For a 40-year-old driver with a clean record, Albany car insurance averages about $187 a month ($2,248 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 10% below the Georgia average of $208 a month. Progressive has the lowest full-coverage average among the four major insurers we compared (Allstate, Auto-Owners, GEICO and Progressive), at about $146 a month.
Albany and Augusta are effectively tied as the least expensive of our six Georgia city guides, at about $187 a month for full coverage. Our benchmark driver pays about $21 a month less here than the state average.
Our data covers four ZIP codes with an Albany mailing address, all priced within a few dollars of each other, from about $185 a month in 31705 to $189 in 31701.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Albany ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Albany, GA?
Full coverage in Albany averages $2,248 a year, or about $187 a month, for our benchmark driver. Liability-only coverage at Georgia’s 25/50/25 minimum averages $837 a year ($70 a month), and 50/100/50 liability with comprehensive and collision averages $2,246 ($187 a month).
- Full coverage (100/300/100, $500 deductibles): $2,248 a year ($187 a month)
- 50/100/50 with $500 deductibles: $2,246 a year ($187 a month)
- Liability only (25/50/25): $837 a year ($70 a month)
- Dougherty County: $2,248 a year ($187 a month) for full coverage
- Georgia average: $2,494 a year ($208 a month) for full coverage
- ZIP code range: $185 (31705) to $189 (31701) a month for full coverage
Cheap Car Insurance in Albany: Companies Compared
- Lowest average among the four major insurers we compared, full coverage: Progressive, at about $146 a month ($1,756 a year).
- Next lowest any driver can buy: GEICO, at about $168 a month, then Auto-Owners at $193.
- Military families: USAA averages about $153 a month, but only for eligible members.
- Lowest liability-only average among these four insurers (25/50/25): Progressive, at about $53 a month, then GEICO at $55. USAA, which sells only to military families, is lower still, at about $43 a month.
- State Farm (Nov. 2025 rates)*: about $271 a month for full coverage, from its November 2025 rates.
- Also on our list: Georgia Farm Bureau at about $88 a month, Country Financial at $206, Central Insurance at $217 and Mercury at $283.
- Most expensive among these four insurers: Allstate, at about $277 a month, $1,562 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the five insurers in our Albany rate data. The published 2026 statewide Georgia rate studies we reviewed most often rank Progressive or Georgia Farm Bureau cheapest for full coverage, apart from USAA; one puts GEICO first. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among these four insurers, at about $53 a month, with GEICO close behind at $55. USAA comes in even lower, at about $43 a month, but it sells only to military families.
Full-coverage averages by insurer in Albany
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $633 | $53 | $1,756 | $146 |
| USAA (military families) | $514 | $43 | $1,832 | $153 |
| GEICO | $657 | $55 | $2,014 | $168 |
| Auto-Owners | Not in our data | Not in our data | $2,318 | $193 |
| Allstate | $1,546 | $129 | $3,318 | $277 |
| State Farm (Nov. 2025 rates)* | $1,238 | $103 | $3,246 | $271 |
| Georgia Farm Bureau* | $444 | $37 | $1,060 | $88 |
| Country Financial* | $775 | $65 | $2,473 | $206 |
| Central Insurance* | $777 | $65 | $2,605 | $217 |
| Mercury* | $1,268 | $106 | $3,396 | $283 |
| Albany average | $837 | $70 | $2,248 | $187 |
This table uses Albany ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Albany Car Insurance Rates by ZIP Code
Across the four Albany ZIP codes we price, full coverage for our driver ranges from about $185 a month in 31705 to $189 in 31701, a gap of $54 a year.
Lowest-priced Albany ZIP code
Highest-priced Albany ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Albany’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 31701 | $853 | $71 | $2,273 | $189 | +1% |
| 31705 | $801 | $67 | $2,219 | $185 | -1% |
| 31707 | $852 | $71 | $2,258 | $188 | +1% |
| 31721 | $843 | $70 | $2,241 | $187 | About average |
Your ZIP code matters
How Much More Does Better Coverage Cost in Albany?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Albany data: with the same $500 deductibles, full coverage averages $2,248 a year and 50/100/50 averages $2,246. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners and GEICO charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Albany?
