Progressive has the cheapest car insurance in Albany, GA at every coverage level we priced: $146 a month for full coverage and $128 for 50/100/50, each among the 4 insurers we compared, and $53 for Liability Only 25/50/25, among the 3 that returned a liability price. GEICO is second every time, $22, $59 and $2 a month higher. USAA, available only to military households, undercuts Progressive at liability ($44), so we show it beside the rankings but never rank it.
What sets Albany apart: Auto-Owners returned no Liability Only quote here, so the liability ranking is one company short, and our Georgia page names GEICO ($65) for liability while Progressive edges ahead in these four ZIP codes, $53 to $55.
Small sample: the post office assigns 9 ZIP codes to Albany, Georgia, and only 4 of them (31701, 31705, 31707 and 31721, all Dougherty County) carry prices; the other 5 have no quote at all. Nothing here speaks for a wider area. Page updated Nov. 2, 2026. The rates date from Sept. 30, 2026, were supplied by Quadrant Information Services and describe one hypothetical driver; they work as yardsticks, not offers. Our Albany method
Cheap Car Insurance in Albany, GA: Progressive Is Lowest at Every Level
Lowest Albany price per level, insurers open to everyone
Full coverage, 100/300/100 with $500 deductibles
Progressive
$146/mo
$1,756 a year. Next: GEICO, $168.
50/100/50 limits plus $500 deductibles
Progressive
$128/mo
$1,534 a year. Next: GEICO, $187.
Liability Only 25/50/25
Progressive
$53/mo
$633 a year. Next: GEICO, $55.
Equals Georgia’s 25/50/25 liability limits
Why one name: Progressive undercuts GEICO by $22 and $59 a month at the upper levels. At liability the distance is only $2 a month ($24 a year), but Progressive still takes the single name, with a lower yearly price and 3 of the 4 ZIP codes.
USAA is shown, not ranked. Its Liability Only price is $44 a month ($530 a year), under Progressive; at full coverage ($158) and 50/100/50 ($156) it sits between Progressive and GEICO.
Albany vs. Georgia: Lower Averages, Different Liability Leader
All 4 priced Albany ZIP codes come in under the statewide averages. The Georgia figures come from our cheap car insurance in Georgia guide: the same five insurers, 400 ZIP codes, the same rates.
| Coverage | Albany | Georgia | Albany is lower by |
|---|---|---|---|
| Full coverage | $189 [$2,264] | $209 [$2,512] | $20 |
| 50/100/50 | $189 [$2,262] | $208 [$2,493] | $19 |
| Liability Only 25/50/25 | $70 [$841] | $85 [$1,018] | $15 |
At full coverage every company is cheaper in Albany than statewide, by $11 (GEICO) to $33 (Allstate); Progressive is $22 under ($146 against $168). The top of the order matches the state page: Progressive, then GEICO.
Liability: our Georgia page names GEICO, Albany favors Progressive
Statewide, GEICO has the lowest open-to-all liability price at $65, with Progressive $3 behind at $68. In Albany the pair trade places: Progressive $53, GEICO $55. Both are cheaper here than statewide, Progressive by $15 and GEICO by $10. In 31721 GEICO’s $50 still beats Progressive’s $57 by $7.
Car Insurance Quotes in Albany, GA: What Each Coverage Level Costs
Progressive wins all three levels. Stepping up from Liability Only to 50/100/50 adds $75 a month at Progressive, and full coverage adds $18 more.
GEICO is the odd one out: its full coverage ($168) sits $19 under its 50/100/50 ($187) in all 4 ZIP codes, and the two upper Albany averages land at $189 each.
Liability Only 25/50/25 holds exactly the limits Georgia requires. The 50/100/50 package doubles the injury limits and raises property damage cover to $50,000. Only the upper two packages pay for your own car, which lenders usually require.
