Cheap Quotes for Albany, CA Car Insurance (2021)

Albany, California car insurance rates average $304 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Albany, CA companies, you can find cheap Albany car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Albany has an average commute time of 32.8 minutes
  • The cheapest car insurance company in Albany is Progressive
  • Average car insurance rates in Albany, CA after a DUI are $5,111/year

How do the Albany, California monthly average car insurance rates of $304/month compare to nearby cities like Oakland car insurance rates, Los Angeles car insurance rates, and Long Beach car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Albany, CA.

We’ll cover the California minimum coverage requirements, California car insurance laws, and Albany, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Albany, California companies to find the most affordable Albany car insurance rates.

Enter your ZIP code above to find cheap Albany, CA car insurance quotes today.

What are the minimum Albany, CA car insurance requirements?

To meet California minimum car insurance coverage requirements, Albany, CA drivers need to carry at least 15/30/5 coverage.

Minimum Required Car Insurance Coverage in Albany, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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How do age, gender, and marital status affect Albany, CA car insurance rates?

Three of the criteria that most affect car insurance rates in Albany, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Albany car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Albany, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,905 $2,912 $2,123 $2,142 $8,093 $10,202 $3,716 $4,090
Farmers $2,942 $2,942 $2,655 $2,655 $9,428 $15,489 $3,492 $3,893
GEICO $1,563 $1,564 $1,470 $1,470 $4,767 $4,842 $2,246 $2,292
Liberty Mutual $2,498 $2,369 $2,325 $2,254 $5,539 $5,873 $2,825 $2,838
Nationwide $3,256 $3,106 $2,846 $2,681 $8,352 $9,199 $3,908 $3,860
Progressive $1,429 $1,471 $1,204 $1,431 $3,750 $4,523 $2,036 $2,187
State Farm $3,249 $3,249 $2,902 $2,902 $5,991 $7,436 $3,598 $3,709
Travelers $2,531 $2,448 $2,235 $2,212 $5,270 $5,993 $3,284 $3,219
USAA $1,870 $1,772 $1,823 $1,831 $4,257 $4,298 $2,597 $2,455

How much do teen drivers pay for car insurance in Albany, CA?

Albany, California car insurance rates for teens are often higher than rates for other drivers. Compare Albany car insurance rates from multiple Albany, California car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Albany, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,093 $10,202
Farmers $9,428 $15,489
GEICO $4,767 $4,842
Liberty Mutual $5,539 $5,873
Nationwide $8,352 $9,199
Progressive $3,750 $4,523
State Farm $5,991 $7,436
Travelers $5,270 $5,993
USAA $4,257 $4,298

How much do senior drivers pay for car insurance in Albany, CA?

With a little research, seniors can find affordable car insurance in Albany, California. Here’s a look at how the top Albany car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Albany, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,123 $2,142
Farmers $2,655 $2,655
GEICO $1,470 $1,470
Liberty Mutual $2,325 $2,254
Nationwide $2,846 $2,681
Progressive $1,204 $1,431
State Farm $2,902 $2,902
Travelers $2,235 $2,212
USAA $1,823 $1,831

How does coverage level affect Albany, CA car insurance rates?

How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Albany, CA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Albany, California

Insurance Company Low Medium High
Allstate $4,289 $4,562 $4,718
Farmers $5,080 $5,478 $5,754
GEICO $2,310 $2,556 $2,715
Liberty Mutual $3,103 $3,346 $3,497
Nationwide $4,199 $4,738 $5,016
Progressive $2,049 $2,320 $2,393
State Farm $3,716 $4,204 $4,469
Travelers $2,951 $3,498 $3,748
USAA $2,388 $2,661 $2,790

How does your driving record affect Albany, CA car insurance rates?

Safe driving pays off. The more traffic violations you have in Albany, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Albany, California companies.

Annual Albany, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,729 $4,581 $7,200 $3,582
Farmers $4,016 $5,473 $6,823 $5,437
GEICO $1,766 $2,731 $3,420 $2,191
Liberty Mutual $2,878 $3,856 $3,477 $3,049
Nationwide $3,246 $4,160 $7,038 $4,160
Progressive $1,486 $2,505 $2,888 $2,136
State Farm $2,947 $3,515 $6,636 $3,420
Travelers $2,267 $3,693 $4,294 $3,342
USAA $1,737 $2,588 $4,225 $1,902

How does a DUI affect Albany, CA car insurance rates?

With even one DUI on your record, you can see an increase in your Albany, CA car insurance rates.

Annual Car Insurance Rates After a DUI in Albany, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,200
Farmers $6,823
GEICO $3,420
Liberty Mutual $3,477
Nationwide $7,038
Progressive $2,888
State Farm $6,636
Travelers $4,294
USAA $4,225

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How does your commute affect Albany, CA car insurance rates?

Albany, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Albany if you’re financing.

Annual Car Insurance Rates by Commute Length in Albany, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,077 $4,969
Farmers $4,933 $5,941
GEICO $2,295 $2,758
Liberty Mutual $3,045 $3,585
Nationwide $4,107 $5,195
Progressive $2,044 $2,464
State Farm $3,979 $4,280
Travelers $3,056 $3,742
USAA $2,411 $2,816

Who has the cheapest Albany, CA car insurance rates?

Here’s a breakdown of Albany, California car insurance rates by company. You can see which company offers the cheapest Albany car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Albany, California

Category Insurance Company
Teenagers Progressive
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Progressive
With 1 Speeding Violation USAA

What are the top Albany, CA car insurance companies?

Which Albany, California car insurance company will best fit your needs and budget? Check out this comparison of the top Albany companies to find the one for you.

Average Annual Car Insurance Rates by Company in Albany, California

Insurance Company Average Annual Rates
Allstate $4,523
Farmers $5,437
GEICO $2,527
Liberty Mutual $3,315
Nationwide $4,651
Progressive $2,254
State Farm $4,130
Travelers $3,399
USAA $2,613

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What factors affect Albany, CA car insurance rates?

Why are Albany, California car insurance rates different than rates in Oakland or Los Angeles? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Albany, CA?

FBI statistics show that the Albany, California car theft rate is 47 thefts each year. High theft rates can lead to higher than average Albany, CA car insurance rates.

How long is the average commute in Albany, CA?

More time spent behind the wheel can lead to higher Albany, California car insurance rates. In Albany, CA, the average commute length is 32.8 minutes.

What is the traffic like in Albany, CA

Like commute length, time spent in traffic also increase risk of accidents. Albany, CA is listed as 863rd in INRIX congested cities data.

Car Insurance Quotes for Albany, CA

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