Cheapest Car Insurance Quotes in Albany

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Albany Car Insurance

^$ 42

/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 $915 for a six-month policy, which is $35 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, 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

$915

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Albany

1st place: Kemper

At $401 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Capital Insurance Group

Capital Insurance Group offers auto insurance rates at $636 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $704 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, OR is Kemper, offering policies at just $401 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $636.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1742 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, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$401	$69
Capital Insurance Group	$636	$106
American Family	$704	$119
Travelers	$790	$133
Progressive	$809	$136
Encompass	$840	$140
USAA	$865	$146
Nationwide	$872	$147
State Farm	$877	$148
Country Financial	$895	$151
Mutual of Enumclaw	$1155	$197
Farmers	$1322	$223
Allstate	$1742	$293

Key Takeaways

Way's key takeaways about car insurance in Albany

The auto insurance costs in Albany fall around $401 for six months.
The cheapest auto insurance company in Albany is Kemper.
Teen drivers pay the highest rate in Albany at $1050 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.

Kemper provides the cheapest minimum car insurance coverage in Albany. Their Average 6 Month Premium is $248. Allstate is the most expensive at $920 for the same period.

Cheapest Liability Coverage in Albany, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$248	$42
Capital Insurance Group	$328	$56
State Farm	$353	$59
USAA	$353	$59
American Family	$370	$62
Travelers	$370	$62
Progressive	$376	$63
Country Financial	$439	$74
California Casualty	$469	$78
Nationwide	$494	$83
Farmers	$685	$115
Allstate	$920	$155

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 Kemper at $69 per month and $401 for six months.

Cheapest Full Coverage Car Insurance Quotes in Albany, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$401	$69
Capital Insurance Group	$636	$106
American Family	$704	$119
Travelers	$790	$133
Progressive	$809	$136
Encompass	$840	$140
USAA	$865	$146
Nationwide	$872	$147
State Farm	$877	$148
Country Financial	$895	$151
Mutual of Enumclaw	$1155	$197
Farmers	$1322	$223
Allstate	$1742	$293

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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, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Albany, Oregon, may be increasing due to several external factors. Oregon 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	$597
30s	USAA	$487
40s	USAA	$451
50s	USAA	$434
60s	USAA	$451
70s	USAA	$549

Cheapest Car Insurance Rates for Teen Drivers in Albany,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Albany at $38 per month. At $6239 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$229	$38
Capital Insurance Group	$389	$64
Country Financial	$1285	$216
USAA	$1366	$230
Travelers	$1384	$233
State Farm	$1637	$276
American Family	$2020	$340
Progressive	$2112	$356
Nationwide	$4034	$686
Allstate	$6239	$1050
Farmers	$6239	$1050

Teen Car Insurance Rates in OR 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 $597 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, Kemper is the cheapest car insurance provider. At $414 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 $4213 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$414	$69
Capital Insurance Group	$482	$82
Nationwide	$599	$100
Progressive	$889	$150
American Family	$1082	$182
Country Financial	$1186	$200
Travelers	$1248	$210
USAA	$1557	$265
Allstate	$3169	$528
Farmers	$3366	$572
State Farm	$4213	$702

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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, OR, 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 Kemper and Capital Insurance Group, offering $328 and $389, respectively. Allstate is an expensive provider with an average six-month premium of $2755.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$328	$54
Capital Insurance Group	$389	$67
Capital	$439	$73
Encompass	$488	$83
State Farm	$668	$112
Travelers	$742	$125
USAA	$784	$132
Progressive	$877	$148
American Family	$988	$166
Nationwide	$988	$166
Country Financial	$1038	$175
Farmers	$2267	$382
Allstate	$2755	$464

Albany Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Albany OR. For example, the car insurance in Albany after a DUI increases to $647 for a six month policy. While the rate increases by $234 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	$872	$146
One Med/PIP claim	$872	$148
Not-at-fault accident	$902	$151
One comp claim	$920	$156
Two Med/PIP claims	$933	$155
Failure to wear a seat belt	$994	$170
Two comp claims	$1019	$170
Child safety restraint	$1032	$176
Failure to show documents	$1032	$172
Driving without lights	$1038	$177
Driving with expired registration	$1063	$177
Speeding 11 - 15 MPH over limit	$1106	$188
Speeding 16 - 20 MPH over limit	$1106	$184
Speeding 6 - 10 MPH over limit	$1106	$188
Cell phone violation	$1112	$185
Driving too slowly	$1112	$189
Failure to yield	$1112	$185
Following too closely	$1112	$189
Illegal turn	$1112	$185
Texting while driving	$1112	$189
Wrong way/wrong lane	$1112	$185
Failure to stop at a red light	$1118	$190
Improper passing	$1118	$186
Passing school bus	$1162	$198
Speeding in school zone	$1162	$193
In 65 MPH zone	$1180	$201
Speeding 21 - 25 MPH over limit	$1186	$198
Open container	$1223	$208
At-fault accident - less than $1000	$1254	$209
Operating a vehicle without permission	$1260	$214
At-fault accident - $1000-$2000	$1334	$223
At-fault accident - greater than $2000	$1334	$227
Refusal to submit to a chemical test	$1494	$250
Racing	$1501	$255
DUI	$1519	$254
Reckless driving	$1526	$259
Driving with a suspended license	$1538	$257
Leaving scene of an accident/hit and run	$1588	$270

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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 Capital Insurance Group at $451 for a six-month policy. However, it can be as expensive as $2427 with companies like Nationwide.

Albany car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$451	$77
Kemper	$556	$93
Progressive	$692	$116
Travelers	$889	$150
State Farm	$933	$157
American Family	$1044	$176
USAA	$1162	$196
Farmers	$2181	$367
Country Financial	$2217	$373
Allstate	$2242	$378
Nationwide	$2427	$413

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 Kemper at $303. However, it can be as expensive as $2835 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Albany after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$303	$51
Capital Insurance Group	$364	$62
Nationwide	$494	$82
State Farm	$580	$98
Progressive	$742	$125
American Family	$748	$126
Travelers	$902	$152
USAA	$914	$155
Country Financial	$952	$160
Allstate	$2267	$386
Farmers	$2835	$472

Car Insurance Price Trends in Albany, Oregon

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 $207 in January compared to $200 of December. In other words, there has been an increase by $7 when you compare January and December.

The average cost of liability insurance in the Albany remained steady at $74 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Albany?

The car insurance in Albany is $42 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 $229 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 $880 for a six-month policy. It will cost around $154 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.

What is the best car insurance in Albany, OR?

The best car insurance company in Albany OR is Kemper, offering $401 for a six-month policy.