- For the cheapest car insurance in Albany, small SUV models like the Kia Soul, Subaru Crosstrek, Chevrolet Trailblazer, and Toyota Corolla Cross have the most affordable rates.
- Albany car insurance rates average $2,330 per year for full coverage, or about $194 per month.
- Car insurance rates for a few popular vehicles include the Nissan Sentra at $2,138 per year, Honda Civic at $2,066, and Subaru Outback at $1,986.
What are the cheapest cars to insure in Albany, Georgia?
The models with the cheapest average auto insurance rates in Albany, GA, tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Kia Soul, Hyundai Venue, and Toyota Corolla Cross. Average car insurance prices for vehicles ranked in the top ten cost $1,910 or less per year for a full coverage policy.
Additional vehicles that rank very well in the cost comparison table are the Honda HR-V, Volkswagen Tiguan, Kia Niro, and Buick Envista. The average insurance cost is a little higher for those models than the cheapest compact SUVs at the top of the list, but they still have average rates of $2,030 or less per year, or about $169 per month.
The table below shows the 40 cars, trucks, and SUVs with the cheapest insurance rates in Albany, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,724 | $144 |
| 2 | Chevrolet Trailblazer | $1,754 | $146 |
| 3 | Kia Soul | $1,820 | $152 |
| 4 | Nissan Kicks | $1,834 | $153 |
| 5 | Honda Passport | $1,858 | $155 |
| 6 | Buick Envision | $1,870 | $156 |
| 7 | Toyota Corolla Cross | $1,880 | $157 |
| 8 | Hyundai Venue | $1,894 | $158 |
| 9 | Mazda CX-5 | $1,902 | $159 |
| 10 | Ford Bronco Sport | $1,910 | $159 |
| 11 | Volkswagen Tiguan | $1,930 | $161 |
| 12 | Acura RDX | $1,950 | $163 |
| 13 | Nissan Murano | $1,958 | $163 |
| 14 | Buick Encore | $1,980 | $165 |
| 15 | Subaru Outback | $1,986 | $166 |
| 16 | Honda CR-V | $1,988 | $166 |
| 17 | Buick Envista | $1,994 | $166 |
| 18 | Volkswagen Taos | $1,998 | $167 |
| 19 | Kia Niro | $2,008 | $167 |
| 20 | Toyota GR Corolla | $2,026 | $169 |
| 21 | Subaru Ascent | $2,028 | $169 |
| 22 | Honda HR-V | $2,030 | $169 |
| 23 | Nissan Leaf | $2,044 | $170 |
| 24 | Chevrolet Colorado | $2,054 | $171 |
| 25 | Lexus NX 250 | $2,064 | $172 |
| 26 | Honda Civic | $2,066 | $172 |
| 27 | Volkswagen Atlas | $2,068 | $172 |
| 28 | Acura Integra | $2,074 | $173 |
| 29 | Subaru Forester | $2,076 | $173 |
| 30 | Volkswagen Atlas Cross Sport | $2,078 | $173 |
| 31 | Kia Seltos | $2,082 | $174 |
| 32 | GMC Terrain | $2,088 | $174 |
| 33 | Nissan Rogue | $2,096 | $175 |
| 34 | Hyundai Kona | $2,098 | $175 |
| 35 | Mazda CX-30 | $2,104 | $175 |
| 36 | Cadillac XT4 | $2,106 | $176 |
| 37 | Volkswagen ID4 | $2,114 | $176 |
| 38 | Ford Explorer | $2,116 | $176 |
| 39 | Toyota Highlander | $2,122 | $177 |
| 40 | Ford Escape | $2,128 | $177 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Albany, GA Zip Codes. Updated June 27, 2025
A few additional models that made the top 40 above include the Subaru Ascent, Subaru Forester, Kia Seltos, Volkswagen ID4, and Nissan Leaf. Average auto insurance rates for those models fall between $2,030 and $2,128 per year in Albany.
As a comparison, a few of the more expensive vehicles to insure include the Toyota Mirai which averages $2,902 per year, the Chevrolet Camaro that averages $3,032, and the Mercedes-Benz S560 that costs $4,098.
Average car insurance cost in Albany
The average price for car insurance in Albany is $2,330 per year, which is 4.8% more than the national average rate of $2,221 per year. The average monthly cost of car insurance in Albany is $194 for a policy that provides full coverage.
In the state of Georgia, average car insurance cost is $2,514 per year, so the cost in Albany averages $184 less per year. The cost to insure a car in Albany compared to other Georgia locations is around $36 per year cheaper than in Athens, $18 per year less than in Augusta, and $214 per year cheaper than in Savannah.
The chart below summarizes car insurance cost in Albany, GA, for different common policy situations. Rates are averaged for all Albany Zip Codes and shown based on a variety of driver ages and policy risk profiles.
The average cost of car insurance per month in Albany is $194, and ranges from $162 to $447 for the data in the prior chart.
Car insurance rates are not the same for everyone and can change frequently. This variability increases the need to get multiple auto insurance quotes when shopping for the cheapest auto insurance.
The age of the rated driver makes a big difference in the price you pay for auto insurance. The list below details how age impacts cost by showing the difference in average car insurance rates depending on driver age.
Average car insurance cost for Albany, GA, drivers age 16 to 60
- 16 year old – $8,305 per year or $692 per month
- 17 year old – $8,046 per year or $671 per month
- 18 year old – $7,211 per year or $601 per month
- 19 year old – $6,569 per year or $547 per month
- 20 year old – $4,692 per year or $391 per month
- 30 year old – $2,488 per year or $207 per month
- 40 year old – $2,330 per year or $194 per month
- 50 year old – $2,066 per year or $172 per month
- 60 year old – $1,934 per year or $161 per month
The rates shown above for teen drivers were based on the rated driver being male. The chart below separates average teen driver car insurance rates by gender. In general, females have cheaper auto insurance rates, in particular for ages 20 and below.
Car insurance for a female 16-year-old driver in Albany costs an average of $546 less per year than the cost for a male driver, while at age 19, the cost difference is smaller but females still pay an average of $1,014 less per year.
Insurance cost for popular models
The rates mentioned previously are the average cost across all 2024 model year vehicles, which is helpful for making big picture comparisons such as the cost for different driver ages or locations. Average auto insurance rates are terrific when trying to find the answer to questions like “are Albany car insurance rates cheaper than in Columbus?” or “is car insurance cheaper in Georgia or Colorado?”.
For deeper auto insurance comparisons, however, we need to compare rates for the specific model of vehicle being insured. Each individual model has it’s own exposure profile for calculating how much auto insurance costs and this data enables us to make more detailed insurance cost analysis.
The next chart displays average car insurance rates for some of the most popular cars, trucks, and SUVs that you will find driving around Albany.
If the list of popular models is compared to the previous table showing the top 40 vehicles with the cheapest car insurance rates, the majority do not rank in the top 40.
Expensive insurance could be due to things like a higher-priced vehicle, like an Audi SQ7 with an average price of $90,400 or a BMW X5 with an average MSRP of $65,200, or possibly an increased likelihood of liability claims like a Ford F-250 Super Duty pickup or a GMC Yukon XL.
Key concepts covered
Here’s a quick summary of the key concepts covered above.
- Insurance for teenagers gets very expensive – Average cost ranges from $5,555 to $8,305 per year for insurance on a teen driver in Albany, Georgia.
- Albany auto insurance rates are cheaper than the Georgia state average – $2,330 (Albany average) versus $2,514 (Georgia average)
- Albany, Georgia, average car insurance cost is more than the U.S. average – $2,330 (Albany average) versus $2,221 (U.S. average)
- Lower deductible auto insurance is more expensive than high deductible – A 30-year-old driver pays an average of $632 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
- Car insurance costs less as you age – Average rates for a 50-year-old driver in Albany are $2,626 per year cheaper than for a 20-year-old driver.