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Albany Car Insurance
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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.
The car insurance rate in the Albany is $1065, which is $68 lower than the state average. Texas Farm Bureau offers the cheapest insurance rates in the city at $625 for a six-month policy.
$1065
$1133
$1146
At $625 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.
AAA Texas offers auto insurance rates at $776 for a six-month policy, making it one of the cheapest to insure with.
State Farm offers auto insurance rates at $788 for six months, making it the third cheapest auto insurance company in Albany.
Based on our research, the cheapest car insurance companies in Albany TX include Texas Farm Bureau, offering $625 for a six-month policy. This is followed by AAA Texas, with an average six-month premium of $776. Farmers is the most expensive, at $2306.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $625 | $105 |
| AAA Texas | $776 | $132 |
| State Farm | $788 | $133 |
| USAA | $792 | $133 |
| Redpoint County Mutual | $899 | $149 |
| Mercury | $904 | $152 |
| Progressive | $1056 | $178 |
| National General | $1067 | $181 |
| Allstate | $1441 | $243 |
| Farmers | $2306 | $392 |
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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.
Texas Farm Bureau provides the cheapest minimum car insurance coverage in Albany. Their Average 6 Month Premium is $240. Farmers is the most expensive at $910 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $240 | $40 |
| USAA | $245 | $41 |
| State Farm | $268 | $45 |
| Progressive | $279 | $47 |
| Mercury | $302 | $51 |
| Redpoint County Mutual | $302 | $52 |
| National General | $346 | $57 |
| AAA Texas | $402 | $69 |
| Allstate | $553 | $93 |
| Farmers | $910 | $155 |
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 Texas Farm Bureau at $105 per month and $625 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $625 | $105 |
| AAA Texas | $776 | $132 |
| State Farm | $788 | $133 |
| USAA | $792 | $133 |
| Redpoint County Mutual | $899 | $149 |
| Mercury | $904 | $152 |
| Progressive | $1056 | $178 |
| National General | $1067 | $181 |
| Allstate | $1441 | $243 |
| Farmers | $2306 | $392 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Albany, Texas, may be increasing due to several external factors. Texas 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.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 30s | Texas Farm Bureau | $657 |
| 40s | Nationwide | $652 |
| 50s | Texas Farm Bureau | $582 |
| 60s | Texas Farm Bureau | $538 |
| 70s | Texas Farm Bureau | $577 |
If you are planning to get a car insurance policy for your teenage dependent, Redpoint County Mutual provides the cheapest car insurance in the Albany at $53 per month. At $7527 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Redpoint County Mutual | $307 | $53 |
| Mercury | $447 | $74 |
| National General | $447 | $74 |
| AAA Texas | $509 | $86 |
| Texas Farm Bureau | $1111 | $187 |
| USAA | $1212 | $204 |
| State Farm | $1251 | $211 |
| Allstate | $3155 | $531 |
| Progressive | $5382 | $906 |
| Farmers | $7527 | $1279 |
Teen Car Insurance Rates in TX by Age
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.
