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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In Albany, GA, car insurance rates among the top 4 companies differ by up to $3,547

Zimlon’s study of car insurance companies in Albany, Georgia, shows that for 28-year-old married male drivers with one speeding ticket in 30 months, premium rates deviate by up $3,547 from the median. Zimlon referred to the 2016 NAIC report to identify the top 4 car insurance companies by market share. They are State Farm Fire and Casualty, Allstate Property & Casualty, Progressive Premier Insurance and Nationwide Property, and Casualty Insurance. Information about the car insurance premiums was obtained from the Office of Insurance and Safety Fire Commissioner, Georgia.

Car insurance rates are significantly influenced by factors such as the car model, coverage values, and daily and annual mileage. The vehicle chosen for this survey is a 2012 Toyota Camry, six-cylinder, four-door sedan. The property damage limit per accident and the bodily injury coverage limit per accident are $25,000 and $50,000, respectively. The uninsured motorist coverage per person is $25,000. The drivers analyzed traveled about 12 miles to over 15 miles, daily. The annual mileage is between 12,000 miles and 15,000 miles. The comprehensive and collision deductibles chosen are $500 and $1,000, respectively. The medical payment coverage per accident is $2,000.

The following table shows the eight types of driver segments analyzed, the median premium rate for each segment, and the premiums charged by the top 4 companies in Albany, Georgia. The boxes in light red represent the difference between the premium and the median price, for premiums priced higher than the median. The boxes in light green represent the same, for prices that are lower than the median.

Cohort Median Rate State Farm Fire And Casualty Company Allstate Property & Casualty Insurance Company Progressive Premier Insurance Company Of Illinois Nationwide Property And Casualty Insurance Company
19-year-old single female drivers $1889 $1671 $340 $74 $612
19-year-old single female drivers with one speeding ticket in 12 months $1556 $1141 $48 $125 $384
19-year-old single male drivers $1318 $1653 $124 $73 $596
28-year-old married male drivers with one speeding ticket in 30 months $1200 $3547 $533 $67 $355
30-year-old married female drivers with one speeding ticket in 12 months $881 $1048 $257 $184 $558
35-year-old married women with 17-year-old single male drivers $1693 $1711 $51 $179 $148
40-year-old married male drivers $580 $459 $242 $30 $53
65-year-old retired married drivers $567 $207 $226 $40 $77

In all eight driver cohorts analyzed, State Farm Fire and Casualty offers higher-than-median insurance premiums. For the cohort of 28-year-old married male drivers, it offers a price with the greatest difference from the median at $3,547. For 65-year-old retired married drivers, it offers a price with the least difference from the median at $207.

Allstate Property & Casualty Insuranceoffers insurance rates that are higher than the median in 6 out of 8 cohorts. For 19-year-old single female drivers, it offers the most profitable rate, at $340 less than the median. 28-year-old married males with one speeding ticket in 30 months are offered the most expensive premium, at $533 more than the median.

The cohort of 30-year-old married female drivers is offered the most expensive premium by Progressive Premier Insurance Company of Illinois, at $184 more than the median. This company offers the cheapest premium to the cohort of 19-year-old single female drivers at $74 less than the median.

In seven out of eight driver cohorts Nationwide Property and Casualty Insurance offers higher-than-median premiums. For 19-year-old single female drivers, the premium offered is the most expensive, at $612 more than the median. For 35-year-old married women with 17-year-old single male drivers, the premium is lowest at $148 less than the median.

The following chart compares the car insurance premium rates of the top four companies in Albany, Georgia.

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The Cost of Insuring Your Car in Albany, GA, is $1,516

According to the U.S. Census Bureau, Albany has a population of around 305,506. The average cost of auto insurance here is $1,516. This is lower than the cost of auto insurance in neighboring places such as Sasser, West Dougherty, Putney, Dougherty County, and Leesburg.

Moreover, car owners can save more on auto insurance by comparing multiple auto insurance quotes. The cost of insurance can also vary from one neighborhood to another, depending on factors such as the rate of auto thefts in that area and the make and model of the vehicle. Below is a list of factors that affect the cost of auto insurance in Albany.

the_cost_of_insuring_your_car_in_albany_ga

Credit Score:

Possessing a healthy credit score is an added advantage when it comes to purchasing auto insurance. The cost of auto insurance for car owners who have an “exceptional” credit score is as low as $1,301, while car owners with an “average” or a “poor” credit score have to pay $2,061 and $2,473 on an average, respectively. 

Deductibles:

Deductibles are one of the most common factors affecting the cost of auto insurance in Albany, GA. A higher deductible leads to a decrease in the cost of auto insurance and vice-versa. On a low deductible of $500, the cost of auto insurance can increase to $2,755. Whereas, for a higher deductible of $1,000 the cost of auto insurance can decrease to $2,327. 

Age:

Age is another common factor that affects the cost of auto insurance in Albany. Auto insurance is the most expensive for teenagers. This trend is similar in most parts of the country. The cost of auto insurance tends to decrease with an increase in the driving experience. Teenagers are largely considered to be inexperienced. The average cost of auto insurance for a teenager in Albany is $4,919. Auto insurance is cheapest for drivers who are in their 50s and 60s. The average cost of insurance for the former is $1,337, while the latter pays only $1,355. 

It is clear that the cost of auto insurance is dependent on several factors. Insurance companies offer numerous discounts depending on one’s driving record and customer loyalty to the company. 

Auto Insurance Rates in Albany, GA

The average cost of car insurance in Albany, GA is $1516.  Auto Insurance quotes vary widely based on individual rating factors which are explored more thoroughly by Zimlon below. The cheapest type of auto insurance that a person can have varies depending on their age and location when purchasing it as well as other various different requirements set forth by state law or any company they may be buying from with a range of rates.

Check out the factors and related discounts available in Albany in detail given below.

Multi Car Insurance Rates 

Car owners in Albany can save money on insurance by bundling coverage from the same provider. Bundled rates are lower because one company is handling your policies and claims instead of multiple companies.The average savings one can get are as follows.

Savings on multi car Insurance

auto_insurance_rates_in_albany_ga

Based on age age of the driver

The insurance rates for teenagers and young drivers are inflated because they are seen as more irresponsible behind the wheel. In Albany, teens pay a higher average of $4919 in auto insurance costs than older adults aged 30-40 years old who only spend an average of $1500 and $1444 respectively. Albany car owners can get cheaper insurance rates by comparing age of driver-based policies and taking advantage of discounts like good student/driver discount or defensive driving.

Based on credit score

Car insurance can be cheaper for car owners who have excellent credit scores and clean driving records. Zimlon's research found that in Albany if you are an "excellent" driver with a score of 800 and more, your average annual premium is $1301  but when you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, then your premiums will shoot up by 100%. In other words, car owners with good credit scores pay less than the average insurance cost whereas car owners with poor credit scores pay upto $2473  as their premium in Albany.

Based on security features 

Cars that are equipped with safety devices not only protect the vehicle and  passengers but can also save money. Car insurance companies in Albany provide discounts to guardians of the road who install as many protective measures on their vehicles. The cost savings vary depending on which type or number of protective features have been installed. Zimlon’s research found that car owners in Albany can reduce their auto insurance costs to $1410 by installing passive disabling devices. Installing features like an audible alarm or an active disabling device can also reduce the insurance costs to $1455 in Albany. Average Insurance cost for cars with active  tracking devices is $1425 . 

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.