Cheapest Car Insurance Quotes in Albany

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Albany Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Albany

The car insurance rate in Albany is $749 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $291, making it a popular choice for budget-conscious drivers. Rates in Albany can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Albany

$749

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Albany

1st place: American Family

At $291 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $404 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $410 for six months, making it the third cheapest auto insurance company in Albany.

Albany Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Albany, IN is American Family, offering policies at just $291 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $404.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1521 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Albany drivers find the best deals.

Cheap Car Insurance Companies in Albany, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$291	$49
Auto-Owners Insurance Co	$404	$69
Westfield	$410	$68
Nationwide	$511	$86
Hastings Mutual	$570	$96
USAA	$582	$98
Hastings Insurance	$642	$107
Progressive	$677	$114
Travelers	$677	$114
Auto-Owners	$766	$129
Farm Bureau	$980	$163
State Farm	$1087	$183
Allstate	$1372	$231
Farmers	$1521	$259

Key Takeaways

Way's key takeaways about car insurance in Albany

The auto insurance costs in Albany fall around $291 for six months.
The cheapest auto insurance company in Albany is Westfield.
Teen drivers pay the highest rate in Albany at $660 per month.

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Cheapest Minimum Liability Car Insurance in Albany

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Albany are given below.

Westfield provides the cheapest minimum car insurance coverage in Albany. Their Average 6 Month Premium is $125. Farmers is the most expensive at $546 for the same period.

Cheapest Liability Coverage in Albany, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$125	$21
American Family	$160	$27
Auto-Owners Insurance Co	$166	$28
USAA	$166	$28
Hastings Mutual	$178	$30
Indiana Farmers	$184	$31
Progressive	$214	$36
Auto-Owners	$220	$37
Grange	$220	$37
Travelers	$232	$39
SafeAuto	$244	$41
Farm Bureau	$297	$51
State Farm	$297	$50
Allstate	$517	$87
Farmers	$546	$91

Cheapest Full Coverage Car Insurance in Albany

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Albany is American Family at $49 per month and $291 for six months.

Cheapest Full Coverage Car Insurance Quotes in Albany, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$291	$49
Auto-Owners Insurance Co	$404	$69
Westfield	$410	$68
Nationwide	$511	$86
Hastings Mutual	$570	$96
USAA	$582	$98
Hastings Insurance	$642	$107
Progressive	$677	$114
Travelers	$677	$114
Auto-Owners	$766	$129
Farm Bureau	$980	$163
State Farm	$1087	$183
Allstate	$1372	$231
Farmers	$1521	$259

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Average Car Insurance in Albany by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Albany, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Albany, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Albany's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Albany

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$384
40s	USAA	$360
50s	USAA	$341
60s	USAA	$355
70s	Buckeye Insurance Group	$379

Cheapest Car Insurance Rates for Teen Drivers in Albany,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Albany at $25 per month. At $3879 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
American Family	$166	$28
Auto-Owners Insurance Co	$214	$36
Grange	$232	$39
USAA	$653	$110
Travelers	$843	$142
Progressive	$915	$154
Auto-Owners	$2245	$382
Allstate	$2928	$488
State Farm	$3101	$527
Farm Bureau	$3451	$575
Farmers	$3879	$660

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Albany.

As young drivers face the highest rates in Albany, USAA offers the cheapest auto insurance rates at $384 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Albany, Westfield is the cheapest car insurance provider. At $238 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Albany is State Farm, offering rates of around $4443 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$238	$40
American Family	$249	$42
Nationwide	$279	$47
Grange	$297	$50
Progressive	$760	$128
Travelers	$766	$129
USAA	$891	$152
Allstate	$1188	$200
Farm Bureau	$2008	$341
Auto-Owners	$2483	$414
Farmers	$2483	$422
State Farm	$4443	$741

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Car Insurance Rates with An Accident in Albany

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Albany, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Albany

The cheapest car insurance companies after an at-fault accident in Albany include American Family and AutoOwners Insurance Co, offering $202 and $232, respectively. Allstate is an expensive provider with an average six-month premium of $2453.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Auto-Owners Insurance Co	$232	$39
Indiana Farmers	$238	$40
Grange	$261	$44
USAA	$457	$77
Travelers	$529	$89
Auto-Owners	$552	$93
Progressive	$564	$95
State Farm	$772	$130
Farmers	$1212	$204
Farm Bureau	$1455	$243
Allstate	$2453	$417

Albany Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Albany IN. For example, the car insurance in Albany after a DUI increases to $754 for a six month policy. While the rate increases by $184 for a six-month policy in the case of a speeding ticket.

