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.
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.
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.
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.
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 Rates
- Albany, GA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Albany, GA
- Multi Vehicle Insurance Savings in Albany, GA
- How Credit Score Affects Car Insurance Rates in Albany, GA
- How DUI Affects Auto Insurance Premiums in Albany, GA
- Top Auto Insurance Agents Near Albany, GA
- How Driving Violations Affect Auto Insurance Rates in Albany, GA
- Albany, GA Auto Insurance Discounts on Anti Theft Feature
- Albany, GA Auto Insurance Company Reviews
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
GeicoThe 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.
GeicoI have had a positive customer service experience with this insurance company.Quality services and prompt help.
GeicoMy 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!
AllstateTheir policies vary but there are a variety, not much but it is there.
AllstateI honestly can't say, I have my auto insurance through my parents. My parents exclusively deal with customer service and claims.
Farmer's InsuranceIt is very attracted rate of policy and gave more interest and many years of safety.
EsuranceMy 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.
EsuranceMy 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.
Geicothe premium is great and affordable compared to a lot on insurance companies trust me on that.
GeicoAbout 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.
GeicoI 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.
NationwideI 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.
GeicoGeico 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.
MercuryThere 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.