Best Cheap Auto Insurance in New Troy, MI (2021)

The average New Troy, MI auto insurance rates are $722 per month. The minimum auto insurance in New Troy is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in New Troy, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in New Troy, MI for senior drivers are $5,720 per year
  • The minimum auto insurance required in New Troy, Michigan is 20/40/10
  • The cheapest auto insurance company in New Troy is USAA

New Troy, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in New Troy can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in New Troy, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in New Troy to other Michigan cities, including Sterling Heights auto insurance rates, Troy auto insurance rates, and Warren auto insurance rates to see how New Troy, Michigan auto insurance rates stack up.

Before you buy New Troy, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free New Troy, Michigan auto insurance quotes.

Minimum Auto Insurance in New Troy, Michigan

New Troy, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in New Troy, Michigan.

Minimum Required Auto Insurance Coverage in New Troy, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap New Troy, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in New Troy, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in New Troy, Michigan

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 $14,600 $14,600 $13,590 $13,590 $36,020 $36,020 $15,375 $15,375
Farmers $3,826 $3,826 $3,568 $3,568 $8,635 $8,635 $4,310 $4,310
GEICO $3,306 $3,306 $3,398 $3,398 $9,596 $9,596 $3,165 $3,165
Liberty Mutual $12,179 $12,179 $12,062 $12,062 $28,240 $28,240 $12,179 $12,179
Nationwide $4,901 $4,901 $4,360 $4,360 $13,163 $13,163 $5,390 $5,390
Progressive $2,976 $2,764 $2,633 $2,937 $10,917 $11,633 $3,462 $3,197
State Farm $5,783 $5,783 $5,375 $5,375 $20,337 $20,337 $6,791 $6,791
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,721 $2,559 $2,563 $2,408 $6,659 $6,279 $3,302 $3,142

Cheap New Troy, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in New Troy, Michigan is a challenge. Take a look at the annual teen auto insurance rates in New Troy, Michigan.

Annual Auto Insurance Rates for Teen Drivers in New Troy, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,020 $36,020
Farmers $8,635 $8,635
GEICO $9,596 $9,596
Liberty Mutual $28,240 $28,240
Nationwide $13,163 $13,163
Progressive $10,917 $11,633
State Farm $20,337 $20,337
Travelers $13,395 $13,395
USAA $6,659 $6,279

Cheap New Troy, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in New Troy, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in New Troy, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,590 $13,590
Farmers $3,568 $3,568
GEICO $3,398 $3,398
Liberty Mutual $12,062 $12,062
Nationwide $4,360 $4,360
Progressive $2,633 $2,937
State Farm $5,375 $5,375
Travelers $3,858 $3,858
USAA $2,563 $2,408

Cheap New Troy, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in New Troy, Michigan compared to the annual auto insurance rates with a clean record in New Troy, Michigan.

Annual New Troy, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,604 $12,880 $43,593 $13,507
Farmers $4,269 $5,444 $5,372 $5,253
GEICO $1,696 $3,632 $10,981 $3,155
Liberty Mutual $11,060 $13,540 $25,747 $14,313
Nationwide $5,932 $7,980 $7,214 $6,689
Progressive $4,294 $5,640 $5,073 $5,252
State Farm $6,061 $7,282 $15,830 $9,114
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,977 $3,723 $4,873 $3,244

Cheap New Troy, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in New Troy, Michigan is not easy. Compare the annual rates for DUI auto insurance in New Troy, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in New Troy, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $43,593
Farmers $5,372
GEICO $10,981
Liberty Mutual $25,747
Nationwide $7,214
Progressive $5,073
State Farm $15,830
Travelers $10,331
USAA $4,873

Cheap New Troy, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how New Troy, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in New Troy, Michigan

Insurance Company Poor Fair Good
Allstate $30,165 $16,740 $12,783
Farmers $6,683 $4,455 $4,116
GEICO $6,248 $4,601 $3,749
Liberty Mutual $25,550 $14,772 $8,173
Nationwide $8,730 $6,567 $5,565
Progressive $5,839 $4,920 $4,436
State Farm $15,499 $7,862 $5,353
Travelers $6,813 $6,608 $6,525
USAA $5,540 $3,168 $2,404

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Cheap New Troy, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in New Troy, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in New Troy, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in New Troy, Michigan

ZIP Code Average Annual Rates
49119 $6,146

Cheap New Troy, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect New Troy, Michigan auto insurance. Find the cheapest annual New Troy, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in New Troy, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,896 $19,896
Farmers $5,085 $5,085
GEICO $4,758 $4,974
Liberty Mutual $15,619 $16,711
Nationwide $6,954 $6,954
Progressive $5,065 $5,065
State Farm $9,317 $9,826
Travelers $6,611 $6,686
USAA $3,662 $3,747

Cheap New Troy, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in New Troy, Michigan? Check out the comparison of annual New Troy, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in New Troy, Michigan

Insurance Company Low Medium High
Allstate $19,285 $19,950 $20,453
Farmers $4,977 $5,075 $5,202
GEICO $4,510 $4,818 $5,270
Liberty Mutual $15,685 $16,118 $16,693
Nationwide $7,234 $6,848 $6,779
Progressive $4,892 $5,073 $5,230
State Farm $9,102 $9,629 $9,983
Travelers $6,575 $6,656 $6,715
USAA $3,584 $3,715 $3,814

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Best By Category: Cheapest Auto Insurance in New Troy, Michigan

Compare the cheapest auto insurance companies in New Troy, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in New Troy, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI USAA
With 1 Speeding Violation GEICO

The Cheapest New Troy, Michigan Auto Insurance Companies

What auto insurance companies in New Troy, Michigan are the cheapest? Compare the top New Troy, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in New Troy, Michigan

Insurance Company Average Annual Rates
Allstate $19,896
Farmers $5,085
GEICO $4,866
Liberty Mutual $16,165
Nationwide $6,954
Progressive $5,065
State Farm $9,571
Travelers $6,649
USAA $3,704

What affects auto insurance rates in New Troy, Michigan?

There are a lot of reasons why auto insurance rates in New Troy, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in New Troy, Michigan. Many local factors may affect your New Troy auto insurance rates.

New Troy Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average New Troy, Michigan commute length is 21.0 minutes according to City-Data.

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Compare New Troy, Michigan Auto Insurance Quotes

Before you buy New Troy, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free New Troy, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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