Cheap Auto Insurance in Albany, GA

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Cheap Auto Insurance in Albany, GA

updated: Apr. 6, 2020

What is Cheap Auto Insurance in Albany, GA?

Our 2020 study showed that insurance rates for Albany, GA were a bit higher than many other Georgian cities. This makes it even more important to work hard to find who is offering the cheapest rates for your specific driving situation.

Driver Cheapest Full Coverage Cheapest Liability Only
Retired Couple $1,005 yr. (American) $240 yr. (AIG)
Middle Age Male $1,104 yr. (Progressive) $492 yr. (Auto-Owners)
Female (Accident & Speeding) $1,687 yr. (State Farm) $832 yr. (State Farm)
Male (DUI & Speeding) $1,968 yr. (American) $906 yr. (Esurance)
Young Female $2,656 yr. (Auto-Owners) $850 yr. (AIG)
Young Male $2,706 yr. (GEICO) $961 yr. (AIG)
Young Female (Speeding) $3,221 yr. (Progressive) $855 yr. (Trexis One)
Young Male (Speeding) $3,232 yr. (GEICO) $961 yr. (AIG)

More Cheap Auto Insurance Rate Comparisons in Albany

Here are more Albany driver situations to compare and contrast. These yearly premiums were acquired using the same methodology seen above.

40 year-old Male

In the above below we compiled rates for a 40 year old male who is married, with no accidents that drives 12,000 miles per year. Liability insurance rates landed anywhere between $832 – $3,080. Full coverage from $1,687 – $7,114.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $1,104 $592
AUTO-OWNERS $1,135 $492
AMERICAN $1,150 $510
MGA $1,169 $551
GEICO $1,193 $559
GOVERNMENT EMPLOYEES $1,193 $559
AUTO-OWNERS $1,231 $540
GARRISON $1,241 $508
MERCURY $1,253 $640
MILBANK $1,343 $672
FIRST ACCEPTANCE $1,378 $647
STATE FARM $1,412 $686
NATIONWIDE $1,447 $712
ESURANCE $1,460 $678
TREXIS ONE $1,526 $508
ASSURANCE $1,584 $838
COAST $1,620 $889
INSUREMAX $1,635 $705
ALLIED $1,684 $751
DIRECT $1,693 $822
MIDVALE $1,695 $906
ALFA $1,761 $998
OLD AMERICAN $1,764 $640
CHUBB $1,772 $776
AMERICAN STANDARD $1,810 $1,007
SOUTHERN $1,814 $818
SAFEWAY $1,840 $656
AIG $1,853 $429
LM $1,956 $778
TEACHERS $1,964 $826
INFINITY $1,975 $910
METROPOLITAN $2,002 $770
HORACE MANN $2,126 $882
CENTRAL $2,141 $1,016
OMNI $2,162 $1,073
SOUTHERN OF VIRGINIA $2,179 $1,064
ALFA $2,263 $1,284
TRUSTGARD $2,277 $1,252
TRAVELERS $2,288 $1,015
SAFECO $2,543 $1,107
MAIN STREET AMERICA $2,746 $1,031
MEMBERSELECT $2,866 $1,159
LOYA $3,068 $968
UNIQUE $3,389 $1,382
ACCC $3,534 $1,934
GEORGIA FARM BUREAU $3,573 $1,264
PEAK $3,630 $1,552
AMICA $4,336 $1,762
UNITED $5,120 $1,556

30 year-old Female (One Accident & Speeding)

In this Albany example we gathered rates for a married 30 year old female with one speeding ticket and one accident who drives 12,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
STATE FARM $1,687 $832
MILBANK $1,856 $967
AMERICAN $1,878 $928
AUTO-OWNERS $1,921 $920
FIRST ACCEPTANCE $1,979 $934
GARRISON $2,079 $915
ALFA $2,124 $1,247
PROGRESSIVE $2,137 $1,139
MERCURY $2,162 $1,133
METROPOLITAN $2,192 $896
GEICO $2,281 $1,025
NATIONAL $2,289 $1,230
ESURANCE $2,302 $1,200
SOUTHERN $2,378 $1,165
OLD AMERICAN $2,416 $1,000
AMERICAN STANDARD $2,437 $1,448
SAFEWAY $2,474 $994
LM $2,481 $905
GOVERNMENT EMPLOYEES $2,508 $1,212
METROPOLITAN $2,552 $1,238
INSUREMAX $2,653 $1,271
COAST $2,660 $1,490
NATIONWIDE $2,736 $1,529
TREXIS ONE $3,042 $1,166
TEACHERS $3,048 $1,322
CHUBB $3,054 $1,386
CENTRAL $3,054 $1,462
AIG $3,176 $715
TRAVELERS $3,264 $1,359
INFINITY $3,265 $1,520
HORACE MANN $3,319 $1,411
OMNI $3,326 $1,651
ALLIED $3,483 $1,626
ALFA $3,494 $2,054
MIDVALE $3,618 $2,095
SAFECO $4,151 $1,871
UNIQUE $4,291 $1,944
GEORGIA FARM BUREAU $4,754 $1,765
LOYA $5,006 $1,960
MAIN STREET AMERICA $5,155 $2,029
PEAK $5,190 $2,370
MEMBERSELECT $5,366 $2,627
ACCC $5,746 $3,330
DIRECT $6,022 $2,963
UNITED $6,774 $2,117
AMICA $7,114 $3,080

28 year-old Male (DUI & Speeding)

Here are the rates we found for a married 28 year old male with one speeding ticket and a DUI who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
AMERICAN $1,968 $986
STATE FARM $1,985 $1,163
PROGRESSIVE $2,056 $1,210
INSUREMAX $2,231 $983
ESURANCE $2,234 $906
MERCURY $2,339 $1,257
COAST $2,345 $1,299
FIRST ACCEPTANCE $2,504 $1,207
PROGRESSIVE $2,517 $1,344
OLD AMERICAN $2,648 $1,076
ALFA $2,677 $1,627
GARRISON $2,694 $1,160
METROPOLITAN $2,780 $1,362
LM $2,886 $1,119
OMNI $2,995 $1,482
GEICO $3,044 $1,522
GOVERNMENT EMPLOYEES $3,060 $1,656
NATIONWIDE $3,390 $1,976
METROPOLITAN $3,438 $1,590
AMERICAN STANDARD $3,695 $2,118
NATIONAL $3,800 $2,192
INFINITY $4,132 $1,969
DIRECT $4,151 $2,166
TRAVELERS $4,248 $1,874
HORACE MANN $4,306 $2,283
UNIQUE $4,333 $1,932
MIDVALE $4,383 $2,560
ALFA GENERAL $4,404 $2,679
AIG $4,682 $1,498
SAFECO $4,786 $2,244
SOUTHERN $4,874 $2,432
PEAK $4,988 $2,234
ALLIED $5,177 $2,478
SAFECO $5,327 $2,641
LOYA $5,846 $1,956
CHUBB $6,930 $3,222
UNITED $7,991 $2,689
CENTRAL $9,279 $4,505
GEORGIA FARM BUREAU $9,691 $3,701
MEMBERSELECT $10,254 $4,806
TEACHERS $12,586 $6,498
HORACE MANN $13,765 $6,934
AMICA $23,752 $10,684

65 year-old Retired Couple

In this example with gathered rates for a married 65 year old couple with clean driving records driving 7,500 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
SAFE AUTO $1,005 $583
PROGRESSIVE $1,056 $567
GEICO $1,061 $470
GOVERNMENT EMPLOYEES $1,061 $470
AUTO-OWNERS $1,079 $485
CHUBB NATIONAL $1,093 $476
GARRISON $1,094 $494
STATE FARM $1,140 $545
AIG $1,176 $240
MILBANK $1,224 $629
ALFA $1,227 $652
FIRST ACCEPTANCE $1,289 $671
MIDVALE $1,292 $677
NATIONWIDE $1,436 $711
TREXIS ONE $1,472 $574
MERCURY $1,487 $821
LM $1,496 $588
INSUREMAX $1,527 $705
ESURANCE $1,546 $744
ALFA GENERAL $1,594 $849
NATIONAL GENERAL ASSURANCE $1,647 $920
TEACHERS $1,693 $702
ALLIED $1,712 $744
CENTRAL MUTUAL $1,732 $804
AMERICAN STANDARD $1,761 $1,026
METROPOLITAN $1,826 $720
HORACE MANN $1,828 $749
TRAVELERS $1,840 $855
METROPOLITAN $1,906 $862
OLD AMERICAN $1,912 $722
DIRECT $1,928 $1,031
COAST NATIONAL $1,945 $1,114
SAFEWAY $1,954 $684
TRUSTGARD $1,966 $1,099
SOUTHERN $2,069 $1,008
SAFECO $2,085 $966
OMNI $2,256 $1,139
MAIN STREET AMERICA $2,337 $954
MEMBERSELECT $2,486 $1,111
INFINITY $2,489 $1,220
PEAK $2,562 $1,220
AMICA $3,058 $1,258
LOYA $3,066 $1,104
GEORGIA FARM BUREAU $3,214 $1,192
UNIQUE $3,365 $1,704
UNITED $5,609 $1,843
ACCC $12,465 $8,349

19 year-old Female (Speeding)

In this example we gathered rates for a single 19 year old female with one speeding ticket who drives 15,000 miles per year in Albany.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $3,221 $1,789
GEICO $3,246 $1,731
GOVERNMENT EMPLOYEES $3,246 $1,731
STATE FARM $3,283 $1,806
METROPOLITAN $3,764 $1,816
COAST $3,871 $2,504
ALFA $3,880 $2,297
AMERICAN $3,880 $2,150
CHUBB $3,905 $2,001
ESURANCE $3,960 $2,176
NATIONWIDE $4,000 $2,620
SAFEWAY $4,002 $2,062
OLD AMERICAN $4,040 $2,138
MERCURY $4,222 $2,510
TREXIS ONE $4,558 $1,508
MIDVALE $4,586 $3,004
METROPOLITAN $4,652 $2,272
TEACHERS $4,927 $2,181
ALFA GENERAL $4,941 $2,927
NATIONAL $4,948 $3,013
SOUTHERN $5,165 $2,576
CENTRAL $5,224 $2,523
ALLIED $5,230 $2,547
MILBANK $5,322 $3,158
TRAVELERS $5,354 $2,392
HORACE MANN $5,386 $2,327
AMERICAN STANDARD $5,472 $3,703
INSUREMAX $5,743 $3,248
LOYA $6,420 $3,008
OMNI $6,824 $3,354
PEAK $6,836 $3,590
UNIQUE $6,900 $3,138
LM $7,337 $3,562
TRUSTGARD $7,963 $5,296
GEORGIA FARM BUREAU $8,233 $3,412
SAFECO $8,603 $4,909
INFINITY $8,766 $3,925
ACCC $9,106 $5,852
DIRECT $9,340 $5,029
SAFECO $9,701 $5,756
AMICA $9,987 $4,401
MAIN STREET AMERICA $10,078 $4,841
MEMBERSELECT $11,496 $6,778
UNITED $11,981 $5,101

19 year-old Male (Speeding)

In this table you’ll find rates for a single 19 year old male with one speeding ticket who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GEICO $3,232 $1,679
GOVERNMENT EMPLOYEES $3,232 $1,679
FIRST ACCEPTANCE $3,340 $1,762
PROGRESSIVE $3,529 $1,931
AIG $3,559 $961
GARRISON $3,826 $1,736
STATE FARM $4,102 $2,261
AUTO-OWNERS $4,140 $2,281
NATIONWIDE $4,192 $2,742
COAST $4,291 $2,818
AMERICAN $4,296 $2,308
CHUBB $4,459 $2,318
MIDVALE $4,670 $3,196
MGA $4,779 $2,469
METROPOLITAN GROUP $4,980 $2,470
MERCURY $5,044 $2,808
ESURANCE $5,176 $2,854
NATIONAL $5,212 $3,057
SAFEWAY $5,378 $2,726
TREXIS ONE $5,432 $1,656
OLD AMERICAN $5,488 $2,826
THE CINCINNATI $5,655 $3,249
METROPOLITAN $5,764 $2,850
AMERICAN STANDARD $5,833 $3,945
INSUREMAX $6,031 $3,237
ALFA $6,127 $3,786
MILBANK $6,255 $3,721
CENTRAL $6,298 $3,048
TRAVELERS $6,402 $3,123
ALLIED $6,629 $3,260
LOYA $6,732 $2,760
SOUTHERN OF VIRGINIA $7,045 $3,528
OMNI $7,459 $3,692
UNIQUE $7,489 $2,868
TRUSTGARD $7,804 $5,084
ALFA $7,807 $4,824
LM $7,809 $3,961
PEAK $8,222 $4,572
TEACHERS $8,829 $3,966
SAFECO $9,270 $5,414
GEORGIA FARM BUREAU $9,613 $4,128
HORACE MANN $9,680 $4,232
INFINITY $9,866 $4,219
ACCC $10,210 $6,558
AMICA $10,475 $4,629
DIRECT $10,904 $5,619
MAIN STREET AMERICA $10,965 $5,424
MEMBERSELECT $13,815 $8,526
UNITED $14,771 $5,196

