Best Albany, Missouri Auto Insurance in 2024 (Compare the Top 10 Companies)
The average Albany, MO auto insurance rates are $271 per month. The minimum auto insurance in Albany is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Albany, Missouri, compare quotes from multiple companies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Sep 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsCompany Facts
Full Coverage in Albany Missouri
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
19,116 reviewsCompany Facts
Full Coverage in Albany Missouri
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
11,413 reviewsCompany Facts
Full Coverage in Albany Missouri
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviewsState Farm, Geico, and Allstate are best Albany, Missouri auto insurance that offer cheapest rate starting at $55 per month.
Albany, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Albany can seem like a difficult task, but all of the information you need is right here.
Our Top 10 Company Picks: Best Albany, Missouri Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Young Drivers | State Farm |
 | #2 | 15% | A++ | Budget-Friendly | Geico |
 | #3 | 10% | A+ | Comprehensive Plans | Allstate |
 | #4 | 12% | A+ | High-Risk | Progressive |
 | #5 | 15% | A | Custom Coverage | Farmers |
 | #6 | 20% | A | Family-Oriented | American Family |
 | #7 | 10% | A+ | Nationwide Reach | Nationwide |
 | #8 | 12% | A | Custom Plans | Liberty Mutual |
 | #9 | 10% | A++ | Military Members | USAA |
 | #10 | 25% | A+ | Customer Satisfaction | Erie |
Compare auto insurance in Albany to other Missouri cities, including Kansas City auto insurance rates, Lee’s Summit auto insurance rates, and O’Fallon auto insurance rates to see how Albany, Missouri auto insurance rates stack up. Enter your ZIP code above to get free Albany, Missouri auto insurance quotes.
- The average commute length in Albany is 16.2 minutes
- The most expensive auto insurance in Albany for teen drivers is Farmers
- The cheapest auto insurance company in Albany is USAA
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#1 – State Farm: Top Overall Pick
Pros
- Extensive Agent Network: State Farm has a large network of local agents, offering personalized service and support. This makes it easy to find a nearby representative for your policy needs, enhancing its reputation as the best Albany, Missouri auto insurance.
- Comprehensive Coverage Options: Provides various coverage options, including roadside assistance and rental car reimbursement. These additional services can help ensure that Albany drivers are covered in almost any situation.
- Discounts for Safe Drivers: Offers discounts for customers with good driving records, making it one of the cheapest options for safe drivers. State Farm is often seen as the best Albany, Missouri auto insurance due to these valuable savings opportunities.
Cons
- Higher Rates for High-Risk Drivers: Rates can be significantly higher for individuals with a history of accidents or violations. This can make it less ideal for Albany residents seeking affordable insurance after an accident.
- Limited Online Resources: Some services and tools are not fully accessible online, requiring in-person visits or phone calls. This can be inconvenient for those in Albany looking for more flexible, digital policy management.
#2 – Geico: Best for Budget-Friendly
Pros
- Affordable Rates: Known for budget-friendly pricing and competitive rates, especially for basic coverage. Many in Albany, Missouri, find Geico to be the best option for those who want to minimize their monthly premiums.
- Strong Mobile App: Highly rated mobile app with features for easy claims processing and policy management. This makes it convenient for Albany drivers to manage their insurance anytime, anywhere.
- Wide Range of Discounts: Offers multiple discounts for things like bundling, good student status, and military affiliation. These discounts make Geico a top contender for best Albany, Missouri auto insurance.
Cons
- Limited Local Agents: Fewer local agents compared to some competitors, which may affect personalized customer service. Albany residents who prefer face-to-face interactions might find this a drawback.
- Specialized Coverage Gaps: Does not offer certain niche coverages like gap insurance in some areas. This could limit coverage flexibility for those in Albany needing specialized protection.
#3 – Allstate: Best for Comprehensive Plans
Pros
- Strong Comprehensive Plans: Offers robust coverage options, including accident forgiveness and new car replacement. These features can make Allstate a leading choice for best Albany, Missouri auto insurance.
- Multiple Bundling Options: Discounts available when bundling auto insurance with home, renters, or life insurance policies. This provides cost-saving opportunities for Albany residents with multiple insurance needs.
- High Customer Satisfaction: Generally favorable reviews for customer service and claim satisfaction. With positive customer feedback, Allstate remains a popular choice for best Albany, Missouri auto insurance.
Cons
- Higher Premiums: Often more expensive than other providers, especially for basic liability coverage. This can make it less attractive for those in Albany seeking low-cost insurance options.
- Limited Discounts for Low Mileage: Fewer incentives for drivers who travel less frequently. Albany drivers with low annual mileage might not benefit from significant savings.
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#4 – Progressive: Best for High-Risk
Pros
- Competitive Rates for High-Risk Drivers: Specializes in offering affordable options for high-risk drivers. This focus can make Progressive the best Albany, Missouri auto insurance for those with less-than-perfect driving records.
