Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Albany for teen drivers is Progressive
  • Average car insurance rates in Albany, CA for senior drivers are $2,176/year
  • The cheapest car insurance company in Albany after a DUI is Progressive

Average car insurance rates in Albany, California are $304 a month. But with a little research you can get a great deal from the top car insurance companies in Albany, CA. Before you buy Albany, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Albany car insurance rates with Fresno car insurance rates, Anaheim car insurance rates, or Bakersfield car insurance rates to make sure you’re getting the best Albany, CA car insurance quotes available.

Need affordable Albany, CA car insurance? Enter your ZIP code to compare Albany car insurance quotes from multiple car insurance companies near you.

Albany, CA Minimum Car Insurance Coverage

Albany, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Albany, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Albany, CA Car Insurance Rates by Coverage Level

Some Albany drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Albany, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Albany, California

Insurance Company Low Medium High
Allstate $4,289 $4,562 $4,718
Farmers $5,080 $5,478 $5,754
GEICO $2,310 $2,556 $2,715
Liberty Mutual $3,103 $3,346 $3,497
Nationwide $4,199 $4,738 $5,016
Progressive $2,049 $2,320 $2,393
State Farm $3,716 $4,204 $4,469
Travelers $2,951 $3,498 $3,748
USAA $2,388 $2,661 $2,790

Albany, CA Car Insurance Rates by Age, Gender, and Marital Status

Albany, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Albany, CA car insurance, get quotes from multiple car insurance companies in the Albany area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Albany, California

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 $2,905 $2,912 $2,123 $2,142 $8,093 $10,202 $3,716 $4,090
Farmers $2,942 $2,942 $2,655 $2,655 $9,428 $15,489 $3,492 $3,893
GEICO $1,563 $1,564 $1,470 $1,470 $4,767 $4,842 $2,246 $2,292
Liberty Mutual $2,498 $2,369 $2,325 $2,254 $5,539 $5,873 $2,825 $2,838
Nationwide $3,256 $3,106 $2,846 $2,681 $8,352 $9,199 $3,908 $3,860
Progressive $1,429 $1,471 $1,204 $1,431 $3,750 $4,523 $2,036 $2,187
State Farm $3,249 $3,249 $2,902 $2,902 $5,991 $7,436 $3,598 $3,709
Travelers $2,531 $2,448 $2,235 $2,212 $5,270 $5,993 $3,284 $3,219
USAA $1,870 $1,772 $1,823 $1,831 $4,257 $4,298 $2,597 $2,455

Albany, CA Car Insurance Rates for Teens

How much is Albany, California car insurance for teens? Compare rates from top Albany car insurance companies below to help find the cheapest teen car insurance in Albany, CA.

Annual Car Insurance Rates for Teen Drivers in Albany, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,093 $10,202
Farmers $9,428 $15,489
GEICO $4,767 $4,842
Liberty Mutual $5,539 $5,873
Nationwide $8,352 $9,199
Progressive $3,750 $4,523
State Farm $5,991 $7,436
Travelers $5,270 $5,993
USAA $4,257 $4,298

Albany, CA Car Insurance Rates for Seniors

Before seniors buy Albany, California car insurance, they should make sure to shop around. Some Albany, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Albany, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,123 $2,142
Farmers $2,655 $2,655
GEICO $1,470 $1,470
Liberty Mutual $2,325 $2,254
Nationwide $2,846 $2,681
Progressive $1,204 $1,431
State Farm $2,902 $2,902
Travelers $2,235 $2,212
USAA $1,823 $1,831

Albany, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Albany, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Albany.

Annual Albany, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,729 $4,581 $7,200 $3,582
Farmers $4,016 $5,473 $6,823 $5,437
GEICO $1,766 $2,731 $3,420 $2,191
Liberty Mutual $2,878 $3,856 $3,477 $3,049
Nationwide $3,246 $4,160 $7,038 $4,160
Progressive $1,486 $2,505 $2,888 $2,136
State Farm $2,947 $3,515 $6,636 $3,420
Travelers $2,267 $3,693 $4,294 $3,342
USAA $1,737 $2,588 $4,225 $1,902

Albany, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Albany, CA car insurance rates. Compare rates below to see which Albany car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Albany, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,200
Farmers $6,823
GEICO $3,420
Liberty Mutual $3,477
Nationwide $7,038
Progressive $2,888
State Farm $6,636
Travelers $4,294
USAA $4,225

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Albany, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Albany, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Albany companies based on commute time.

Annual Car Insurance Rates by Commute Length in Albany, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,077 $4,969
Farmers $4,933 $5,941
GEICO $2,295 $2,758
Liberty Mutual $3,045 $3,585
Nationwide $4,107 $5,195
Progressive $2,044 $2,464
State Farm $3,979 $4,280
Travelers $3,056 $3,742
USAA $2,411 $2,816

Albany, CA Cheapest Car Insurance Rates

How do the top Albany, California car insurance companies’ average rates stack up against the Albany average monthly car insurance rates of $304? Take a look and see.

Best Annual Car Insurance Rates by Company in Albany, California

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

Albany, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Albany, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Albany, California

Insurance Company Average Annual Rates
Allstate $4,523
Farmers $5,437
GEICO $2,527
Liberty Mutual $3,315
Nationwide $4,651
Progressive $2,254
State Farm $4,130
Travelers $3,399
USAA $2,613

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Other Factors Affecting Albany, CA Car Insurance Rates

Before you buy Albany, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Albany, CA Car Theft Rates

The car theft rate in Albany, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Albany, California is 47 stolen cars.

Albany, CA Commute Time

How does your Albany, CA commute time compare with the average driver? In Albany, the average commute is 32.8 minutes.

Albany, CA Traffic

Spending time in Albany traffic can lead to higher car insurance rates. According to INRIX data, Albany, CA ranks as the 863rd-most congested with traffic in the world.

Albany, CA Car Insurance Quotes

Compare Albany, CA car insurance quotes from multiple companies by entering your ZIP code now.