How Much Does Auto Insurance Cost in Albany, GA?
According to recent data, the average annual car insurance premium for full coverage in Albany is around $2,115 a year or $177 a month.
Insurance premiums tend to be higher in densely populated areas compared to more rural areas. Additionally, factors such as your age, gender, credit score, and driving history can also affect your premiums.
Who Has the Cheapest Car Insurance Rates in Albany?
The most affordable insurance providers in Albany for state minimum coverage includes Progressive, Mile Auto, Safeco and Liberty Mutual.
If you’re looking to find the most affordable auto insurance provider in Albany, here is a breakdown of monthly and yearly costs by insurance company:
| Insurance Provider | Minimum Liability | Yearly Cost: |
|---|---|---|
| Progressive | $96 | $1,152 |
| Mile Auto | $112 | $1,344 |
| Safeco | $142 | $1,704 |
| Liberty Mutual | $160 | $1,920 |
| Elephant | $170 | $2,040 |
| Travelers | $185 | $2,220 |
| Mercury | $192 | $2,304 |
| Direct Auto | $196 | $2,352 |
| State Auto | $265 | $3,180 |
To get the most accurate estimate for your car insurance costs in Georgia, it’s recommended to obtain quotes from multiple insurance providers through our online tool. We will consider your specific circumstances and provide you with personalized rates based on your needs and coverage options.
Georgia Auto Insurance Rates by County
The cost data in the table below is an example of a single driver, middle aged, with a clean driving record and a good credit score who drives a used vehicle.
The average costs for car insurance in Georgia will vary by provider and driving history as well as individual driver factors. Here is a list of average state minimum liability coverage costs in Georgia broken down by county and vehicle type – search for your county below:
| Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Appling | $1,058 | $948 | $1,026 | $1,027 | $1,117 |
| Atkinson | $983 | $884 | $952 | $1,022 | $1,034 |
| Bacon | $1,093 | $976 | $1,061 | $1,027 | $1,155 |
| Baker | $968 | $870 | $939 | $1,006 | $1,018 |
| Baldwin | $1,098 | $977 | $1,064 | $1,027 | $1,157 |
| Banks | $1,036 | $933 | $1,000 | $1,027 | $1,085 |
| Barrow | $1,020 | $917 | $987 | $1,064 | $1,068 |
| Bartow | $1,038 | $933 | $1,005 | $1,067 | $1,089 |
| Ben Hill | $1,038 | $898 | $998 | $1,027 | $1,099 |
| Berrien | $944 | $849 | $916 | $981 | $993 |
Average Cost of Car Insurance in GA by Vehicle Type
The type of vehicle you drive will have an impact on the overall costs of your auto policy for state minimum coverage in Georgia. Our cost data is pulled based on different types of vehicles such as a Toyota Camry, Honda CRV, Nissan Titan, Chevy Bolt, and BMW 4 Series.
Here is the average cost of minimum liability car insurance for each vehicle type across multiple real time quotes from GA drivers in every county for a year of coverage:
- 4 Door Car: $1,023
- SUV: $983
- Truck: $1,027
- Hybrid Electric Vehicle: $1,075
- 2 Door Coupe: $1,255
Car Insurance Requirements for Georgia
Each state has its own requirements for the amount of auto insurance coverage its licensed drivers need to carry. Georgia requires every driver to have liability auto insurance, which helps pay for damage and injuries to the other party if you cause a car accident.
The minimum coverage amounts for Georgia auto insurance policies are:
- $25,000 per person
- $50,000 for multiple people for bodily injury liability
- $25,000 per incident for property damage liability.
It’s also worth noting that even though the laws in Georgia does not require collision or comprehensive auto insurance, if you still owe money on your car through a lease or a loan, your bank or lender will require you to carry those types of coverage.
Georgia stands apart from other states in that while it requires all drivers to have auto insurance, it does not allow you to show your insurance card as proof that you are insured. Don’t look at that as a loophole to be uninsured. Having auto insurance is in your best interest, financially speaking, but also law enforcement officers, in the event of a traffic stop, check with the Georgia Electronic Insurance Compliance System (GEICS) to verify that all drivers have auto insurance.
It’s still wise to carry your insurance card with you so you can exchange information with the other drivers if an accident occurs.
How to Find Cheap Car Insurance in Albany
To find cheap car insurance in Albany, GA, here are a few steps you can take:
- Shop around: Get quotes from multiple insurance companies to compare rates. Each insurer may have different pricing models and discounts, so it’s worth checking with several providers.
- Consider local and regional insurers: In addition to larger national companies, look into local or regional insurance providers that may offer competitive rates in Albany, GA.
- Maintain a clean driving record: Insurance premiums can be affected by your driving history. By maintaining a clean record with no accidents or traffic violations, you may be eligible for lower rates.
- Opt for higher deductibles: Choosing a higher deductible means you’ll pay more out of pocket in the event of a claim, but it can lower your premium. Consider your financial situation and choose a deductible that you can comfortably afford.
- Bundle insurance policies: If you have multiple insurance needs, such as homeowners or renters insurance, consider bundling them with the same insurance company. Many insurers offer discounts for bundling policies.
- Inquire about discounts: Ask insurance companies about available discounts. Common discounts include safe driver discounts, multi-car discounts, good student discounts, and discounts for safety features on your vehicle.
- Evaluate your coverage needs: Review your coverage limits to ensure they align with your needs. If you have an older vehicle, you may consider dropping comprehensive and collision coverage if the premiums outweigh the potential payout.
Remember, while finding affordable car insurance is important, it’s also crucial to ensure you have adequate coverage to protect yourself financially in case of an accident.
