Compare Albany, MO Car Insurance Rates [2025]
Car insurance in Albany, MO averages $271 a month. Albany, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Albany car insurance rates, compare quotes from the top car insurance companies in Albany, MO.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Michael Vereecke
Updated February 2024
- Average car insurance rates in Albany, MO are $3,246/year
- The cheapest car insurance company in Albany is Nationwide
- Average car insurance rates in Albany, MO after a DUI are $3,766/year
If you need to buy Albany, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Albany, MO is right here.
You’ll find Albany car insurance rates, the cheapest Albany, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Albany, Missouri car insurance rates to Kansas City car insurance rates, St. Louis car insurance rates, and Florissant car insurance rates.
Ready to find affordable Albany, MO car insurance today? Enter your ZIP code for fast, free Albany car insurance quotes.
Cheapest Albany, MO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Albany, MO car insurance rates? Every Albany, Missouri car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Albany, Missouri
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,854 | $2,764 | $2,566 | $2,647 | $7,916 | $8,591 | $2,737 | $2,829 |
| American Family | $2,141 | $2,141 | $1,900 | $1,900 | $5,644 | $7,378 | $2,141 | $2,527 |
| Farmers | $2,312 | $2,303 | $2,071 | $2,187 | $9,201 | $9,507 | $2,631 | $2,759 |
| Geico | $2,009 | $2,221 | $1,556 | $1,927 | $5,934 | $6,311 | $1,888 | $1,926 |
| Liberty Mutual | $2,616 | $2,841 | $2,157 | $2,419 | $8,499 | $9,439 | $2,766 | $2,963 |
| Nationwide | $1,482 | $1,525 | $1,315 | $1,407 | $3,685 | $4,778 | $1,686 | $1,839 |
| Progressive | $2,143 | $2,030 | $1,754 | $1,798 | $6,464 | $7,294 | $2,625 | $2,694 |
| State Farm | $1,690 | $1,690 | $1,479 | $1,479 | $4,434 | $5,645 | $1,889 | $2,132 |
| USAA | $1,523 | $1,516 | $1,356 | $1,392 | $4,422 | $5,416 | $1,911 | $2,134 |
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Minimum Car Insurance in Albany, MO
Every driver must carry the minimum car insurance in Albany, MO. Take a look at the Missouri car insurance requirements.
Minimum Required Car Insurance Coverage in Albany, Missouri
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Albany, MO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Albany, MO. Compare credit history car insurance rates in Albany from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Albany, Missouri
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,671 | $3,651 | $3,016 |
| American Family | $4,215 | $2,958 | $2,491 |
| Farmers | $4,717 | $3,919 | $3,728 |
| Geico | $4,104 | $2,672 | $2,137 |
| Liberty Mutual | $6,060 | $3,676 | $2,901 |
| Nationwide | $2,622 | $2,149 | $1,873 |
| Progressive | $3,889 | $3,207 | $2,955 |
| State Farm | $3,363 | $2,325 | $1,977 |
| USAA | $4,127 | $1,897 | $1,352 |
Cheapest Albany, MO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Albany, MO to rates for a clean record with top companies.
Annual Albany, Missouri Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,531 | $3,980 | $4,947 | $3,994 |
| American Family | $2,465 | $3,478 | $4,161 | $2,782 |
| Farmers | $3,590 | $4,417 | $4,323 | $4,156 |
| Geico | $2,388 | $3,000 | $3,932 | $2,565 |
| Liberty Mutual | $3,078 | $4,378 | $4,536 | $4,858 |
| Nationwide | $1,770 | $2,232 | $2,933 | $1,924 |
| Progressive | $2,959 | $3,817 | $3,233 | $3,392 |
| State Farm | $2,379 | $2,731 | $2,555 | $2,555 |
| USAA | $1,998 | $2,393 | $3,276 | $2,169 |
Read more: What are the DUI insurance laws in Missouri?
Cheapest Albany, MO Car Insurance for Teen Drivers
Teen car insurance in Albany, MO can be expensive. Take a look at rates from the top car insurance companies in Albany for teenagers.
Annual Car Insurance Rates for Teen Drivers in Albany, Missouri
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,916 | $8,591 |
| American Family | $5,644 | $7,378 |
| Farmers | $9,201 | $9,507 |
| Geico | $5,934 | $6,311 |
| Liberty Mutual | $8,499 | $9,439 |
| Nationwide | $3,685 | $4,778 |
| Progressive | $6,464 | $7,294 |
| State Farm | $4,434 | $5,645 |
| USAA | $4,422 | $5,416 |
Cheapest Albany, MO Car Insurance for Seniors
Take a look at Albany, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Albany, Missouri
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,566 | $2,647 |
| American Family | $1,900 | $1,900 |
| Farmers | $2,071 | $2,187 |
| Geico | $1,556 | $1,927 |
| Liberty Mutual | $2,157 | $2,419 |
| Nationwide | $1,315 | $1,407 |
| Progressive | $1,754 | $1,798 |
| State Farm | $1,479 | $1,479 |
| USAA | $1,356 | $1,392 |
Cheapest Albany, MO Car Insurance Rates After a DUI
A DUI in Albany, MO increases car insurance rates. Compare Albany, Missouri DUI car insurance by company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Albany, Missouri
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,947 |
| American Family | $4,161 |
| Farmers | $4,323 |
| Geico | $3,932 |
| Liberty Mutual | $4,536 |
| Nationwide | $2,933 |
| Progressive | $3,233 |
| State Farm | $2,555 |
| USAA | $3,276 |
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Cheapest Albany, MO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Albany, MO by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Albany, Missouri
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,113 | $4,113 |
| American Family | $3,189 | $3,254 |
| Farmers | $4,121 | $4,121 |
| Geico | $2,910 | $3,032 |
| Liberty Mutual | $4,212 | $4,212 |
| Nationwide | $2,215 | $2,215 |
| Progressive | $3,350 | $3,350 |
| State Farm | $2,493 | $2,617 |
| USAA | $2,369 | $2,548 |
The Best Cheap Car Insurance Companies in Albany, MO
Take a look at a side-by-side comparison of the top car insurance companies in Albany, MO to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Albany, Missouri
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,113 |
| American Family | $3,221 |
| Farmers | $4,121 |
| Geico | $2,971 |
| Liberty Mutual | $4,212 |
| Nationwide | $2,215 |
| Progressive | $3,350 |
| State Farm | $2,555 |
| USAA | $2,459 |
Category Winners: Cheapest Car Insurance in Albany, Missouri
Find the cheapest car insurance companies in Albany, MO for each category right here.
Best Annual Car Insurance Rates by Company in Albany, Missouri
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | Nationwide |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
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Cheapest Albany, MO Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Albany car insurance rates. Find the cheapest Albany, MO car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Albany, Missouri
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,976 | $4,105 | $4,258 |
| American Family | $3,148 | $3,325 | $3,191 |
| Farmers | $3,885 | $4,087 | $4,392 |
| Geico | $2,815 | $2,987 | $3,111 |
| Liberty Mutual | $3,993 | $4,231 | $4,413 |
| Nationwide | $2,095 | $2,233 | $2,316 |
| Progressive | $3,049 | $3,358 | $3,644 |
| State Farm | $2,428 | $2,561 | $2,675 |
| USAA | $2,371 | $2,452 | $2,554 |
What affects car insurance rates in Albany, Missouri?
What factors can have an impact on Albany, MO car insurance? There are several reasons why Albany car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Albany, Missouri.
Commute Time in Albany
The more time you spend in your car the higher the risk of an accident. The average commute length in Albany, MO is 16.2 minutes according to City-Data.
Traffic in Albany
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Albany, MO traffic data from INRIX ranks Albany as the 863rd-most congested in the world.
Compare Car Insurance Quotes in Albany, MO
Ready to find affordable Albany, Missouri car insurance today? Enter your ZIP code for fast, free Albany, MO car insurance quotes.
Frequently Asked Questions
How can I compare car insurance options in Albany, MO?
To compare car insurance options in Albany, MO, follow these steps:
- Assess your coverage needs: Determine the types and levels of coverage required for your vehicle.
- Obtain multiple quotes: Collect quotes from different insurance providers in Albany, MO.
- Compare coverage and premiums: Evaluate the coverage options and premiums offered by each insurer.
- Consider additional factors: Take into account customer reviews, the financial stability of the insurance company, available discounts, and the quality of customer service.
- Make an informed decision: Choose the car insurance policy that best fits your needs and budget.
What factors should I consider when comparing car insurance in Albany, MO?
When comparing car insurance in Albany, MO, consider the following factors:
- Coverage options: Evaluate the types of coverage available, such as liability, collision, comprehensive, uninsured/underinsured motorist coverage, and personal injury protection.
- Premiums: Compare the premiums quoted by different insurers for similar coverage.
- Deductibles: Consider the deductible amounts and how they impact your premiums.
- Discounts: Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for anti-theft devices.
- Customer reviews: Read reviews and ratings from other policyholders to gauge the customer service and claims handling of the insurance companies.
- Financial stability: Check the financial ratings of insurance companies from reputable sources to ensure they can meet their financial obligations.
Are there any specific car insurance requirements in Albany, MO?
Yes, there are specific car insurance requirements in Missouri, including Albany. The state requires drivers to carry liability insurance with the following minimum coverage limits:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
Can I get discounts on car insurance in Albany, MO?
Yes, many car insurance providers offer various discounts that can help lower your premiums in Albany, MO. Some common discounts include:
- Safe driver discounts: Offered to drivers with a clean driving record and no at-fault accidents.
- Multi-policy discounts: Available when you bundle multiple insurance policies, such as auto and home insurance, with the same provider.
- Good student discounts: Offered to students who maintain good grades.
- Anti-theft device discounts: Provided for vehicles equipped with anti-theft devices.
- Defensive driving course discounts: Available to drivers who complete an approved defensive driving course.
How can I lower my car insurance premiums in Albany, MO?
o lower your car insurance premiums in Albany, MO, consider the following:
- Shop around: Obtain quotes from multiple insurance providers to find the most competitive rates.
- Increase deductibles: Opting for a higher deductible can lower your premiums. However, ensure you can afford to pay the deductible in case of an accident.
- Maintain a good driving record: Avoid accidents and traffic violations, as a clean driving record often leads to lower premiums.
- Take advantage of discounts: Inquire about all available discounts and take advantage of those you qualify for.
- Bundle policies: Consider bundling your car insurance policy with other policies, such as home insurance, to receive multi-policy discounts.
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