Albany, OR
Auto and home insurance in Albany, Oregon
Commute, vehicle, and housing data for Albany, plus what it means for your auto and homeowners quotes. A quote is not a binder.
In Albany (57,156 people), 72% of workers commute by driving alone, compared with 64% across Oregon. Homeownership runs at 59%.
Albany driving profile
| Measure | Albany | Oregon |
|---|---|---|
| Drive alone to work | 72% | 64% |
| Carpool | 8% | 8% |
| Work from home | 14% | 19% |
| Commute of 45 minutes or more | 8% | 12% |
| Commute under 15 minutes | 42% | 32% |
| Households with no vehicle | 5% | 7% |
| Households with 3 or more vehicles | 24% | 24% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Albany commutes are shorter than the Oregon norm, with 8% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Fewer Albany workers telecommute (14%) than the state average, which means more cars on the road at rush hour.
24% of Albany households keep three or more vehicles, and 5% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Albany homes and homeowners coverage
Census figures put Albany's median home value at $389,200 (Oregon: $477,600) and its median year built at 1983. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Oregon HO-3 policyholders with $350,000–$399,999 of dwelling coverage paying an average of $919; the all-amounts state average was $1,003.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Albany drivers
Drivers in Albany must carry Oregon's minimum of 25/50/20 in liability coverage (pIP $15,000; uninsured motorist 25/50). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
One insurer or two for a Albany household
With 59% of households owning their home, bundling is an option for most Albany families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for Albany cars and homes
Around Albany, two exposures stand out: ice storms and wet winter driving. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
See FEMA's National Risk Index for local hazard scores.
How Albany compares in Oregon
In Portland, 52% own their home and 13% of households have three or more vehicles. In Salem, 56% own their home and 18% of households have three or more vehicles. Eugene: 61% drive alone, 6% commute 45+ minutes, median home $460,400. For share of 45-minute-plus commutes, Albany is 12th of 20 Oregon cities on this site.
What to have ready for a Albany quote
- Everyone in the household who drives
- Vehicle year, make, model, and VIN
- Current declarations pages for auto and home
- Liability limits you want
- Accidents, tickets, and claims from the last five years
- Annual mileage for each car
Questions from Albany drivers and homeowners
What auto insurance is required in Albany?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
Do Albany drivers have long commutes?
About 8% of Albany workers commute 45 minutes or more and 42% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Albany?
There is no single price. As context, Oregon HO-3 policies averaged $1,003 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Albany
Auto and home insurance in Oregon
Last updated October 15, 2026 · How we research