Compare Albany Car Insurance Quotes at the Level You Need
Car Insurance Albany GA: What Each Company Charges
Five insurers priced all 4 ZIP codes at full coverage and 50/100/50; Auto-Owners returned nothing at Liability Only. USAA is listed last, unranked.
| Company | Full coverage | 50/100/50 | Liability Only |
|---|---|---|---|
| Progressive | $146 [$1,756] | $128 [$1,534] | $53 [$633] |
| GEICO | $168 [$2,014] | $187 [$2,250] | $55 [$657] |
| Auto-Owners | $194 [$2,333] | $195 [$2,343] | No price |
| Allstate | $277 [$3,318] | $276 [$3,316] | $129 [$1,546] |
| USAA (military households only, not ranked) | $158 [$1,899] | $156 [$1,870] | $44 [$530] |
| Albany average, all five | $189 | $189 | $70 (four) |
Why Auto-Owners has no Liability Only price
Auto-Owners quoted full coverage and 50/100/50 in every Albany ZIP code, and both are ranked. Its Liability Only quotes carry the provider’s condition that at least one vehicle on the policy have liability and collision coverage, so no bare-liability price exists for our driver. We print none, which is why the liability average covers four insurers and the ranking three; USAA is priced but unranked.
Car Insurance in Albany, GA by ZIP Code: Four Priced, Averages Within $5
All four priced ZIP codes sit in Dougherty County. At full coverage, averaging all five insurers, they run from $186 in 31705 to $191 in 31701, only $5 apart, Across all four, Progressive undercuts every ranked rival on full coverage and 50/100/50; at liability it wins 3 and GEICO takes 31721. The five ZIP codes with no quote (31702, 31703, 31704, 31706 and 31708) are in no figure here.
| ZIP code, with USPS labels | Progressive | GEICO | ZIP average |
|---|---|---|---|
| 31701 – Albany | $152 | $173 | $191 |
| 31705 – Albany, Bridgeboro, Radium Springs | $136 | $165 | $186 |
| 31707 – Albany | $146 | $173 | $190 |
| 31721 – Albany | $152 | $161 | $188 |
| All 4 ZIP codes | $146 | $168 | $189 |
Progressive’s price moves $16 across the four ZIP codes, from $136 in 31705 to $152 in 31701 and 31721, and GEICO’s moves $12 ($161 in 31721, $173 in 31701 and 31707). Auto-Owners goes the other way: its highest price, $201, is in 31705, the ZIP code with the lowest average, against $190 in 31707 and 31721.
Full-Coverage Prices Under $200 a Month, ZIP by ZIP
In all 4 ZIP codes the lowest ranked full-coverage price is under $200, between $136 and $152 a month ($1,631 to $1,828 a year), and in 2 of them (31705 and 31707) it is under $150. Progressive sets that price every time.
See What Progressive and GEICO Charge at Your Albany Address
Six Ways to Trim an Albany Car Insurance Bill
- Start with Progressive. It was lowest at all three levels in our Albany data, $22 a month under GEICO at full coverage and $59 under at 50/100/50.
- Price both big packages at GEICO. Its full coverage ($168) came in $19 under its own 50/100/50 ($187) in every priced ZIP code.
- Get a GEICO liability quote too. In 31721 it beat Progressive by $7 a month; elsewhere Progressive led by $4 to $8.
- Use the ZIP code that matches your garage. Progressive’s full-coverage price is $16 lower in 31705 than in 31701.
- Compare the yearly total. Allstate’s full coverage runs $3,318 a year, Progressive’s $1,756.
- Keep coverage continuous. Georgia treats ten days or more with no coverage on record as a lapse, with a $25 fee.
What Georgia Law Requires of Albany Drivers
Georgia’s liability numbers are the ones our Liability Only tier carries:
- Liability: $25,000 covers any one person’s injuries, $50,000 caps the injury payout for a whole crash, and $25,000 covers damage to other people’s property.
- Uninsured motorist coverage: responds if an uninsured driver hurts you or a passenger, or wrecks your vehicle. Check which limits each insurer’s quote includes.