19 year-old Female

In this example we gathered rates for a single 19 year old female with a clean driving record who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
AUTO-OWNERS $2,656 $1,453
PROGRESSIVE $2,704 $1,501
GEICO $2,884 $1,538
GOVERNMENT EMPLOYEES $2,884 $1,538
FIRST ACCEPTANCE $2,945 $1,534
STATE FARM $2,987 $1,626
AIG $3,126 $850
CHUBB $3,273 $1,672
COAST $3,273 $2,156
AMERICAN $3,360 $1,828
MIDVALE $3,482 $2,274
ALFA $3,512 $2,052
METROPOLITAN $3,578 $1,726
NATIONWIDE $3,583 $2,350
MERCURY $3,595 $2,142
TREXIS ONE $3,624 $1,182
SAFEWAY $3,772 $1,876
ESURANCE $3,806 $2,100
OLD AMERICAN $3,846 $1,944
TEACHERS $4,132 $1,818
AMERICAN STANDARD $4,170 $2,770
MILBANK $4,213 $2,513
METROPOLITAN $4,266 $2,046
THE CINCINNATI $4,435 $2,595
NATIONAL $4,447 $2,729
ALFA $4,471 $2,613
HORACE MANN $4,511 $1,939
ALLIED $4,533 $2,229
CENTRAL $4,767 $2,299
TRAVELERS $4,860 $2,249
TRUSTGARD $5,099 $3,349
SOUTHERN $5,165 $2,576
INSUREMAX $5,223 $2,990
LOYA $5,696 $2,624
SAFECO $5,772 $3,251
UNIQUE $6,326 $2,854
PEAK $6,448 $3,400
OMNI $6,620 $3,228
DIRECT $6,707 $3,583
LM $6,872 $3,545
GEORGIA FARM BUREAU $7,497 $3,133
INFINITY $8,069 $3,607
MAIN STREET AMERICA $8,082 $3,894
MEMBERSELECT $8,088 $4,456
AMICA $8,541 $3,745
ACCC $8,599 $5,573
UNITED $10,931 $4,422

19 year-old Male

In this example we gathered rates for a single 19 year old male with a clean driving record who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GEICO $2,706 $1,406
GOVERNMENT EMPLOYEES $2,706 $1,406
PROGRESSIVE $2,993 $1,630
GARRISON $3,047 $1,367
FIRST ACCEPTANCE $3,179 $1,665
OWNERS $3,181 $1,708
AUTO-OWNERS $3,471 $1,875
MIDVALE $3,527 $2,411
AIG $3,559 $961
COAST $3,692 $2,471
AMERICAN $3,726 $1,962
STATE FARM $3,732 $2,035
CHUBB $3,732 $1,936
NATIONWIDE $3,773 $2,472
MGA $4,344 $2,229
MERCURY $4,413 $2,440
AMERICAN STANDARD $4,427 $2,942
NATIONAL $4,447 $2,729
METROPOLITAN $4,562 $2,222
MILBANK $4,948 $2,958
TRUSTGARD $5,047 $3,269
ESURANCE $5,050 $2,802
SAFEWAY $5,084 $2,478
TREXIS ONE $5,144 $1,592
OLD AMERICAN $5,230 $2,568
INSUREMAX $5,364 $2,892
METROPOLITAN $5,480 $2,708
ALFA $5,543 $3,380
TRAVELERS $5,831 $2,935
CENTRAL $5,842 $2,825
ALLIED $5,951 $2,954
LOYA $5,968 $2,408
SAFECO $6,211 $3,580
UNIQUE $6,863 $2,606
SOUTHERN $7,045 $3,528
ALFA $7,061 $4,307
OMNI $7,255 $3,566
LM $7,311 $3,942
TEACHERS $7,384 $3,305
PEAK $7,766 $4,328
DIRECT $7,849 $4,007
HORACE MANN $8,090 $3,526
MAIN STREET AMERICA $8,827 $4,363
GEORGIA FARM BUREAU $8,866 $3,839
INFINITY $9,167 $3,900
AMICA $9,328 $4,105
MEMBERSELECT $9,621 $5,596
ACCC $9,636 $6,246
UNITED $13,515 $4,505

Auto Insurance Agencies in Albany

Taylor Insurance Agency Inc.

