Cheapest Car Insurance Quotes in Albany

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Albany Car Insurance

^$ 24

/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 $1046 for a six-month policy, which is $44 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $417, 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

$1046

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Albany

1st place: AutoOwners Insurance Co

At $417 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $456 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $599 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, KY is AutoOwners Insurance Co, offering policies at just $417 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $456.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2440 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, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$417	$69
Cincinnati	$456	$78
Kentucky Farm Bureau	$599	$101
Travelers	$809	$136
Shelter	$906	$153
USAA	$935	$157
Auto-Owners	$1106	$184
Electric	$1106	$188
State Farm	$1106	$186
Farm Bureau	$1164	$198
Progressive	$1232	$207
Nationwide	$1329	$224
Allstate	$2440	$407

Key Takeaways

Way's key takeaways about car insurance in Albany

The auto insurance costs in Albany fall around $417 for six months.
The cheapest auto insurance company in Albany is Cincinnati.
Teen drivers pay the highest rate in Albany at $1227 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.

Cincinnati provides the cheapest minimum car insurance coverage in Albany. Their Average 6 Month Premium is $143. Allstate is the most expensive at $912 for the same period.

Cheapest Liability Coverage in Albany, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$143	$24
Auto-Owners Insurance Co	$194	$33
Kentucky Farm Bureau	$217	$36
Electric	$234	$39
USAA	$285	$48
Travelers	$302	$51
Westfield	$320	$55
Farm Bureau	$336	$57
State Farm	$348	$59
Progressive	$382	$64
Shelter	$394	$66
Auto-Owners	$456	$76
Nationwide	$541	$91
Allstate	$912	$152

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 AutoOwners Insurance Co at $69 per month and $417 for six months.

Cheapest Full Coverage Car Insurance Quotes in Albany, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$417	$69
Cincinnati	$456	$78
Kentucky Farm Bureau	$599	$101
Travelers	$809	$136
Shelter	$906	$153
USAA	$935	$157
Auto-Owners	$1106	$184
Electric	$1106	$188
State Farm	$1106	$186
Farm Bureau	$1164	$198
Progressive	$1232	$207
Nationwide	$1329	$224
Allstate	$2440	$407

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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, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Albany, Kentucky, may be increasing due to several external factors. Kentucky 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
20s	USAA	$916
30s	Auto-Owners	$694
40s	Auto-Owners	$679
50s	Auto-Owners	$648
60s	USAA	$674
70s	State Farm	$751

Cheapest Car Insurance Rates for Teen Drivers in Albany,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Albany at $31 per month. At $7362 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$182	$31
Auto-Owners Insurance Co	$274	$46
Kentucky Farm Bureau	$912	$154
Travelers	$1323	$223
USAA	$1551	$261
Farm Bureau	$1757	$296
Shelter	$1893	$319
State Farm	$2144	$361
Auto-Owners	$2999	$510
Progressive	$3757	$633
Nationwide	$7339	$1248
Allstate	$7362	$1227

Teen Car Insurance Rates in KY 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 $916 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, Cincinnati is the cheapest car insurance provider. At $245 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 Allstate, offering rates of around $5178 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$245	$41
Travelers	$1112	$187
Progressive	$1146	$193
USAA	$1426	$243
Nationwide	$1802	$303
Shelter	$3051	$518
Auto-Owners	$3119	$520
Farm Bureau	$3559	$605
State Farm	$4721	$787
Allstate	$5178	$880

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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, KY, 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 AutoOwners Insurance Co and Electric, offering $291 and $291, respectively. Allstate is an expensive provider with an average six-month premium of $3633.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$291	$48
Electric	$291	$50
Cincinnati	$308	$51
Farm Bureau	$388	$66
Kentucky Farm Bureau	$422	$71
Travelers	$776	$131
State Farm	$793	$133
USAA	$850	$143
Shelter	$873	$147
Progressive	$1482	$250
Auto-Owners	$1540	$256
Nationwide	$3177	$540
Allstate	$3633	$606

Albany Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Albany KY. For example, the car insurance in Albany after a DUI increases to $1192 for a six month policy. While the rate increases by $302 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	$1391	$232
One Med/PIP claim	$1403	$238
Two Med/PIP claims	$1460	$243
Not-at-fault accident	$1500	$255
One comp claim	$1523	$253
Failure to wear a seat belt	$1540	$262
Failure to show documents	$1591	$265
Two comp claims	$1591	$271
Driving without lights	$1596	$266
Child safety restraint	$1614	$275
Cell phone violation	$1676	$279
Driving with expired registration	$1682	$286
Texting while driving	$1682	$280
Driving too slowly	$1693	$288
Failure to stop at a red light	$1693	$282
Failure to yield	$1693	$288
Speeding 6 - 10 MPH over limit	$1693	$282
Speeding in school zone	$1693	$288
Following too closely	$1699	$283
Illegal turn	$1699	$289
Speeding 11 - 15 MPH over limit	$1699	$283
Wrong way/wrong lane	$1699	$289
Improper passing	$1705	$284
Speeding 16 - 20 MPH over limit	$1705	$290
Speeding 21 - 25 MPH over limit	$1740	$290
In 65 MPH zone	$1751	$298
Passing school bus	$1779	$297
Open container	$1825	$310
At-fault accident - less than $1000	$1859	$310
Operating a vehicle without permission	$1996	$340
At-fault accident - $1000-$2000	$2019	$336
At-fault accident - greater than $2000	$2019	$344
Reckless driving	$2537	$423
Refusal to submit to a chemical test	$2572	$438
DUI	$2583	$430
Driving with a suspended license	$2589	$441
Racing	$2601	$433
Leaving scene of an accident/hit and run	$2628	$447

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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 Cincinnati at $382 for a six-month policy. However, it can be as expensive as $4135 with companies like Nationwide.

Albany car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$382	$65
Allstate	$496	$83
Kentucky Farm Bureau	$508	$86
Travelers	$735	$124
Progressive	$815	$137
Shelter	$878	$148
State Farm	$924	$156
USAA	$1072	$180
Auto-Owners	$2537	$431
Farm Bureau	$2754	$459
Nationwide	$4135	$703

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 Cincinnati at $171. However, it can be as expensive as $2845 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
Cincinnati	$171	$29
Kentucky Farm Bureau	$205	$35
Auto-Owners Insurance Co	$234	$39
State Farm	$713	$120
Travelers	$764	$129
Shelter	$799	$134
Progressive	$1003	$169
USAA	$1044	$178
Auto-Owners	$1158	$193
Farm Bureau	$1164	$198
Nationwide	$2087	$348
Allstate	$2845	$484

Car Insurance Price Trends in Albany, Kentucky

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 $217 in January compared to $213 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Albany dipped to $59 in January, compared to $60 in December. This represents an decrease of $1 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 $24 per month, which is lower than the national average.

What is the cheapest car insurance in Albany?

The cheapest car insurance in Albany is $69 per month for full coverage.

How much is car insurance in Albany for teenagers?

Car insurance for teenagers costs $182 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 $1090 for a six-month policy. It will cost around $176 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 Kentucky

National Average

Cheapest Car Insurance Companies in Albany

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Albany Car Insurance Rates by Company

Cheap Car Insurance Companies in Albany, KY

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, KY

Cheapest Full Coverage Car Insurance in Albany

Cheapest Full Coverage Car Insurance Quotes in Albany, KY

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, KY 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,KY

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, Kentucky

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, KY

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

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