- Snapshot Program for Savings: Offers a usage-based insurance program that can lower rates for safe drivers. Albany drivers who drive safely can benefit from customized savings.
- Wide Range of Coverages: Provides unique coverages like pet injury protection and custom parts replacement. This variety makes it appealing for Albany residents looking for tailored insurance options.
Cons
- Mixed Customer Service Reviews: Some customers report less-than-satisfactory experiences with claims handling. This inconsistency might concern Albany residents seeking reliable service.
- Potential Rate Increases: Rates can increase significantly after the first term, especially without consistent safe driving. This could deter Albany drivers looking for stable long-term pricing.
#5 – Farmers: Best for Custom Coverage
Pros
- Customizable Coverage: Offers various coverage add-ons to tailor policies to individual needs, including glass repair and rideshare coverage. This flexibility is key for those in Albany who want the best auto insurance that suits their unique requirements.
- Good for Drivers with Tickets: Provides reasonable rates and flexible payment options for drivers with minor violations. Albany residents with a less-than-perfect record can find affordable coverage here.
- Solid Reputation for Claims: Known for efficient claims handling and responsive customer service. This makes Farmers a reliable option for the best Albany, Missouri auto insurance.
Cons
- Average Rates for Young Drivers: Offers fewer discounts for younger drivers, resulting in higher premiums. Albany’s younger population may find this limiting.
- Limited Online Tools: Website and app have fewer features compared to competitors, impacting convenience. This could be a downside for tech-savvy Albany residents.
#6 – American Family: Best for Family-Oriented
Pros
- Great for Families: Offers family-oriented policies with multi-car and loyalty discounts. These discounts can make American Family a favorite for best Albany, Missouri auto insurance for families.
- Strong Customer Service: High marks for customer support and personalized assistance from local agents. This reputation makes it a strong contender for customer loyalty in Albany.
- Flexible Payment Options: Provides flexible payment plans and options for premium payments. Albany residents can enjoy the ease of managing their finances with these flexible terms.
Cons
- Not Available Nationwide: Coverage is not available in all states, limiting accessibility. This may not be an issue for Albany residents but could impact those who move frequently.
- Average Mobile Experience: The mobile app is functional but less advanced than competitors. Albany drivers might find it lacking in digital tools and services.
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#7 – Nationwide: Best for Nationwide Reach
Pros
- National Coverage: Extensive network across all 50 states, ideal for frequent travelers or those relocating. Albany residents with plans to move or travel frequently may find this beneficial.
- Vanishing Deductible Program: Deductibles decrease over time with safe driving, offering long-term savings. This makes Nationwide an appealing choice for best Albany, Missouri auto insurance.
- Strong Digital Tools: Excellent website and mobile app for managing policies and filing claims. This feature is particularly advantageous for Albany residents who prefer online services.
Cons
- Higher Rates for Teen Drivers: Premiums can be higher for younger, inexperienced drivers. This may make it less attractive for families with teen drivers in Albany.
- Limited Local Presence: Fewer local offices, which may impact in-person support. Albany residents who prefer face-to-face service may need to look elsewhere.
#8 – Liberty Mutual: Best for Custom Plans
Pros
- Customizable Plans: Offers a variety of custom plans that allow customers to choose the exact coverage they need. This flexibility can make Liberty Mutual a top choice for best Albany, Missouri auto insurance.
- Good Discounts for Bundling: Attractive savings for bundling home, auto, and other policies. Albany residents can save significantly by combining policies under one provider.
- Roadside Assistance Coverage: Offers comprehensive roadside assistance coverage options. This can be crucial for Albany drivers who need reliable support on the road.
Cons
- Mixed Customer Reviews: Feedback on claims and customer service is inconsistent. Albany residents may want to consider this before choosing Liberty Mutual.
- Higher-than-Average Rates: Premiums may be higher than competitors for some coverage levels. This could make it less ideal for those seeking the cheapest Albany, Missouri auto insurance.
9 – USAA: Best for Military Members
Pros
- Best for Military Members: Tailored services and exclusive discounts for military personnel and their families. This focus makes USAA the best Albany, Missouri auto insurance for military families.
- Top-Rated Customer Satisfaction: Consistently high ratings for customer service and claims processing. Albany residents who qualify can benefit from the high satisfaction levels reported by USAA customers.
Competitive Rates: Often offers lower rates than most competitors, particularly for military families. This affordability makes it a strong contender for best Albany, Missouri auto insurance.
Cons
- Membership Restrictions: Only available to military members, veterans, and their families. Albany residents outside of this group cannot access USAA services.
- Limited Local Branches: Fewer local offices, which may limit face-to-face interactions. This could be a disadvantage for Albany residents who prefer in-person service.
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#10 – Erie: Best for Customer Satisfaction
Pros
- Excellent Customer Satisfaction: Highly rated for customer satisfaction, especially in the Midwest and Northeast. This strong reputation makes Erie one of the best Albany, Missouri auto insurance providers.
