In Albany, the average annual cost of car insurance is $1,655 for a full coverage policy and $764 for a minimum coverage policy. Car insurance is required by law in Albany, and it protects your legal and financial liability in the event of an at-fault accident. We looked into the best cheap car insurance in Albany based on factors such as average rate, available discounts, coverage options, and more.
Albany's top auto insurance companies
State Farm, Geico, New York Central Mutual, and USAA are the best car insurance companies in Albany. These providers stand out in the New York region for providing below-average rates, customizable coverage, good savings opportunities, and above-average ratings for overall customer satisfaction.
State Farm Insurance
State Farm is the largest auto insurance company in the United States, as well as the best-rated auto insurance company in New York. State Farm provides a few endorsements, such as rideshare insurance and roadside assistance, but it is best known for its low rates and discounts. State Farm also offers two safe driver rewards programmes: Drive Safe & Save for drivers over the age of 25 and Steer Clear for drivers under the age of 25.
Geico
Geico is one of the most affordable car insurance providers in Albany. The company is also highly rated, with AM Best assigning it an A++ rating, indicating superior financial strength. Geico has limited coverage options, but it has a long list of ways to save money. Geico provides discounts for military personnel, federal employees, good students, claims-free drivers, having safety features in your vehicle, and many other things.
New York Central Mutual
New York Central Mutual (NYCM) is a small-town insurance company. NYCM provides basic car insurance policies, but you can supplement them with roadside assistance, which is available in three tiers. In addition, Albany drivers can save money on car insurance by taking advantage of discounts offered by NYCM. Savings can be obtained by enrolling in automatic payments, installing airbags and daytime running lights, becoming a homeowner, and insuring a new car, among other things.
USAA
USAA sells car insurance exclusively to active duty and retired military personnel, as well as their spouses and children. Albany drivers who qualify for USAA coverage will benefit from the company's excellent customer service, low rates, and dependable coverage. USAA also provides numerous discounts, including some unique options such as vehicle storage on base. Drivers who switch to USAA save more than $700 per year on their auto insurance, according to the website.
Albany car insurance discounts
Drivers in Albany can save money on car insurance by taking advantage of car insurance discounts. Here are some of the most common city discounts:
Discount for defensive driving courses: Many insurance companies give drivers who complete an approved defensive driving course a discount.
Claims-free discount: Drivers with no prior insurance claims in the last few years can often get a lower rate.
Multi-policy discount: If you buy auto and home insurance from the same company, you may be eligible for a multi-policy discount.
Some insurance companies provide a discount to drivers who insure a new vehicle that is less than a few years old.
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