Albany, NY Auto Insurance Rates
Albany, NY residents can save $400 by comparing multiple quotes & reading reviews & research on Albany car insurance rates, quotes, agents & coverage.
| Lowest | Average | Highest |
|---|---|---|
| $679 | $1007 | $1629 |
Latest Auto Insurance Reviews in Albany, New York
Usaa
I carry full coverage so I believe my deductible is about the same as other auto insurance companies offer. I chose to keep it at $500.
I carry full coverage so I believe my deductible is about the same as other auto insurance companies offer. I chose to keep it at $500.
Farmer's Insurance
Progressive was going to be 10$ more a month, but a 2000$ deductable. Farmer's Insurance is only 1000$ and 10$ less a month that included towing and rental.
Progressive was going to be 10$ more a month, but a 2000$ deductable. Farmer's Insurance is only 1000$ and 10$ less a month that included towing and rental.
Allstate
Allstate only insures the highest-rated drivers.Having said that, I did due diligence in price comparing multiple other companies before deciding on Metropolitan Casualty.
Allstate only insures the highest-rated drivers.Having said that, I did due diligence in price comparing multiple other companies before deciding on Metropolitan Casualty.
Progressive
I love the offerings, especially as there are different levels of appreciation, such as that I'm Emerald Level. Gives accident forgiveness, better policy rates, and other perks.
I love the offerings, especially as there are different levels of appreciation, such as that I'm Emerald Level. Gives accident forgiveness, better policy rates, and other perks.
Geico
I use the online service to sign up or change anything needed and its very easy to use we are able to print paper work and anything needed from the website.
I use the online service to sign up or change anything needed and its very easy to use we are able to print paper work and anything needed from the website.
Progressive
I switched my auto insurance from Pioneer to Progressive. I was happy with the agent that represented Pioneer but I switched to Progressive who had better rates and also had excellent customer service.
I switched my auto insurance from Pioneer to Progressive. I was happy with the agent that represented Pioneer but I switched to Progressive who had better rates and also had excellent customer service.
Progressive
Not all insurance companies allow you to bundle your policies and reduce cost at the same time therefore this is a feature that i appreciate from Progressive.
Not all insurance companies allow you to bundle your policies and reduce cost at the same time therefore this is a feature that i appreciate from Progressive.
Esurance
it is great and customer service is awesome. Although they are an online company they respond fast.
it is great and customer service is awesome. Although they are an online company they respond fast.
Geico
I think they are a great insurer, but I don't think that they necessarily are the best one, as a lot of people cannot get insured through them.
I think they are a great insurer, but I don't think that they necessarily are the best one, as a lot of people cannot get insured through them.
Geico
I think they are a great insurer, but I don't think that they necessarily are the best one, as a lot of people cannot get insured through them.
I think they are a great insurer, but I don't think that they necessarily are the best one, as a lot of people cannot get insured through them.
Geico
Geico's appeal lies in their lower costs. But the downside of this -- the poor service and the generally aloof customer service branch -- almost nullifies the benefit of the lower cost. Almost -- but not quite; i still have no plans on switching insurers.
Geico's appeal lies in their lower costs. But the downside of this -- the poor service and the generally aloof customer service branch -- almost nullifies the benefit of the lower cost. Almost -- but not quite; i still have no plans on switching insurers.
Progressive
There is two reasons that I like progressive auto insurance. One, they have a very good rate when combined with my home insurance, and two, they give loyalty rate cuts for years and for good driving records. I would consider myself a 1 (completely satisfied) with my coverage.
There is two reasons that I like progressive auto insurance. One, they have a very good rate when combined with my home insurance, and two, they give loyalty rate cuts for years and for good driving records. I would consider myself a 1 (completely satisfied) with my coverage.
Travelers
I LIKE THE INTERACTION I HAVE GOTTEN FROM MY INSURANCE COMPANY. THE FEW TIMES I HAVE HAD TO INTERACT WITH THEM THEY WERE RESPONSIVE AND ATTENTIVE.
I LIKE THE INTERACTION I HAVE GOTTEN FROM MY INSURANCE COMPANY. THE FEW TIMES I HAVE HAD TO INTERACT WITH THEM THEY WERE RESPONSIVE AND ATTENTIVE.
Geico
I like the fact that when I am in need of help regarding my online payments or any other questions, I can chat with them or call. I mostly prefer chatting, since I have two kids and its impossible to hear the other person on the line. I have been fortunate enough to get someone almost immediately.
I like the fact that when I am in need of help regarding my online payments or any other questions, I can chat with them or call. I mostly prefer chatting, since I have two kids and its impossible to hear the other person on the line. I have been fortunate enough to get someone almost immediately.
Allstate
could be cheaper but then again so could every other company that's out there, so I don't really have too much to say
could be cheaper but then again so could every other company that's out there, so I don't really have too much to say
21st Century Insurance, Albany, NY
$119/1 month
Car Insurance Policy Holder
- Single 18 Years old Female licensed 2 years ago with Own Ford Explorer XLT used for Business with estimated annual mileage of 20,001+.
