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 | $1,007 | $1,629 |
Latest Auto Insurance Reviews in Albany, New York
The Hartford
I've had no experience with this firm other than they've covered my car insurance for the past 12 years. I'm a good driver with no tickets/accidents, so it's a pretty uneventful relationship.
I've had no experience with this firm other than they've covered my car insurance for the past 12 years. I'm a good driver with no tickets/accidents, so it's a pretty uneventful relationship.
Geico
The reason I chose this company is because the premium and deductible was lower than other company offerings for the same coverage.
The reason I chose this company is because the premium and deductible was lower than other company offerings for the same coverage.
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
$1,557/12 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
$1,317/12 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 | $1,920 | $842 |
| Krumkill Ct E | 2008 Ford Fusion I4 SE | 72 year male senior | $1,134 | $775 |
| Normansville | ||||
| Hollywood Ave | 2007 Cadillac DTS | 18 year female teenager | $2,193 | $691 |
| Ramsey Pl | 2006 Mazda MAZDA3 s | 70 year senior | $1,044 | $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 | $1,262 | $968 |
| Manning Blvd | 2013 Hyundai Sonata GLS | 16 year teenager | $1,978 | $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 | $1,348 | $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 $2,188
- 2011 Acura TSX Female Teenager Insurance Rate $2,012
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 $1,286
- 2013 Toyota Prius Married Women Insurance Rate $1,220
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 | $1,040 | $900 | $1,000 | $40 |
| Toyota, Sienna | $1,000 | $960 | $1,460 | $910 | $1,910 | $-450 |
| Chevrolet, Malibu LS | $500 | $1,040 | $1,540 | $970 | $1,470 | $70 |
| Chevrolet, Cruze LS | $1,500 | $1,020 | $1,520 | $940 | $2,440 | $-920 |
| Volkswagen, GTI | $700 | $1,010 | $1,510 | $960 | $1,660 | $-150 |