We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Albany shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 $651 for a six-month policy, which is $6 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $378, 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.
At $378 for a six
month policy, Union Mutual offers
the cheapest
auto
insurance rates in the city.
2nd place: CoOp
CoOp offers auto
insurance rates at $498 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $498
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, VT is Union Mutual, offering policies at just $378 for a six-month term. This is followed by CoOp, which has an average six-month premium of $498.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1086 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.
The auto insurance costs in Albany fall around $378 for six
months.
The cheapest auto insurance company in Albany is Union Mutual.
Teen drivers pay the highest rate in Albany at $425 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
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.
Union Mutual provides
the cheapest minimum car insurance
coverage in Albany. Their Average 6 Month Premium is $84.
Nationwide is the most
expensive at $324 for the same
period.
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 Union Mutual
at $63 per month and $378
for six months.
Cheapest Full Coverage Car Insurance Quotes in Albany,
VT
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, VT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Albany, Vermont, may be increasing due to several external factors.
Vermont 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
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Albany,VT
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Albany at $28
per
month. At $2526 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Albany.
As young drivers face the highest rates in Albany, N/A
offers the cheapest auto insurance rates at $N/A 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,
Concord Group is
the cheapest car insurance provider. At $240 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 $1967 for six
months.
Save up to $971/yr on car insurance rates in Albany.
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, VT,
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 Union Mutual
and American Family, offering $84
and $162,
respectively. Concord is an expensive provider
with an average six-month premium of
$1302.
Here is a list of driving violations that can increase your car
insurance rates in Albany VT. For example, the car
insurance in Albany
after a DUI increases to $715 for a six
month policy. While the rate increases by $91 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
$653
$109
One comp claim
$653
$111
One Med/PIP claim
$653
$109
Two Med/PIP claims
$660
$112
Not-at-fault accident
$666
$111
Two comp claims
$678
$115
At-fault accident - less than $1000
$702
$117
Child safety restraint
$714
$121
Driving without lights
$714
$119
Failure to wear a seat belt
$714
$121
Failure to show documents
$720
$120
Driving with expired registration
$738
$125
Speeding 11 - 15 MPH over limit
$744
$124
Speeding 16 - 20 MPH over limit
$744
$126
Speeding 6 - 10 MPH over limit
$744
$124
Driving too slowly
$750
$127
Speeding in school zone
$750
$125
Wrong way/wrong lane
$750
$127
Failure to stop at a red light
$755
$126
Failure to yield
$755
$128
Following too closely
$755
$126
Illegal turn
$755
$128
Improper passing
$762
$127
Speeding 21 - 25 MPH over limit
$762
$129
Cell phone violation
$816
$136
Texting while driving
$816
$138
In 65 MPH zone
$834
$139
At-fault accident - $1000-$2000
$857
$145
Passing school bus
$857
$143
At-fault accident - greater than $2000
$894
$152
Open container
$912
$152
Operating a vehicle without permission
$972
$166
Racing
$1151
$192
Reckless driving
$1151
$196
Driving with a suspended license
$1308
$218
Refusal to submit to a chemical test
$1355
$230
DUI
$1368
$228
Leaving scene of an accident/hit and run
$1392
$236
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 $234 for a six-month policy.
However, it can be as
expensive as $2118 with companies
like Vermont Mutual.
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 American Family
at $168. However,
it can be as expensive as $1470
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Albany after Speeding ticket
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 remained steady at $141 in both February and January, indicating no change over the two month period.
The average cost of liability insurance in the Albany remained steady at $31 in both February and January, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Albany. At $1302 for a
six-month policy, insuring
your car at 5820 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Albany?
The car insurance in Albany is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Albany?
The cheapest car insurance in Albany
is $63 per month
for full coverage.
How much is car insurance in Albany for teenagers?
Car insurance for teenagers costs $168 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 $645 for a six-month
policy. It will cost around $109 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,
VT?
The best car insurance company in Albany
VT is
Union Mutual, offering $378 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Albany right now.
Find Car Insurance Rates in Cities Near Albany, VT
Car Insurance Rates by State in the USA (2025 Update)
Albany Car Insurance
