Cheapest Car Insurance Quotes in Albany

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Albany Car Insurance

^$ 20

/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 $663 for a six-month policy, which is $14 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $273, 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

$663

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Albany

1st place: AAA

At $273 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $408 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $448 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, WI is AAA, offering policies at just $273 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $408.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $745 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, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$273	$46
West Bend Mutual	$408	$68
IMT Insurance Company	$448	$76
Auto-Owners Insurance Co	$454	$75
Chubb	$466	$79
Acuity	$501	$84
American Family	$507	$85
Travelers	$518	$87
Erie	$606	$102
USAA	$705	$119
Rockford Mutual	$739	$125
Nationwide	$798	$134
Rural Mutual	$821	$139
State Farm	$821	$138
Progressive	$960	$162
Farmers	$1024	$171
Allstate	$1188	$200
Secura	$629	$105
Hastings Mutual	$745	$126

Key Takeaways

Way's key takeaways about car insurance in Albany

The auto insurance costs in Albany fall around $273 for six months.
The cheapest auto insurance company in Albany is AAA.
Teen drivers pay the highest rate in Albany at $626 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.

AAA provides the cheapest minimum car insurance coverage in Albany. Their Average 6 Month Premium is $117. Secura is the most expensive at $157 for the same period.

Cheapest Liability Coverage in Albany, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$117	$20
Rural Mutual	$128	$22
Western National	$140	$24
Erie	$157	$26
USAA	$169	$28
West Bend Mutual	$174	$29
Auto-Owners Insurance Co	$180	$30
Acuity	$186	$31
American Family	$192	$32
Travelers	$192	$32
Progressive	$198	$33
Chubb	$204	$34
State Farm	$221	$37
Farmers	$343	$59
Allstate	$454	$76
Secura	$157	$26

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 AAA at $46 per month and $273 for six months.

Cheapest Full Coverage Car Insurance Quotes in Albany, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$273	$46
West Bend Mutual	$408	$68
IMT Insurance Company	$448	$76
Auto-Owners Insurance Co	$454	$75
Chubb	$466	$79
Acuity	$501	$84
American Family	$507	$85
Travelers	$518	$87
Erie	$606	$102
USAA	$705	$119
Rockford Mutual	$739	$125
Nationwide	$798	$134
Rural Mutual	$821	$139
State Farm	$821	$138
Progressive	$960	$162
Farmers	$1024	$171
Allstate	$1188	$200
Secura	$629	$105
Hastings Mutual	$745	$126

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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, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Albany, Wisconsin, may be increasing due to several external factors. Wisconsin 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	$469
30s	USAA	$377
40s	USAA	$342
50s	USAA	$324
60s	USAA	$338
70s	USAA	$417

Cheapest Car Insurance Rates for Teen Drivers in Albany,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Albany at $32 per month. At $3754 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$192	$32
Travelers	$198	$33
Auto-Owners Insurance Co	$227	$38
Western National	$227	$38
West Bend Mutual	$256	$43
USAA	$844	$142
Erie	$867	$146
American Family	$1048	$176
Acuity	$1595	$269
State Farm	$1839	$310
Progressive	$2655	$447
Allstate	$3499	$589
Farmers	$3754	$626

Teen Car Insurance Rates in WI 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 $469 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, Western National is the cheapest car insurance provider. At $146 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 $1804 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$146	$25
AAA	$163	$27
West Bend Mutual	$210	$35
Chubb	$233	$39
IMT Insurance Company	$233	$39
Travelers	$273	$46
Acuity	$576	$97
American Family	$663	$112
State Farm	$711	$119
Erie	$768	$129
Progressive	$897	$151
Allstate	$1804	$307

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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, WI, 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 Western National and Rural Mutual, offering $146 and $169, respectively. Allstate is an expensive provider with an average six-month premium of $1770.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$146	$25
Rural Mutual	$169	$28
Auto-Owners Insurance Co	$221	$37
AAA	$227	$38
Chubb	$233	$39
Travelers	$233	$39
West Bend	$244	$41
West Bend Mutual	$291	$50
Auto-Owners	$303	$50
Erie	$466	$78
USAA	$466	$78
American Family	$705	$119
Acuity	$739	$124
State Farm	$745	$125
Farmers	$1408	$235
Progressive	$1566	$264
Allstate	$1770	$298

Albany Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Albany WI. For example, the car insurance in Albany after a DUI increases to $774 for a six month policy. While the rate increases by $170 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	$832	$139
One Med/PIP claim	$838	$142
Not-at-fault accident	$873	$146
One comp claim	$885	$151
Two Med/PIP claims	$897	$149
Failure to show documents	$908	$155
Driving with expired registration	$931	$155
Failure to wear a seat belt	$937	$160
Two comp claims	$955	$159
Driving without lights	$990	$169
Child safety restraint	$996	$166
Speeding 6 - 10 MPH over limit	$1002	$171
At-fault accident - less than $1000	$1013	$169
Cell phone violation	$1019	$173
Driving too slowly	$1024	$171
Failure to yield	$1024	$174
Speeding in school zone	$1024	$171
Illegal turn	$1030	$175
Speeding 11 - 15 MPH over limit	$1030	$172
Speeding 16 - 20 MPH over limit	$1030	$175
Texting while driving	$1030	$172
Wrong way/wrong lane	$1030	$175
Failure to stop at a red light	$1042	$173
Following too closely	$1042	$177
Improper passing	$1071	$178
Passing school bus	$1089	$185
In 65 MPH zone	$1147	$191
At-fault accident - $1000-$2000	$1194	$203
Speeding 21 - 25 MPH over limit	$1194	$199
Operating a vehicle without permission	$1200	$204
At-fault accident - greater than $2000	$1205	$201
Open container	$1216	$207
Reckless driving	$1572	$262
Racing	$1578	$269
Refusal to submit to a chemical test	$1590	$265
Driving with a suspended license	$1595	$271
Leaving scene of an accident/hit and run	$1601	$267
DUI	$1606	$273

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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 Western National at $146 for a six-month policy. However, it can be as expensive as $1414 with companies like Allstate.

Albany car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$146	$25
Chubb	$233	$39
Travelers	$273	$46
West Bend	$326	$54
Kemper	$332	$57
USAA	$612	$103
Erie	$634	$107
American Family	$722	$122
Progressive	$867	$146
State Farm	$931	$157
Farmers	$1356	$230
Acuity	$1368	$228
Allstate	$1414	$238

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 Western National at $146. However, it can be as expensive as $1315 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
Western National	$146	$25
AAA	$186	$31
Auto-Owners Insurance Co	$204	$34
Travelers	$227	$38
Chubb	$233	$39
West Bend Mutual	$268	$45
Erie	$414	$70
State Farm	$483	$81
American Family	$489	$82
Acuity	$582	$98
Progressive	$768	$129
Allstate	$1315	$223

Car Insurance Price Trends in Albany, Wisconsin

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 $123 in December compared to $120 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Albany rose to $33 in December, compared to $31 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Albany?

The car insurance in Albany is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Albany?

The cheapest car insurance in Albany is $46 per month for full coverage.

How much is car insurance in Albany for teenagers?

Car insurance for teenagers costs $192 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 $677 for a six-month policy. It will cost around $112 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 Wisconsin

National Average

Cheapest Car Insurance Companies in Albany

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Albany Car Insurance Rates by Company

Cheap Car Insurance Companies in Albany, WI

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, WI

Cheapest Full Coverage Car Insurance in Albany

Cheapest Full Coverage Car Insurance Quotes in Albany, WI

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, WI 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,WI

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, Wisconsin

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, WI

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

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Data Sources