Albany auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$820	$137
One Med/PIP claim	$820	$139
Not-at-fault accident	$867	$145
Two Med/PIP claims	$879	$149
One comp claim	$885	$148
Failure to show documents	$927	$158
Failure to wear a seat belt	$933	$155
Two comp claims	$939	$160
Child safety restraint	$950	$158
Driving without lights	$950	$162
Driving with expired registration	$986	$164
Speeding 6 - 10 MPH over limit	$1004	$171
Driving too slowly	$1010	$168
Failure to yield	$1010	$172
Following too closely	$1010	$168
Illegal turn	$1010	$172
Speeding in school zone	$1010	$168
Cell phone violation	$1016	$173
Speeding 11 - 15 MPH over limit	$1016	$169
Texting while driving	$1016	$173
Wrong way/wrong lane	$1016	$169
Failure to stop at a red light	$1022	$174
Improper passing	$1028	$171
Speeding 16 - 20 MPH over limit	$1028	$175
At-fault accident - less than $1000	$1040	$173
Passing school bus	$1057	$180
Speeding 21 - 25 MPH over limit	$1111	$185
At-fault accident - $1000-$2000	$1146	$195
In 65 MPH zone	$1164	$194
At-fault accident - greater than $2000	$1170	$199
Operating a vehicle without permission	$1253	$209
Open container	$1265	$215
Racing	$1538	$256
Reckless driving	$1544	$263
Refusal to submit to a chemical test	$1562	$260
DUI	$1574	$268
Leaving scene of an accident/hit and run	$1604	$267
Driving with a suspended license	$1616	$275

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Albany after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Albany.

The cheapest car insurance premiums in Albany are offered by American Family at $202 for a six-month policy. However, it can be as expensive as $2726 with companies like Farmers.

Albany car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Grange	$368	$63
Travelers	$558	$94
Progressive	$564	$95
USAA	$689	$116
Farm Bureau	$1146	$193
State Farm	$1158	$195
Allstate	$1265	$213
Auto-Owners	$1746	$294
Hastings Mutual	$1877	$319
Farmers	$2726	$454

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Albany are offered by Westfield at $154. However, it can be as expensive as $1913 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Albany after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
American Family	$202	$34
Auto-Owners Insurance Co	$214	$36
Travelers	$600	$101
Progressive	$612	$103
USAA	$612	$102
State Farm	$653	$110
Auto-Owners	$885	$148
Farm Bureau	$1176	$200
Farmers	$1889	$315
Allstate	$1913	$325

Car Insurance Price Trends in Albany, Indiana

Car insurance rates in Albany have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Albany rose by $156 in January compared to $134 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Albany rose to $41 in January, compared to $39 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Albany?

The car insurance in Albany is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Albany?

The cheapest car insurance in Albany is $49 per month for full coverage.

How much is car insurance in Albany for teenagers?

Car insurance for teenagers costs $149 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Albany?

The average cost of car insurance is $749 for a six-month policy. It will cost around $126 per month to insure your car in Albany.

Is car insurance expensive in Albany?

Car insurance can be expensive in Albany if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Albany can be affordable.

Cheapest Car Insurance Quotes in Albany

Why you can trust Way?

How Much Is Car Insurance in Albany

Avg. Car Insurance in Albany

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Albany

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Albany Car Insurance Rates by Company

Cheap Car Insurance Companies in Albany, IN

Way's key takeaways about car insurance in Albany

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Albany

Cheapest Liability Coverage in Albany, IN

Cheapest Full Coverage Car Insurance in Albany

Cheapest Full Coverage Car Insurance Quotes in Albany, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Albany by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Albany, IN increasing?

Car Insurance Premiums by Age in Albany

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Albany,IN

If you are in your twenties USAA is the best choice for car insurance in Albany.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Albany

Cheapest Car Insurance Companies after an At-Fault Accident in Albany

Albany Car Insurance Rates by Violation

Albany auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Albany after a DUI

Albany car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Albany after Speeding ticket

Car Insurance Price Trends in Albany, Indiana

Average Car Insurance Cost in Albany by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Albany, IN

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources