category.

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

Find Cheap Albany, New York Auto Insurance Companies

If you’re looking for the cheapest Albany, NY auto insurance companies overall, you can compare them here. Find the best price for Albany, New York car insurance by company.

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 Albany, New York auto insurance rates?

Local factors affect auto insurance rates in Albany, NY, including traffic, theft statistics, and commute length. Take a look at the things that impact Albany auto insurance rates.

Commute Times in Albany

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Albany, NY is 19.0 minutes according to City-Data.

Traffic in Albany

How is traffic in Albany, New York? Inrix data shows that Albany, NY traffic makes it the 863rd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Albany, NY

You can buy cheap Albany, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Albany, New York auto insurance quotes from top companies.

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