- Staying insured: insurers report policies to the Department of Revenue electronically. A stretch of ten days or more with nothing on record counts as a lapse and brings a $25 charge. Leave it unpaid and the registration is suspended; getting it back costs $60 the first or second time within five years and $160 the third. Driving on a suspended registration is a misdemeanor, per the Department of Revenue.
Sources: the insurance commissioner’s auto page, and the Department of Revenue pages on proof of insurance, lapses and registration suspension.
Getting Albany Quotes You Can Compare
Keep these identical on every quote:
- Bodily injury and property limits, 25/50/25 or above.
- Uninsured motorist limits.
- Collision and comprehensive deductible amounts.
- Named drivers and insured vehicles.
- The garaging ZIP code, since Albany’s ZIP codes price differently company by company.
Start Your Albany Car Insurance Quote
How We Priced Albany Car Insurance
Quadrant Information Services supplies rate data: one fixed driver and vehicle go through each insurer’s filed rating plan and each premium is logged. Albany figures are as of Sept. 30, 2026.
- Driver and vehicle: single male, age 40, strong credit, licensed for 24 years, clean driving record. The vehicle: a 2024 Toyota Camry LE, personal use.
- The three packages: Liability Only 25/50/25 pays for harm to other people and nothing on the driver’s own car. The middle package pairs 50/100 injury limits with up to $50,000 of property damage cover, plus collision and comprehensive ($500 deductible each). The top package sets liability at 100/300/100. PIP and medical payments cover are excluded from all three packages; including either would raise a price.
- Sample size: 9 ZIP codes list Albany as primary city. 4 are priced in our Georgia data (31701, 31705, 31707, 31721; Dougherty County) and 5 (31702, 31703, 31704, 31706, 31708) have no quote; every figure covers the 4 only.
- Insurers and exclusions: all five returned full coverage and 50/100/50 prices in each ZIP code. Auto-Owners returned no Liability Only price (the provider’s condition: one vehicle on the policy must carry liability and collision), so those quotes are excluded from that package only. USAA, open only to military households, is priced and averaged but never ranked or named. No other insurer quoted Albany.
- Averages: a company’s figure is the plain mean of its ZIP prices; the city average pools every insurer-and-ZIP price, USAA among them (20 prices at full coverage and at 50/100/50, 16 at Liability Only). Monthly numbers come from dividing each yearly price by 12 and rounding; gaps subtract the rounded numbers.
- Naming rule: one company per level, two only if yearly prices are nearly the same; none qualify here, and liability comes closest at $2 a month apart. A ranked company must be priced in at least two of the four ZIP codes, and every ranked one is priced in all four. The provider attached no other note to Albany quotes.
What you would pay turns on your own car, record, limits and discounts; nothing here is an offer.
Albany Car Insurance FAQ: Rates and Rules
Is $200 a month a lot for car insurance in Albany?
Slightly more than the Albany average: $200 is $11 over the $189 five-insurer full-coverage average here and $54 over Progressive’s $146. Even so, each of the 4 ZIP codes priced has a ranked full-coverage price under $200 ($136 to $152). Treat that as a shopping floor.
Who has the cheapest car insurance in Albany right now?
Progressive, on Sept. 30, 2026 rates: $146 a month for full coverage and $128 for 50/100/50, each among the 4 insurers we compared, plus $53 for Liability Only 25/50/25 among the 3 that returned a price. USAA, which only military families can buy, is lower at liability ($44) but stays unranked.
Is GEICO or Progressive cheaper in Albany?
Progressive, at all three levels: $146 against GEICO’s $168 for full coverage, $128 against $187 for 50/100/50 and $53 against $55 for Liability Only 25/50/25. Progressive is cheapest in every ZIP code at the first two levels; at liability it takes 3 of the 4 ZIP codes, while GEICO wins 31721 at $50 against Progressive’s $57.
Why is car insurance so expensive in Albany?
