How to find the cheapest car insurance quotes in Albany

On average, auto insurance in Albany costs about $105 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Albany drivers pay 4% less than the New York average.

Every month, thousands of wise car insurance shoppers in Albany come to Jerry to compare and buy car insurance most efficiently. Below are some of the cheapest car insurance quotes Jerry found for our Albany customers.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Progressive	$218	46	12202	Chevrolet Spark Ls	State Minimum	Yes
Progressive	$224	24	12206	Nissan Sentra Sv	State Minimum	No
Progressive	$401	27	12209	Honda Accord Lx	50/100	Yes
Progressive	$378	51	12206	Gmc Acadia Slt-2	State Minimum	Yes
Progressive	$188	40	12205	Honda Odyssey Ex	State Minimum	No

Last Updated Dec 17, 2024

Best car insurance companies in Albany

There isn’t a specific provider that serves the best car insurance to everyone in Albany.

To give drivers a clearer look into how the most affordable car insurance companies compare, Jerry conducted the largest insurance survey in the nation. The results: the cheapest insurer varies from person to person.

Since car insurance quotes are based on individual factors like your age and driving record, along with each insurer’s individual calculation formula, this is only to be expected.

Price isn’t everything either: claim handling and customer service are also important qualities to review when choosing an insurer.

State Farm, GEICO, Progressive, Allstate, USAA, and Liberty Mutual tend to be popular insurers among Albany policyholders. But let’s take a look at how different Albany customers reviewed them on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
Progressive	4.4	3.7	4.3	4.2
State Farm	4.1	3.7	4.4	4.1
Geico	3.8	3.4	3.9	3.9
Farmers	3.5	2	N/A	2
Liberty Mutual	3.3	N/A	N/A	3.3

Best cheap car insurance quotes in Albany

Drivers in Albany are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.

Cheap minimum liability insurance quotes in Albany

As per New York car insurance laws, Albany drivers must carry the state’s minimum coverage limits to legally drive on NY roads.

The state’s minimum car insurance coverage includes:

• $10,000 per accident of property damage liability coverage
• $25,000 per person / $50,000 per accident of bodily injury liability coverage
• $25,000 per person / $50,000 per accident of bodily injury uninsured motorist coverage
• $50,000 of personal injury protection

Do you need more than minimum coverage in Albany?

New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for Albany drivers.

Additional protection like collision coverage could save you from costs associated with unexpected damages to your car. Increasing liability limits can also help prevent you from paying out of pocket—especially if you’re ever at fault in an accident resulting in a totaled vehicle (or more than one).

The risk of winter storms, heavy rain, and high winds in Albany causing non-collision damage to your car may also make a strong case for adding comprehensive coverage. This type of protection can also keep you financially secure against vandalism and vehicle theft.

The bottom line: For better financial protection in Albany, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.

Cheap full coverage car insurance quotes in Albany

New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.

Full coverage includes comprehensive and collision coverage:

• Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
• Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages

Typically, leased or financed vehicles require collision and comprehensive coverage.

Browse the table below to see how Jerry’s agents recently helped Albany customers obtain affordable full coverage policies.

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
State Minimum	Yes	Progressive	$218	46	12202	Chevrolet Spark Ls
State Minimum	No	Progressive	$224	24	12206	Nissan Sentra Sv
50/100	Yes	Progressive	$401	27	12209	Honda Accord Lx
State Minimum	Yes	Progressive	$378	51	12206	Gmc Acadia Slt-2
State Minimum	No	Progressive	$188	40	12205	Honda Odyssey Ex

Last Updated Dec 17, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Albany

After analyzing scores of insurance providers in Albany, we have discovered that the average price for minimum liability coverage amounts to be $105 per month or $1,259 per year. Additionally, residents of Albany can expect to pay an average of $150 per month or $1,800 per year for full coverage insurance.

While it’s useful to understand average insurance rates to estimate your personal insurance costs, it’s important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Albany by zip code

The cost of car insurance in Albany can greatly differ depending on your specific zip code. Each individual zip code within Albany has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.

In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
12047	$27	$105
12202	$122	$147
12203	$118	$165
12205	$86	$146
12207	$71	$178
12208	$126	$173
12209	$137	$299
12210	$100	$234

Car insurance quotes in Albany by rating factors

Insurance companies in Albany use many rating factors when deciding your auto insurance premium:

• Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
• Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
• Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
• Your mileage: High annual mileage can result in higher insurance costs.
• The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
• Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

Cheap car insurance quotes in Albany after driving violations

Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include:

• Speeding
• DUIs
• At fault accidents
• Reckless driving

Cheapest car insurance in Albany after speeding ticket

Speeding comes in different sizes. In Albany, repercussions are different for speeding 1–5 MPH, 6–10 MPH, 11–15 MPH, 16–20 MPH, and 21+ MPH over the speed limit.

Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a speeding ticket will typically increase your car insurance premiums. Despite this, many drivers with varying speeding tickets have used Jerry to save on car insurance.

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Speeding Violation-Minor	Progressive	$210	24	12206	Lincoln Zephyr	State Minimum	No
Speeding Violation-Minor	Progressive	$107	32	12204	Toyota Camry Hybrid	State Minimum	No
Speeding Violation-Minor	Progressive	$720	27	12203	Honda Accord Lx	State Minimum	No
Speeding 11-15	Bristol West	$405	28	12204	Honda Accord Crosstour Exl	State Minimum	Yes
Speeding 11-15	Bristol West	$383	57	12207	Nissan Sentra S	State Minimum	No

Last Updated Dec 17, 2024

Cheapest car insurance in Albany after DUI

A DUI violation will certainly skyrocket your car insurance rate in Albany. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums.

While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.

Cheapest car insurance in Albany after an at-fault accident

Car accidents on your claim history can significantly impact your car insurance rates in Albany. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder.

Even though New York is a no-fault state, Albany drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. Having an at-fault accident on your record can lead to as much as 15% higher rates.

Fortunately, Jerry has helped many Albany drivers find affordable rates even with at-fault accidents in the recent past.

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
At Fault With No Injury	Progressive	$218	46	12202	Chevrolet Spark Ls	State Minimum	Yes
Not At Fault	Progressive	$401	27	12209	Honda Accord Lx	50/100	Yes
At Fault With No Injury	Progressive	$378	51	12206	Gmc Acadia Slt-2	State Minimum	Yes
At Fault With No Injury	Progressive	$188	40	12205	Honda Odyssey Ex	State Minimum	No
Not At Fault	Progressive	$299	30	12202	Nissan Altima 2.5	State Minimum	No

Last Updated Dec 17, 2024

Cheapest car insurance in Albany after other driving violations

Speeding tickets, DUIs, careless driving, and suspended licenses on your driving record can all lead to rate hikes from any car insurance provider in Albany.

Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Careless Driving	Progressive	$272	26	12209	Honda Accord Exl	State Minimum	Yes
Driving on Sus. License	Progressive	$168	26	12210	Chevrolet Impala Lt	State Minimum	Yes
DUI	Aspire Advantage	$103	39	12208	Hyundai Elantra Gls	15/30	No
Failure to Obey Signal	Bristol West	$118	30	12208	Mitsubishi Outlander Se	State Minimum	No
Driving on Sus. License	Bristol West	$238	41	12206	Mercedes-Benz E 500 4Matic	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Albany by age

Young people and seniors generally face the highest insurance rates.

Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.

Cheapest car insurance in Albany for young drivers

Car insurance can be high for everyone in Albany, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.

The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those teen car insurance rates lower, too.

Cheapest car insurance in Albany for senior drivers

Drivers can expect higher premiums once they reach 70 to 75 years old. These higher rates for senior drivers are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.

Cheap car insurance quotes in Albany based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any lapses in coverage.

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates.

Cheap car insurance quotes in for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.

Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).

Credit Score	Insurance Company	Monthly Quote	Age	Zip Code	Car Make Model Trim	Liability Limits	Has Full Coverage
550-659	Progressive	$218	46	12202	Chevrolet Spark Ls	State Minimum	Yes
660-750	Progressive	$224	24	12206	Nissan Sentra Sv	State Minimum	No
660-750	Progressive	$401	27	12209	Honda Accord Lx	50/100	Yes
<550	Progressive	$378	51	12206	Gmc Acadia Slt-2	State Minimum	Yes
<550	Progressive	$188	40	12205	Honda Odyssey Ex	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Albany for popular cars

Your insurance rate is based on multiple factors, including the type of car you drive. If your car might require expensive repairs or replacement, attracts high theft rates, or has poor safety ratings, your insurance premiums will likely be higher than if you had a low-risk vehicle.

Popular cars in Albany include:

• Nissan Rogue
• Honda CR-V
• Chevy Equinox
• Toyota RAV4
• Dodge RAM 1500

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Learn more: How to get car insurance before buying a car

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Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Nissan Rogue Sport S	Bristol West	$449	23	12203	State Minimum	No
Nissan Rogue S	Bristol West	$192	31	12202	State Minimum	No
Chevrolet Equinox Lt	Bristol West	$150	52	12211	State Minimum	No
Chevrolet Equinox Lt	Progressive	$354	25	12202	State Minimum	Yes
Nissan Rogue S	Progressive	$193	38	12210	State Minimum	No

Last Updated Dec 17, 2024

How to lower car insurance costs in Albany

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:

• Good driver discounts. If you remain accident- and violation-free for a set number of years (typically three to five) you may qualify for a discounted rate from your insurer.
• Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
• Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
• Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.