- vocational education & Part Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $50K (Per Person Bodily Injury) / $100K (Per Accident Bodily Injury)
- 10 K Property Damage
- 100 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Allstate Auto Insurance, Albany, NY
$104/1 month
Car Insurance Policy Holder
- Single 26 Years old Male licensed 9 years ago with Own Suzuki Grand Vitara Limited used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
- Lawyer & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 25 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Allstate Auto Insurance, Albany, NY
$65/1 month
Car Insurance Policy Holder
- Divorced 26 Years old Female licensed 7 years ago with Leased Cadillac, Escalade EXT, 4 Door Utility Ethanol used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
- High School & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 10 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Liberty Mutual, Albany, NY
$686/12 months
Car Insurance Policy Holder
- Single 38 Years old Female licensed 6 years ago with Own Kia, Sportage LX, 4WD 4 Door Utility used for Commute to Work or School with estimated annual mileage of 20,001+.
- PhD & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 20 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Erie Insurance Group, Albany, NY
$1557/12 months
Car Insurance Policy Holder
- Married 23 Years old Male licensed 6 years ago with Leased Toyota, 4Runner Limited, 2WD 4 Door Utility used for Business with estimated annual mileage of 12,001 - 15,000.
- Less than High School & Freelancer.
- No accidents , Issued traffic ticket previously , No DUIs , Licence suspended previously.
Car Insurance Policy & Coverage Details:
- 2 cars insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 20 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Allstate Auto Insurance, Albany, NY
$828/12 months
Car Insurance Policy Holder
- Divorced 58 Years old Female licensed 17 years ago with Financed Toyota, Corolla L, 4 Door Sedan used for Business with estimated annual mileage of 7,501 - 9,000.
- Lawyer & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 10 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
State Farm Auto Insurance, Albany, NY
$583/12 months
Car Insurance Policy Holder
- Single 59 Years old Female licensed 41 years ago with Financed Toyota, Corolla LE, 4 Door Sedan used for Commute to Work or School with estimated annual mileage of 20,001+.
- Vocational & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $50K (Per Person Bodily Injury) / $100K (Per Accident Bodily Injury)
- 10 K Property Damage
- 100 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
State Farm Auto Insurance, Albany, NY
$1317/12 months
Car Insurance Policy Holder
- Single 21 Years old Male licensed 3 years ago with Own Lexus, RX 450h, 4 Door Utility AWD Hybrid used for Business with estimated annual mileage of 20,001+.
- High School & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 20 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Albany Car Insurance Rate Comparisons
Albany, NY's average car insurance of $1007 differs from Green Island, NY (+$813), Voorheesville, NY (+$643), East Greenbush, NY (+$803) and New York (+$362)
| Albany | Green Island, NY | Voorheesville, NY | East Greenbush, NY | New York | |
| Median Insurance Rates | $1007 | +$813 | +$643 | +$803 | +$362 |
Albany Car Insurance Savings By Neighborhood & Street Area
| Albany Driver Street Residence & Car Locations | Car Details in Albany | Albany Driver Demographics | Albany Auto Insurance Estimates | Recent Albany Insurance Savings |
|---|---|---|---|---|
| Karlsfeld | ||||
| Talmedge Pl | 2002 Buick Century Limited | 16 year male teenager | $1920 | $842 |
| Krumkill Ct E | 2008 Ford Fusion I4 SE | 72 year male senior | $1134 | $775 |
| Normansville | ||||
| Hollywood Ave | 2007 Cadillac DTS | 18 year female teenager | $2193 | $691 |
| Ramsey Pl | 2006 Mazda MAZDA3 s | 70 year senior | $1044 | $527 |
| North Bethlehem | ||||
| Briar Ave | 2008 Chrysler 300 Touring | 45 year married woman | $833 | $883 |
| Kent St | 2007 Jeep Commander Sport | 29 year woman | $796 | $791 |
| West Albany | ||||
| Manning Blvd | 2005 GMC Yukon XL 1500 SLT | 26 year married man | $1262 | $968 |
| Manning Blvd | 2013 Hyundai Sonata GLS | 16 year teenager | $1978 | $988 |
| McKownville | ||||
| Washington Ave Exn | 2014 Volkswagen Jetta S | 81 year female senior | $999 | $551 |
| Washington Ave Exn | 2013 Dodge Journey SXT | 23 year man | $1348 | $902 |
Albany Post DUI Car Insurance Rates
| Albany | Castleton-on-Hudson | Colonie | Guilderland | New York | |
| Median Post DUI Insurance Rate | $1873 | +$1568 | +$3 | +$1084 | +$673 |
| Male Teenager Post DUI Insurance Rate | $3950 | +$3309 | +$8 | +$2288 | +$1421 |
| Female Teenager Post DUI Insurance Rate | $3669 | +$3075 | +$8 | +$2126 | +$1321 |
The Post DUI insurance in Albany, NY's is $1873 compared to Castleton-on-Hudson (+$1568), Colonie (+$3), Guilderland (+$1084) and New York (+$673)
In Albany, a male teenager with Post DUI pays $281 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2007 Cadillac DTS in Albany, NY would pay $4391 on auto insurance while a female teenager POST DUI would pay $4078.
