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Search by Quote ID → Search by Date of BirthMercury Car Insurance in Albany
Whether you’re commuting to work in downtown Albany, driving around historic neighborhoods like Pine Hills, or heading out for a scenic drive along the Hudson River, Mercury offers customizable auto insurance policies to fit your specific needs. Contact us today to get a personalized quote and experience the peace of mind that comes with reliable, affordable coverage.
Why Choose Mercury?
- Affordable rates: We offer some of the most competitive rates in Albany, helping you save money without sacrificing quality coverage.
- Exceptional customer service: Our local agents are familiar with the Albany area and ready to help you navigate your insurance options, file claims, and answer any questions.
- Discounts: Take advantage of various discounts, including multi-car, good driver, and bundling home and auto insurance for additional savings.
Is Auto Insurance Mandatory in Albany?
Yes, auto insurance is mandatory in Albany. As part of New York State, drivers must carry a minimum level of insurance coverage to legally operate a vehicle. Understanding the legal requirements and optional coverages can help you stay compliant and better protect yourself on the road.
Legal Requirements to Drive in Albany
According to the New York State Department of Financial Services, you must have the following minimum coverages to drive legally in Albany:
- Liability protection: This covers damages and injuries you may cause to others in an accident. New York State requires:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $10,000 for property damage per accident
- Personal injury protection (PIP): PIP covers medical expenses, lost wages, and other related costs, regardless of who’s at fault. The minimum requirement in New York is $50,000 per person.
- Uninsured/underinsured motorist coverage: This coverage protects you if you’re in an accident with a driver who has insufficient or no insurance. The minimum required is:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
Having these coverages ensures that you meet New York State laws and helps protect you financially in the event of an accident.
Contact us today for a fast, free quote!Optional Coverages in Albany
While the minimum coverages are required by law, you can choose to add optional coverages for enhanced protection:
- Collision protection: This coverage pays for repairs to your vehicle if it’s damaged in an accident, regardless of fault.
- Comprehensive coverage: This covers non-collision-related damages to your car, such as theft, vandalism, or natural disasters.
- Rental car: This covers the cost of a rental car while your vehicle is being repaired after a covered incident.
What Does Albany Auto Insurance Not Cover?
There are certain situations and damages that standard policies typically don’t cover. Here are some common auto policy exclusions:
- Intentional damage: Any damages you cause intentionally are not covered. For example, if you purposely damage your own vehicle, your insurance won’t pay for repairs.
- Wear and tear: Regular maintenance and normal wear and tear on your vehicle are not covered by auto insurance. This includes things like oil changes, brake pad replacements, and tire wear.
- Business use: If you use your personal vehicle for business purposes, such as delivering goods, your standard auto insurance policy may not provide coverage. You might need a business auto insurance policy.
- Racing and speed tests: Any damages incurred while participating in racing events or speed tests are typically excluded from coverage.
- Personal belongings: If personal property gets damaged or stolen inside your car — e.g., laptops, phones, tablets, etc. — your auto insurance policy won’t cover your losses. You need homeowners or renters insurance to get coverage.
Get Cheap Auto Insurance in Albany from Mercury
Save More with Discounts
At Mercury, we believe that safe driving and responsible behavior should be rewarded. That’s why we offer numerous discounts to help you save on your auto insurance. Some of our most popular discounts include:
- Good driver discount: Save money if you have a clean driving record with no accidents or violations.
- Multi-car discount: Insure more than one vehicle with Mercury and get a discount on your policy.
- Good student discount: If you or a family member is a student with good grades, you may qualify for additional savings.
- Anti-theft feature discount: Installing anti-theft devices in your vehicle can lead to lower insurance premiums.
- Pay-in-full discount: Paying your policy in full rather than in installments can result in a discount.
These are just a few of the ways you can save with Mercury. Contact us to find out more about the discounts you qualify for and start saving today.
Bundling with Mercury
Bundling your insurance policies with Mercury can lead to even greater savings. By combining your auto insurance with home or renters coverage, you can simplify your insurance needs and enjoy discounts.
- Albany home insurance: Protect your home and belongings with our home insurance policies. Our coverage helps safeguard you and your investment from various risks, including fire, theft, vandalism, and wind damage.
- Albany renters insurance: If you’re renting an apartment or house in Albany, our renters insurance provides valuable protection for your personal property
Albany Car Insurance FAQ
How much does car insurance cost in Albany?
According to Value Penguin, the average cost of car insurance in Albany is $59 per month for minimum coverage and $117 per month for full coverage.
How can I lower my car insurance in NY?
To lower your car insurance in New York, consider taking advantage of discounts and bundling your home and auto insurance. Additionally, maintaining a good credit score and opting for a higher deductible can also help reduce your premiums.
Is car insurance cheaper in Albany?
According to Value Penguin, the average cost of car insurance in New York State is $88 per month for minimum coverage and $169 per month for full coverage. Albany’s averages are lower — $59 per month for minimum coverage and $117 per month for full coverage.
Can you drive in Upstate New York without insurance?
No, car insurance is mandatory for all New York drivers.
How to find the cheapest car insurance in Albany?
When it comes to finding the cheapest car insurance in Albany, it’s hard to beat Mercury. We’ll help you save by allowing you to bundle your auto insurance with other policies, plus you’ll benefit from our competitive rates and numerous discount options. Get a personalized quote from Mercury today and see how much you can save.
What products does Mercury offer in Albany?
Mercury offers the following products to Albany residents: