Best Cheap Auto Insurance in Troy, MI (2021)

The average Troy, MI auto insurance rates are $984 per month. The minimum auto insurance in Troy is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Troy, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Troy, MI for senior drivers are $7,760 per year
  • The most expensive auto insurance company in Troy for teen drivers is Allstate
  • The minimum auto insurance required in Troy, Michigan is 20/40/10

Troy, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in 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 Troy, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Troy to other Michigan cities, including Livonia auto insurance rates, Lansing auto insurance rates, and Detroit auto insurance rates to see how Troy, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Troy, Michigan

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 Troy, Michigan.

Minimum Required Auto Insurance Coverage in 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 Troy, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in 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 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 $18,185 $18,185 $16,838 $16,838 $46,463 $46,463 $19,181 $19,181
Farmers $7,455 $7,455 $6,886 $6,886 $17,051 $17,051 $8,457 $8,457
GEICO $5,886 $5,886 $6,034 $6,034 $16,086 $16,086 $5,601 $5,601
Liberty Mutual $16,564 $16,564 $16,402 $16,402 $38,633 $38,633 $16,564 $16,564
Nationwide $4,900 $4,900 $4,358 $4,358 $13,162 $13,162 $5,388 $5,388
Progressive $3,311 $3,049 $2,928 $3,289 $12,338 $13,098 $3,849 $3,510
State Farm $8,185 $8,185 $7,623 $7,623 $29,301 $29,301 $9,635 $9,635
Travelers $7,220 $7,220 $6,197 $6,197 $21,849 $21,849 $7,847 $7,847
USAA $2,618 $2,473 $2,467 $2,322 $6,510 $6,176 $3,193 $3,053

Cheap Troy, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Troy, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $46,463 $46,463
Farmers $17,051 $17,051
GEICO $16,086 $16,086
Liberty Mutual $38,633 $38,633
Nationwide $13,162 $13,162
Progressive $12,338 $13,098
State Farm $29,301 $29,301
Travelers $21,849 $21,849
USAA $6,510 $6,176

Cheap Troy, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Troy, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,838 $16,838
Farmers $6,886 $6,886
GEICO $6,034 $6,034
Liberty Mutual $16,402 $16,402
Nationwide $4,358 $4,358
Progressive $2,928 $3,289
State Farm $7,623 $7,623
Travelers $6,197 $6,197
USAA $2,467 $2,322

Cheap 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 Troy, Michigan compared to the annual auto insurance rates with a clean record in Troy, Michigan.

Annual Troy, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $12,100 $16,169 $55,315 $17,084
Farmers $8,288 $10,742 $10,541 $10,280
GEICO $2,893 $6,234 $19,064 $5,416
Liberty Mutual $15,105 $18,484 $35,018 $19,556
Nationwide $5,931 $7,978 $7,212 $6,688
Progressive $4,791 $6,334 $5,681 $5,881
State Farm $8,570 $10,349 $22,806 $13,019
Travelers $7,281 $10,416 $16,797 $8,619
USAA $2,894 $3,620 $4,739 $3,154

Cheap Troy, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Troy, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $55,315
Farmers $10,541
GEICO $19,064
Liberty Mutual $35,018
Nationwide $7,212
Progressive $5,681
State Farm $22,806
Travelers $16,797
USAA $4,739

Cheap Troy, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Troy, Michigan

Insurance Company Poor Fair Good
Allstate $38,065 $21,138 $16,298
Farmers $14,471 $7,994 $7,422
GEICO $10,829 $7,936 $6,440
Liberty Mutual $34,882 $20,136 $11,105
Nationwide $8,729 $6,565 $5,563
Progressive $6,547 $5,513 $4,955
State Farm $22,220 $11,226 $7,612
Travelers $11,048 $10,711 $10,575
USAA $5,382 $3,078 $2,345

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Cheap Troy, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Troy, Michigan

ZIP Code Average Annual Rates
48083 $8,950
48084 $8,251
48085 $7,983
48098 $8,310

Cheap Troy, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Troy, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $25,167 $25,167
Farmers $9,962 $9,962
GEICO $8,211 $8,593
Liberty Mutual $21,290 $22,791
Nationwide $6,952 $6,952
Progressive $5,672 $5,672
State Farm $13,318 $14,054
Travelers $10,716 $10,840
USAA $3,561 $3,643

Cheap Troy, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Troy, Michigan

Insurance Company Low Medium High
Allstate $24,518 $25,225 $25,759
Farmers $9,629 $9,930 $10,329
GEICO $7,826 $8,317 $9,062
Liberty Mutual $21,533 $21,991 $22,598
Nationwide $7,263 $6,839 $6,756
Progressive $5,483 $5,679 $5,853
State Farm $12,994 $13,771 $14,292
Travelers $10,660 $10,792 $10,882
USAA $3,480 $3,612 $3,713

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Best By Category: Cheapest Auto Insurance in Troy, Michigan

Compare the cheapest auto insurance companies in 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 Troy, Michigan

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

The Cheapest Troy, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Troy, Michigan

Insurance Company Average Annual Rates
Allstate $25,167
Farmers $9,962
GEICO $8,402
Liberty Mutual $22,041
Nationwide $6,952
Progressive $5,672
State Farm $13,686
Travelers $10,778
USAA $3,602

What affects auto insurance rates in Troy, Michigan?

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

Troy Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Troy, Michigan auto theft statistics, there have been 52 auto thefts in the city.

Troy Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Troy, Michigan commute length is 25.6 minutes according to City-Data.

Troy Traffic

How does Troy, Michigan rank for traffic? According to Inrix Troy, Michigan is the 789th most congested worldwide.

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Compare Troy, Michigan Auto Insurance Quotes

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