How to Find Cheaper Car Insurance in Albany, NY

Compare Quotes from Top Providers and Save now!

The average cost of car insurance in Albany, NY, is $1007. Shopping for auto insurance in Albany, NY, can be challenging. There are numerous companies available online that offer a great deal, but it is necessary to understand the policies and benefits delivered by the company. The cost of auto insurance in Albany, NY, may greatly vary depending on age, driving history, occupation, previous claims, and many other factors.

Cheapest Car Insurance in Albany, NY

If you’re looking for cheap car insurance, our team at Zimlon researched the cheapest auto insurance companies in Albany, NY. In addition, we did the homework to give you a list of the companies that offer the best auto insurance rates in Albany, NY.

how_to_find_cheaper_car_insurance_in_albany_ny

Albany Auto Insurance Rates by Age

Auto drivers who pay the highest insurance rates in Albany, NY, are teenagers. When drivers hit their 20s and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s is $2,096.82, the most considerable difference between any two age groups.

According to the research conducted by Zimlon, on average male teenage drivers pay $2124 in Albany, NY. In comparison, female teenage drivers pay $1973 on auto insurance in Albany, NY. Male teenagers pay extra $151 on car insurance in Albany, NY.

how_to_find_cheaper_car_insurance_in_albany_nyCar insurance quotes Albany NY - Based on credit score

Credit scores directly impact car insurance rates in Albany, NY. In Albany, the credit score is measured on a credit tier starting from exceptional to very poor. Car owners with good or exceptional scores pay less for auto insurance when compared to auto owners with poor credit scores. 

For instance, car owners with exceptional credit scores pay $1,173.15 on car insurance in Albany. In contrast, auto owners with poor credit scores pay $2,808.63 on auto insurance in Albany, NY.

how_to_find_cheaper_car_insurance_in_albany_ny

Car insurance quotes Albany NY - Based on violation history

When on roads, avoiding accidents and violations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs, and at-fault accidents all can trigger insurance rate hikes in Albany, NY. 

If you are convicted of DUI, car owners in Albany pay $1873 on auto insurance in Albany, NY. The cost of Post DUI may differ from male teenagers to female teenagers. For example, a male teenager post-DUI pays $3950, whereas a female teenager post-DUI pays $3669 in Albany, NY.