- Unique Coverage Options: Offers unique coverages like personal item coverage and rate lock options. Albany drivers seeking specialized protection can find these options particularly attractive. These features ensure that Erie caters to various needs, making it a top choice for best Albany, Missouri auto insurance.
- Affordability for Basic Coverage: Known for competitive rates on basic coverage, Erie can be a cost-effective option for many drivers in Albany. This affordability is especially appealing to those who prioritize budget-friendly insurance.
Cons
- Limited Availability: Only available in a select number of states, primarily in the Midwest and Northeast. While accessible to Albany residents, those planning to relocate outside Erie’s service area might find coverage gaps.
- Few Online Tools: Lacks the advanced digital tools and mobile app features offered by larger competitors. This could be a drawback for tech-savvy Albany drivers looking for a more seamless online experience.
Minimum Auto Insurance in Albany, Missouri
Albany, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Albany, Missouri.
Albany, Missouri Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $52 | $148 |
| American Family | $37 | $106 |
| Erie | $39 | $112 |
| Farmers | $48 | $135 |
| Geico | $32 | $90 |
| Liberty Mutual | $46 | $129 |
| Nationwide | $23 | $66 |
| Progressive | $35 | $98 |
| State Farm | $30 | $85 |
| USAA | $18 | $50 |
Minimum Required Auto Insurance Coverage in Albany, Missouri
State Farm, Geico, and Allstate are best Albany, Missouri auto insurance that offer cheapest rate among the others.
Cheap Albany, Missouri Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Albany, Missouri? Check out the comparison of annual Albany, Missouri auto insurance rates by coverage level.
Annual Auto 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 |
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Best By Category: Cheapest Auto Insurance in Albany, Missouri
Compare the cheapest auto insurance companies in Albany, Missouri in each category to find the company with the best rates for your personal needs.
Best Annual Auto 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 |
The Cheapest Albany, Missouri Auto Insurance Companies
What auto insurance companies in Albany, Missouri are the cheapest? Compare the top Albany, Missouri auto insurance companies to find the best annual rates.
Average Annual Auto 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 |
What affects auto insurance rates in Albany, Missouri?
There are a lot of reasons why auto insurance rates in Albany, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Albany, Missouri. Many local factors may affect your Albany auto insurance rates.
Albany Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs.
The average Albany, Missouri commute length is 16.2 minutes according to City-Data.
Albany Traffic
How does Albany, Missouri rank for traffic? According to Inrix Albany, Missouri is the 863rd most congested worldwide.
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Compare Albany, Missouri Auto Insurance Quotes
Before you buy Albany, Missouri auto insurance, make sure you have compared rates from multiple companies to find the most competitive option.
It's essential to evaluate the coverage options, customer service, and discounts each provider offers to ensure you're getting the best Albany, Missouri auto insurance tailored to your needs and budget.Kristen Gryglik Insurance Agent
By taking the time to compare, you can secure a policy that offers comprehensive protection at a price that suits you. You may consider State Farm, Geico, and Allstate are best Albany, Missouri auto insurance that offer cheapest rate. Enter your ZIP code below to get free Albany, Missouri auto insurance quotes.
Frequently Asked Questions
What should I do if I’m involved in an auto accident in Albany, MO?
If you’re involved in an auto accident in Albany, MO, follow these six steps:
- Ensure your safety and the safety of others involved.
- Call emergency services if necessary.
- Exchange information with the other driver(s) involved, including names, contact details, and insurance information.
- Document the accident scene by taking photos and gathering witness information.
- Notify your insurance company as soon as possible to report the accident.
- Cooperate with the insurance company’s investigation and provide any requested documentation or information.
How are auto insurance premiums determined in Albany, MO?
Auto insurance rates in Albany, MO are determined by various factors, including the following eight common ones:
- Driving record
- Age
- Gender
- Marital status
- Type of vehicle
- Annual mileage
- Credit history
- Coverage options you choose
Insurance companies also consider local factors such as the area’s crime rate and accident statistics.
Can I customize my auto insurance coverage in Albany, MO?
Yes, you can customize your auto insurance coverage in Albany, MO. Insurance providers offer various optional coverages and add-ons, such as collision coverage, comprehensive coverage, rental reimbursement, roadside assistance, and more. These can be added to your policy to enhance your protection and tailor it to your specific needs.
What is uninsured/underinsured motorist coverage?
Uninsured/underinsured motorist (UM/UIM) coverage protects you if you’re involved in an accident with a driver who either doesn’t have insurance or doesn’t have enough insurance to cover the damages. It helps pay for your medical expenses, lost wages, and other damages caused by the at-fault party.
What does liability insurance cover?
Liability insurance covers the cost of injuries or property damage caused to others in an accident where you are at fault. It includes bodily injury liability, which covers medical expenses, lost wages, and legal fees, and property damage liability, which covers the cost of repairing or replacing damaged property.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