Albany Car Insurance by Segment
Albany Teenagers Car Insurance Rates Comparison
10009 Albany Teenagers (10% of total population), 48% Male & 52% Female.
| Albany | Wynantskill | East Greenbush | Schodack | New York | |
| All Teenagers | $2054 | +$1801 | +$1638 | +$1434 | +$738 |
| Male Teenager | $2124 | +$1863 | +$1695 | +$1484 | +$764 |
| Female Teenager | $1973 | +$1731 | +$1574 | +$1378 | +$710 |
Albany teenagers pay $2054 in insurance in contrast with Wynantskill (+$1801), East Greenbush (+$1638), Schodack (+$1434) and New York (+$738). The difference between Male & Female teenagers in Albany is $151
Example
- 2011 Lincoln MKZ Base Male Teenager Insurance Rate $2188
- 2011 Acura TSX Female Teenager Insurance Rate $2012
Albany Men & Women Car Insurance
97892 Albany Adults (100% of total population), 48% Men & 52% Women.
| Albany | Watervliet | Bethlehem | Menands | New York | |
| All Women | $936 | +$2 | +$440 | +$598 | +$337 |
| Married Women | $906 | +$2 | +$426 | +$579 | +$326 |
| All Men | $1399 | +$3 | +$658 | +$894 | +$503 |
| Married Men | $1349 | +$3 | +$634 | +$862 | +$485 |
The typical insurance rate of $1399 that Albany Men pay varies from Watervliet (+$3), Bethlehem (+$658), Menands (+$894) and New York (+$503). In Albany, married men pay $443 more than married women.
Example
- 2014 Kia Sorento LX Married Men Insurance Rate $1286
- 2013 Toyota Prius Married Women Insurance Rate $1220
Albany Senior Car Insurance
16103 Albany Seniors (16% of total population), 40% Senior Men & 60% Senior Women.
| Albany | Menands | Watervliet | Hampton Manor | New York | |
| All Seniors | $1137 | +$727 | +$3 | +$964 | +$409 |
| Senior Men | $1208 | +$772 | +$2 | +$1024 | +$434 |
| Senior Women | $1047 | +$669 | +$2 | +$887 | +$376 |
Albany seniors pay $1137 in insurance compared to Menands (+$727), Watervliet (+$3), Hampton Manor (+$964) and New York (+$409). In Albany, senior men pay $161 more than senior women.
Albany Car Insurance Discounts for Multiple Vehicles
Albany Population with 1 Vehicle 17084 (43% of Albany population), 2 Vehicles 9785 (25% of the Albany population) and 3 vehicles 2165 (5% of the population)
| Albany | Wynantskill | East Greenbush | Niskayuna | New York | |
| 2 Vehicles | $1914 | +$1677 | +$1525 | +$1031 | +$688 |
| 3 Vehicles | $2921 | +$2560 | +$2328 | +$1574 | +$1050 |
| 4 Vehicles | $3928 | +$3443 | +$3131 | +$2117 | +$1412 |
Car Insurance Agents in Albany, NY
| Rank | Agent Name | Agent Contact |
|---|---|---|
| 1 | AAA Insurance | 618 Delaware Ave, Albany, NY 12209 |
| 2 | Adirondack Trust Insurance Agency | 12 Computer Dr W, Albany, NY 12205 |
| 3 | A L Hofaker | 215 Wolf Rd, Albany, NY 12205 |
| 4 | Anchor Agency | 61 Colvin Ave, Albany, NY 12206 |
| 5 | Apple Auto Agency | 19 Colvin Ave, Albany, NY 12206 |
| 6 | Arnold Applebaum | 550 Central Ave, Albany, NY 12206 |
| 7 | Arthur J. Gallagher Risk Management Services | 500 New Karner Rd, Albany, NY 12205 |
| 8 | Austin & Company | 20 Corporate Woods Blvd Ste 4, Albany, NY 12211 |
| 9 | Avid Insurance Agency | 425 N Karner Rd, Albany, NY 12206 |
| 10 | Becky Ianniello | 4 Executive Park Dr Ste 2, Albany, NY 12203 |
Albany Auto Insurance Rates Vary by Deductible
| Low Deductible ($500) | High Deductible ($1000) | |||||
|---|---|---|---|---|---|---|
| Make & Model | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Chevrolet, Cruze Eco | $100 | $940 | $1040 | $900 | $1000 | $40 |
| Toyota, Sienna | $1000 | $960 | $1460 | $910 | $1910 | $-450 |
| Chevrolet, Malibu LS | $500 | $1040 | $1540 | $970 | $1470 | $70 |
| Chevrolet, Cruze LS | $1500 | $1020 | $1520 | $940 | $2440 | $-920 |
| Volkswagen, GTI | $700 | $1010 | $1510 | $960 | $1660 | $-150 |