Our figures describe price levels, not causes, and Albany sits below Georgia’s averages: $189 a month for full coverage here against $209 statewide. The four ZIP averages stay within $5 of one another. Georgia’s legal floor for liability is 25/50/25, the figures our Liability Only tier carries.
What is the minimum car insurance in Georgia?
Georgia’s required liability limits are 25/50/25: $25,000 per person injured, $50,000 per accident across all injuries and $25,000 for property damage, as the state insurance commissioner’s auto page lists them. Our Liability Only 25/50/25 tier carries exactly those limits, while 50/100/50 and full coverage go higher.
How much is full coverage car insurance in Albany?
Across the five insurers priced here, full coverage averages $189 a month ($2,264 a year). Company averages range from Progressive’s $146 to Allstate’s $277, with GEICO at $168. Here that package is 100/300/100 liability with collision and comprehensive, both at $500 deductibles.
Is 50/100/50 enough car insurance in Albany?
We can compare prices and limits but cannot say what suits you; that turns on your car, savings and lender. In Albany the 50/100/50 package doubles Georgia’s required injury limits and adds collision and comprehensive. Progressive charges $128 a month for it: $75 over its Liability Only 25/50/25 price of $53 and $18 under its full-coverage $146.
Is liability coverage full coverage?
No, liability is only one piece: it pays the other party after a crash you cause. Full coverage usually means liability plus two more parts, collision and comprehensive, that repair or replace your vehicle. Albany’s Liability Only 25/50/25 averages $70 a month against $189 for full coverage. The Insurance Information Institute lays out each part of a policy in plain terms.
Can insurers use my credit score to set car insurance prices in Georgia?
Yes, within limits. Insurers may consider credit, but not the score alone: a missing credit file cannot count against you, scores must be refreshed within 3 years, and adverse actions need stated reasons (O.C.G.A. 33-24-90 to 98, per the NAIC chart of state credit rules). Each Albany price here was run with good credit.
How do tickets and points affect car insurance in Georgia?
A Georgia license is suspended at 15 points within 24 months. Speeding 15 to 18 over carries 2 points, 19 to 23 over 3, 24 to 33 over 4 and 34 or more 6; reckless driving is 4, aggressive driving and passing a school bus 6, other moving violations mostly 3. A defensive driving course can remove up to 7 points once per 5 years (Georgia DDS points schedule). Our Albany prices assume no violations.
What happens if you drive without insurance in Georgia?
Georgia adds a $25 lapse fee when continuous coverage is not maintained and can suspend the registration. Getting it back costs $60 for a first reinstatement, $60 for a second and $160 for a third or later within 5 years, per the Georgia Department of Revenue fee schedule.
How many ZIP codes does the Albany comparison cover?
Four. The post office gives Albany 9; 31701, 31705, 31707 and 31721 (all Dougherty County) have prices in our Georgia data, and 31702, 31703, 31704, 31706 and 31708 have no quote. ZIP averages span $186 to $191 at full coverage, so this is a small-sample benchmark.
Why is there no Auto-Owners price for Liability Only in Albany?
Because its Liability Only quotes carry a data-provider note stating that at least one vehicle on the policy must have liability and collision coverage. Auto-Owners did quote full coverage and 50/100/50 in all 4 Albany ZIP codes, so it is ranked there. We print no liability price for it, which leaves Progressive, GEICO and Allstate in that ranking.
Is USAA cheaper than Progressive in Albany?
Only at Liability Only 25/50/25: USAA averages $44 a month against Progressive’s $53. At full coverage USAA’s $158 is higher than Progressive’s $146, and at 50/100/50 its $156 tops $128. Because USAA sells only to military households, it appears for reference and is not ranked.
- About the CCI Author
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Michael Giusti, MBA, is a senior contributor who writes in-depth content about state-level auto insurance rules, pricing trends, and savings opportunities for drivers. His expertise supports data-rich rate guides to help you find the cheapest auto coverage quotes on CheapCarInsurance.net.