Best Troy, Michigan Auto Insurance in 2024
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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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 14, 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: Oct 14, 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.
On This Page
- 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.
Frequently Asked Questions
What is the average auto insurance rate in Troy, MI?
The average auto insurance rate in Troy, MI is $984 per month.
What is the minimum auto insurance coverage required in Troy, MI?
The minimum auto insurance coverage required in Troy, MI is 20/40/10, as per Michigan auto insurance laws.
How can I find the best cheap auto insurance in Troy, MI?
To find the best cheap auto insurance in Troy, MI, it is recommended to compare quotes from multiple companies.
How do age, gender, and marital status affect auto insurance rates in Troy, MI?
Age, gender, and marital status can impact auto insurance rates in Troy, MI. Demographics play a role in determining the annual cost of insurance.
What factors affect auto insurance rates in Troy, MI?
Auto insurance rates in Troy, MI are influenced by various factors such as driving record, credit history, commute time, location, and more.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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.