For those with poor credit scores in Albany, Mercury is the cheapest car insurance provider. At $486 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 $4216 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $486 | $83 |
| National General | $509 | $86 |
| Foremost | $581 | $97 |
| AAA Texas | $619 | $105 |
| Nationwide | $653 | $111 |
| Dairyland | $720 | $120 |
| Allstate | $944 | $161 |
| USAA | $966 | $161 |
| Texas Farm Bureau | $1089 | $185 |
| Progressive | $1508 | $254 |
| Farmers | $3819 | $650 |
| State Farm | $4216 | $702 |
Save up to $971/yr on car insurance rates 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, TX, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Albany include Redpoint County Mutual and National General, offering $307 and $541, respectively. Farmers is an expensive provider with an average six-month premium of $6337.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Redpoint County Mutual | $307 | $51 |
| National General | $541 | $92 |
| State Farm | $541 | $91 |
| AAA Texas | $598 | $102 |
| Mercury | $631 | $106 |
| USAA | $771 | $130 |
| Texas Farm Bureau | $982 | $165 |
| Progressive | $1825 | $307 |
| Allstate | $2055 | $346 |
| Farmers | $6337 | $1077 |
Here is a list of driving violations that can increase your car insurance rates in Albany TX. For example, the car insurance in Albany after a DUI increases to $737 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1206 | $201 |
| One Med/PIP claim | $1217 | $207 |
| One comp claim | $1278 | $213 |
| Not-at-fault accident | $1290 | $219 |
| Two Med/PIP claims | $1295 | $216 |
| Failure to show documents | $1340 | $227 |
| Driving with expired registration | $1351 | $226 |
| Two comp claims | $1362 | $231 |
| Cell phone violation | $1373 | $229 |
| Driving without lights | $1373 | $233 |
| Texting while driving | $1373 | $229 |
| Driving too slowly | $1379 | $234 |
| Speeding 11 - 15 MPH over limit | $1379 | $230 |
| Speeding 16 - 20 MPH over limit | $1379 | $234 |
| Speeding 6 - 10 MPH over limit | $1379 | $230 |
| Speeding in school zone | $1379 | $234 |
| Child safety restraint | $1385 | $231 |
| Failure to wear a seat belt | $1385 | $235 |
| In 65 MPH zone | $1390 | $232 |
| Failure to stop at a red light | $1396 | $238 |
| Failure to yield | $1396 | $233 |
| Following too closely | $1396 | $238 |
| Illegal turn | $1396 | $233 |
| Improper passing | $1396 | $238 |
| Speeding 21 - 25 MPH over limit | $1396 | $233 |
| Passing school bus | $1402 | $239 |
| Wrong way/wrong lane | $1402 | $233 |
| Operating a vehicle without permission | $1407 | $240 |
| At-fault accident - less than $1000 | $1463 | $243 |
| Open container | $1647 | $280 |
| Driving with a suspended license | $1709 | $285 |
| Racing | $1810 | $307 |
| Reckless driving | $1810 | $302 |
| Leaving scene of an accident/hit and run | $1854 | $315 |
| At-fault accident - $1000-$2000 | $1859 | $310 |
| Refusal to submit to a chemical test | $1915 | $325 |
| DUI | $1943 | $324 |
| At-fault accident - greater than $2000 | $2021 | $344 |
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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.
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 National General at $419 for a six-month policy. However, it can be as expensive as $2909 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| National General | $419 | $71 |
| Mercury | $480 | $80 |
| Foremost | $541 | $92 |
| Dairyland | $592 | $99 |
| AAA Texas | $625 | $106 |
| State Farm | $782 | $132 |
| Texas Farm Bureau | $927 | $158 |
| Progressive | $1172 | $197 |
| USAA | $1200 | $202 |
| Allstate | $1530 | $258 |
| Nationwide | $1580 | $269 |
| Farmers | $2909 | $485 |
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 National General at $408. However, it can be as expensive as $3166 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| National General | $408 | $70 |
| State Farm | $435 | $73 |
| Texas Farm Bureau | $480 | $80 |
| Mercury | $497 | $85 |
| AAA Texas | $530 | $88 |
| USAA | $698 | $118 |
| Allstate | $944 | $157 |
| Progressive | $1625 | $276 |
| Farmers | $3166 | $527 |
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 $192 in August compared to $163 of July. In other words, there has been an increase by $29 when you compare August and July.
The average cost of liability insurance in the Albany rose to $55 in August, compared to $53 in July. This represents an increase of $2 when comparing August and July.
How much is car insurance in Albany?
The car insurance in Albany is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Albany?
The cheapest car insurance in Albany is $105 per month for full coverage.
How much is car insurance in Albany for teenagers?
Car insurance for teenagers costs $307 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 $1133 for a six-month policy. It will cost around $180 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, TX?
The best car insurance company in Albany TX is Texas Farm Bureau, offering $625 for a six-month policy.
Cut auto insurance costs in Albany right now.