2305 Robinhood Rd, Albany, GA 31707, United States
+1 229-432-7203
www.tayins.com

Toole Budget Insurance Agency, Inc.

1301 N Slappey Blvd, Albany, GA 31701, United States
+1 229-889-8557
www.toolebudgetinsurance.com

Stewart Short Insurance Insurance Services Inc

121 N Westover Blvd, Albany, GA 31707, United States
+1 229-883-2928
www.shortinsurancegroup.com

DWB-The Family Agency

1148 Dawson Rd, Albany, GA 31707, United States
+1 229-420-7777
www.thefamilyagency.biz

Bauman Insurance

1481 US HWY 19 South, Leesburg, GA 31763, United States
+1 229-317-3547
www.gottabecovered.com

Reynolds Shugart & Associates

1704 Gillionville Rd, Albany, GA 31707, United States
+1 229-883-0088
www.reynolds-shugart.com

Wilson Insurance Agency

2218 Palmyra Rd, Albany, GA 31701, United States
+1 229-888-9605
www.wilsoninsurancealbany.com

Cross Insurance

1105 10th Ave #5, Albany, GA 31707, United States
+1 229-883-7849
no website

Fleming & Riles Insurance

636 Pointe N Blvd, Albany, GA 31721, United States
+1 229-436-2408
www.flemingins.com

Albany Auto Body Repair

Draper Auto Body Repair LLC

629 Pine Ave, Albany, GA 31701, United States
+1 229-888-2369
www.draperautobodyrepair.com

Master Body Works Inc

1518 U.S. 19 South, Leesburg, GA 31763, United States
+1 229-439-8833
www.masterbodyworksalbanyga.com

Winchester Paint & Body

510 S Slappey Blvd, Albany, GA 31701, United States
+1 229-430-8078
no website

Five Star Collision Center-Albany

619 E Oglethorpe Blvd, Albany, GA 31705, United States
+1 229-518-1007
www.drivefivestarcollision.com

Duren Auto Specialists

1554 US-19, Leesburg, GA 31763, United States
+1 229-496-2064
www.durenautospecialists.com

Maxie Paint & Body

412 Sands Dr, Albany, GA 31705, United States
+1 229-395-7757
no website

Albany Auto Mechanic Shops

Gieryic’s Automotive Repair

2401 Dawson Rd, Albany, GA 31707, United States
+1 229-384-5993
www.albanyautoservice.com

Precision Tune Auto Care

2534 Dawson Rd, Albany, GA 31707, United States
+1 229-431-0126
www.precisiontune.com

Albany Auto Service

1305 Oglethorpe Ave, Albany, GA 31707, United States
+1 229-436-0158
www.albanyautoserviceinc.com

Erickson Automotive LLC

1019 W Oglethorpe Blvd, Albany, GA 31701, United States
+1 229-432-5051
www.ericksonautomotive.net

The Shop of Albany

511 W Oglethorpe Blvd, Albany, GA 31701, United States
800
www.theshopofalbany.com

Complete Auto Solutions

3009A, N Slappey Blvd, Albany, GA 31701, United States
+1 229-733-4830
no website

Albany Department of Motor Vehicles

Georgia Department of Driver Services

2062 Newton Rd, Albany, GA 31701, United States
+1 678-413-8400
www.dds.georgia.gov

Methodology

The following is the baseline methodology used in our 2020 Georgia study. Prices reflect one year of coverage.

Car Make/Model: 2012 Toyota Camry, 4-door sedan, 6 cylinder

  • Liability: $25,000/ $50,000 per accident
  • Bodily Injury Liability: $25,000 per accident, Property Damage Liability

Full Coverage Additions

  • Car Damage: $1000 collision deductible, $500 comprehensive deductible
  • Uninsured Motorist: $25,000 per person/$50,000 per accident
  • Medical: $2,000 per accident. Bodily Injury/$25,000 per accident

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