Albany Auto Insurance Rates, Quotes, Agents & Reviews in GA

Albany, GA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Albany, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Albany, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Albany, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Albany, GA with that of other cities in and around Albany.

Albany Sasser West Dougherty Putney Dougherty County Leesburg
Average Insurance Rates $1,516 $1,619 $1,606 $1,575 $1,589 $1,666

Albany, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Albany, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Albany $2,755 $2,327
Dougherty County $1,411 $1,192
East Dougherty $2,102 $1,776
West Dougherty $2,058 $1,738
Putney $1,412 $1,193
Leesburg $1,032 $872
Sasser $1,494 $1,262
Baconton $1,440 $1,216

Albany, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Albany, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,919
20 Years $1,948
30 Years $1,500
40 Years $1,444
50 Years $1,337
60 Years $1,355
70 Years $1,578

Albany, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Albany, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,638 $394
3 Vehicles $3,957 $591
4 Vehicles $5,276 $788

Savings on 2 Vehicles bundle:$394

Savings on 3 Vehicles bundle:$591

Savings on 4 Vehicles bundle:$788


Albany, GA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Albany, GA.

Location Average Insurance Cost Post DUI Insurance Rate
Albany $1,516 $2,771
Dougherty County $1,589 $2,905
East Dougherty $1,560 $2,852
West Dougherty $1,606 $2,936
Putney $1,575 $2,879
Leesburg $1,666 $3,046
Sasser $1,619 $2,960
Baconton $1,561 $2,854

Albany, GA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,301
Excellent (740-799) $1,485
Good (670-739) $1,580
Average (580-669) $2,061
Poor (300-579) $2,473

Albany, GA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Bobby Underwood State Farm 307 Grand Island Dr Ste 1, Albany, 31707-1298 229-436-3946
Copelan Insurance Agency Inc Travelers 2401 N SLAPPEY BLVD, ALBANY, 31701 229-436-7736
Reid Mathis Allstate 1111 Whispering Pines Rd, Albany, 31707 (229) 439-0473
Henry Harris Allstate 723 N Slappey Blvd Ste B, Albany, 31701 (229) 436-7124
L. Brown Agency None 2709 Gillionville Rd, Albany, 31721 None
Jerome Hubbard Sr State Farm 431 Pine Ave, Albany, 31701-2534 229-883-4810
J W Cooper Clu State Farm 2734 Ledo Road, Albany, 31707 229-432-9134
J Smith Lanier & Co Of Birmingham Travelers 611 POINT NORTH BLVD, ALBANY, 31721 229-883-2424
Ginger Starlin State Farm 1558 E Forsyth St Ste A, Americus, 31709-3836 229-924-9057
Turners Insurance Liberty Mutual Independent 201 MIKE WILL RD, ELLAVILLE, 31806 (229) 937-9150

Albany, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$67 $1,583
Driver's Failure In Showing Documents +$147 $1,663
Driving With An Expired Registration +$156 $1,672
Driving At A Considerably Slow Pace +$329 $1,845
Using A Cellphone While Driving +$347 $1,863
Running A Red Light +$353 $1,869
Speeding +$371 $1,887
Driving A Vehicle Without The Required Permission +$471 $1,987
Driving With An Expired/Suspended License +$1,022 $2,538

Albany, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,455
Active Disabling Device $1,455
Tracking Device $1,425
Passive Disabling Device $1,410

Latest Auto Insurance Reviews in Albany, GA | Back to Top

Geico
The deductible is on the high side in my experience with other companies,I am satisfied with this as I have full coverage so I have peace of mind and I also have experience such great customer service.
Geico
I have had a positive customer service experience with this insurance company.Quality services and prompt help.
Geico
My premium and deductible are hundreds cheaper than most I know. I know some people paying almost 400 more biannual than we do. No plans of changing in the future!
Allstate
Their policies vary but there are a variety, not much but it is there.
Allstate
I honestly can't say, I have my auto insurance through my parents. My parents exclusively deal with customer service and claims.
Farmer's Insurance
It is very attracted rate of policy and gave more interest and many years of safety.
Esurance
My deductible and cost is great. I feel like my prices and fees are pretty low. My insurance has never gone up, even when I got into an accident. I am very satisfied.
Esurance
My deductible and cost is great. I feel like my prices and fees are pretty low. My insurance has never gone up, even when I got into an accident. I am very satisfied.
Geico
the premium is great and affordable compared to a lot on insurance companies trust me on that.
Geico
About the only thing I don't like about Geico is that they only offer auto insurance. They will provide homeowners but it is actually with a different company and not Geico. I would like to see Geico expand its own coverage to include more beyond auto insurance.
Geico
I really like the customer support of Geico, They send me emails to notify me about my policy and to get coverage it only took me 10 minutes of my time or less.
Nationwide
I feel that the company where I have my policy is actually fairly good with regard to policy offerings. They not only cover the state required amounts, but also way above that.
Geico
Geico is all online as far as I know. This is fine with me. I haven't had any claims with them yet so I don't know if all online would be a problem then but right now it works out fine for me.
Mercury
There is nothing I dislike about Mercury. It is the best auto insurance company I've ever dealt with. I wish I had been able to obtain Mercury insurance on my previous cars.