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 13, 2022

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Just What's Essential

  • Average car insurance rates in Albany, NY for senior drivers are $2,027/year
  • The cheapest car insurance company in Albany after a DUI is GEICO
  • The cheapest car insurance company in Albany for teen drivers is GEICO

Average car insurance rates in Albany, New York are $276 a month. But with a little research you can get a great deal from the top car insurance companies in Albany, NY. Before you buy Albany, New York car insurance, make sure your coverage meets or exceeds the New York minimum of 25/50/10.

It may even be helpful to compare Albany car insurance rates with New York car insurance rates, Rochester car insurance rates, or Yonkers car insurance rates to make sure you’re getting the best Albany, NY car insurance quotes available.

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

Albany, NY Minimum Car Insurance Coverage

Albany, New York law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Albany, NY Car Insurance Rates by Coverage Level

Some Albany drivers can get by with the New York minimum coverage of 25/50/10. Other drivers may need more. See how much your Albany, New York car insurance rates may be based on the coverage you need.

Annual Car 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

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

Albany, New York car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Albany, NY 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, 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

Albany, NY Car Insurance Rates for Teens

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

Annual Car 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

Albany, NY Car Insurance Rates for Seniors

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

Annual Car 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

Albany, NY Car Insurance Rates by Credit History

How does your credit history affect Albany, NY car insurance rates? Review the numbers here to find out.

Annual Car 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

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Albany, NY Car Insurance Rates by Driver History

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

Annual Albany, New York Car 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

Albany, NY Car Insurance Rates With a DUI

Even a single DUI can increase your Albany, NY 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, New York

Insurance Company Annual Car 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

Albany, NY Car Insurance Rates by ZIP Code

Just like Albany car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Albany, NY car insurance rates fluctuate by ZIP code.

Annual Car 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

Albany, NY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Albany, NY 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, 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

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Albany, NY Cheapest Car Insurance Rates

How do the top Albany, New York car insurance companies’ average rates stack up against the Albany average monthly car insurance rates of $276? Take a look and see.

Best Annual Car 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

Albany, NY Top Car Insurance Companies

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

Average Annual Car 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

Other Factors Affecting Albany, NY Car Insurance Rates

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

Albany, NY Commute Time

How does your Albany, NY commute time compare with the average driver? In Albany, the average commute is 19.0 minutes.

Albany, NY Traffic

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

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Albany, NY Car Insurance Quotes

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