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 | $188 | 40 | 12205 | Honda Odyssey Ex | State Minimum | No |
| Progressive | $210 | 24 | 12206 | Lincoln Zephyr | State Minimum | No |
| Progressive | $299 | 30 | 12202 | Nissan Altima 2.5 | State Minimum | No |
| Progressive | $154 | 29 | 12211 | Mitsubishi Mirage G4 Es | State Minimum | No |
| Progressive | $107 | 32 | 12204 | Toyota Camry Hybrid | State Minimum | No |
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 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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 | No | Progressive | $188 | 40 | 12205 | Honda Odyssey Ex |
| State Minimum | No | Progressive | $210 | 24 | 12206 | Lincoln Zephyr |
| State Minimum | No | Progressive | $299 | 30 | 12202 | Nissan Altima 2.5 |
| State Minimum | No | Progressive | $154 | 29 | 12211 | Mitsubishi Mirage G4 Es |
| State Minimum | No | Progressive | $107 | 32 | 12204 | Toyota Camry Hybrid |
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 |
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 | $188 | 40 | 12205 | Honda Odyssey Ex | State Minimum | No |
| Not At Fault | Progressive | $299 | 30 | 12202 | Nissan Altima 2.5 | State Minimum | No |
| At Fault With No Injury | Progressive | $179 | 50 | 12209 | Honda Cr-V Ex | State Minimum | No |
| Not At Fault | Progressive | $1,154 | 38 | 12206 | Subaru Tribeca Limited | State Minimum | No |
| Not At Fault | Progressive | $348 | 62 | 12204 | Jeep Liberty Sport | State Minimum | No |
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 |
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 | Progressive | $188 | 40 | 12205 | Honda Odyssey Ex | State Minimum | No |
| 550-659 | Progressive | $210 | 24 | 12206 | Lincoln Zephyr | State Minimum | No |
| 550-659 | Progressive | $299 | 30 | 12202 | Nissan Altima 2.5 | State Minimum | No |
| 660-750 | Progressive | $154 | 29 | 12211 | Mitsubishi Mirage G4 Es | State Minimum | No |
| 550-659 | Progressive | $107 | 32 | 12204 | Toyota Camry Hybrid | State Minimum | No |
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
Learn more: How to get car insurance before buying a car
|
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 |
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.
FAQ
-
How much is car insurance in Albany?
-
What is the cheapest car insurance in Albany?
-
What is the minimum car insurance in Albany, New York?
-
What is the best car insurance in Albany?
-
Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*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.