Yes, for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Albany ZIP codes, their full-coverage average rose from $2,148 a year nine months earlier to $2,230 in rates as of Aug. 31, 2026, a 3.8% increase. Progressive raised its average 13.7%, Allstate 2.8% and USAA 1.4%, while GEICO’s average was unchanged. Auto-Owners is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Albany average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits fell 1.6%, led by USAA, which cut its liability-only average 17.6%.
What Shapes Car Insurance Costs in Albany
Dougherty County averages about $187 a month for full coverage, the 79th-most expensive of the 133 Georgia counties we price.
Leesburg, just north of the city in Lee County, averages about $185 a month. Where your car is kept is one of the factors Georgia insurers use, so your ZIP code can move your price.
How Albany Car Insurance Compares With Other Georgia Cities
More Georgia cities and towns are in the Georgia rates by city table, and you can compare states on our car insurance rates by state page.
Columbus, about 80 miles northwest, averages $198 a month, and Macon, about 90 miles northeast, $212. Savannah averages $207.
What Car Insurance Is Required in Albany?
Drivers in Albany follow Georgia’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
Uninsured motorist coverage comes with your policy unless you reject it in writing. Our Georgia requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Albany
- Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the four major insurers we compared in Albany, about $146 and $168 a month.
- Quote several insurers. Among the four major insurers we compared in Albany, the lowest and highest averages are about $131 a month apart for the same driver and car.
- Keep uninsured motorist coverage. It comes with Georgia policies unless you reject it in writing, and it pays when a driver without enough insurance injures you or damages your car.
- Compare at every renewal. Over the past nine months, Progressive has raised its average 13.7%, Allstate 2.8% and USAA 1.4%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Georgia home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Albany Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 20 full-coverage premiums from five insurers across four Albany ZIP codes, plus the same number of 50/100/50 premiums and 16 liability-only premiums. Auto-Owners has no liability-only price in our rate data.
- Insurer count: our Georgia averages come from five insurers, one of them USAA, which sells only to military families. With few insurers, the averages can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Georgia’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Auto-Owners isn’t in the November 2025 rates and State Farm isn’t in the August 2026 rates, so they’re left out of rate-change comparisons; the other four insurers, including USAA, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Georgia rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Georgia law and the Office of the Commissioner of Insurance and Safety Fire. We refresh these figures when new rate data is released.
Albany Car Insurance FAQ
For our benchmark driver, full coverage in Albany averages about $187 a month ($2,248 a year) and liability-only coverage about $70 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 10% below the Georgia average of $208 a month.
Progressive has the lowest full-coverage average in our Albany rate data, at about $146 a month, followed by GEICO at $168 among insurers anyone can buy from. USAA, which sells only to military families, averages about $153 a month. For liability-only coverage, Progressive has the lowest average among the four major insurers we compared, at about $53 a month. The published 2026 statewide Georgia rate studies we reviewed most often rank Progressive or Georgia Farm Bureau cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Compared with the rest of Georgia, it’s below average. For our benchmark driver, Albany full coverage averages about $187 a month, 10% below the Georgia average and about $65 a month less than in Atlanta.
In our data, 31705 has the lowest full-coverage average in Albany, at about $185 a month, and 31701 the highest, at about $189. The ZIP code table on this page lists all four.
In our Albany data, full coverage (100/300/100 with $500 deductibles) averages about $187 a month and liability-only coverage at 25/50/25 limits about $70, a difference of about $117 a month ($1,411 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Georgia law doesn’t require full coverage, but a lender or leasing company may.
Yes, for our benchmark driver. Comparing the four insurers in both sets of rates (Auto-Owners is new over the past nine months), their Albany full-coverage average rose 3.8%, from about $2,148 to $2,230 a year. That’s lower than the Albany average of $2,248 because it leaves out Auto-Owners. Progressive raised its average 13.7%, Allstate 2.8% and USAA 1.4%. Liability-only coverage at 25/50/25 limits fell 1.6%.
For our benchmark driver, full coverage in Albany averages about $187 a month. Nearby, Columbus averages about $198, Macon about $212 and Atlanta about $252. Albany is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
