Compare Troy, MI Car Insurance Rates [2024]
Car insurance in Troy, MI averages $984 a month. Troy, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Troy car insurance rates, compare quotes from the top car insurance companies in Troy, MI.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Jul 19, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Jul 19, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Troy, MI are $11,807/year
- Average car insurance rates in Troy, MI after a DUI are $19,686/year
- The cheapest car insurance company in Troy is USAA
If you need to buy Troy, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Troy, MI is right here.
You’ll find Troy car insurance rates, the cheapest Troy, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Troy, Michigan car insurance rates to Warren car insurance rates, Lansing car insurance rates, and Troy car insurance rates.
Ready to find affordable Troy, MI car insurance today? Enter your ZIP code for fast, free Troy car insurance quotes.
Cheapest Troy, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Troy, MI car insurance rates? Every Troy, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Troy, MI
Every driver must carry the minimum car insurance in Troy, MI. Take a look at the Michigan car insurance requirements.
| 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 |
Cheapest Troy, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Troy, MI. Compare credit history car insurance rates in Troy from top companies for good, fair, and poor credit.
| 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 |
Cheapest Troy, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Troy, MI to rates for a clean record with top companies.
| 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 |
Cheapest Troy, MI Car Insurance for Teen Drivers
Teen car insurance in Troy, MI can be expensive. Take a look at rates from the top car insurance companies in Troy for teenagers.
| 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 |
Cheapest Troy, MI Car Insurance for Seniors
Take a look at Troy, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Troy, MI Car Insurance Rates After a DUI
A DUI in Troy, MI increases car insurance rates. Compare Troy, Michigan DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car 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 |
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Cheapest Troy, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Troy, MI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 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 |
Cheapest Troy, MI Car Insurance Rates by ZIP Code
Troy car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Troy, MI.
| ZIP Code | Average Annual Rates |
|---|---|
| 48083 | $8,950 |
| 48084 | $8,251 |
| 48085 | $7,983 |
| 48098 | $8,310 |
The Best Cheap Car Insurance Companies in Troy, MI
Take a look at a side-by-side comparison of the top car insurance companies in Troy, MI to find the best option for your needs.
| 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 |
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Category Winners: Cheapest Car Insurance in Troy, Michigan
Find the cheapest car insurance companies in Troy, MI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Troy, MI Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Troy car insurance rates. Find the cheapest Troy, MI car insurance rates by coverage level.
| 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 |
What affects car insurance rates in Troy, Michigan?
What factors can have an impact on Troy, MI car insurance? There are several reasons why Troy car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Troy, Michigan.
Car Theft in Troy
High levels of vehicle theft can make car insurance more expensive. Troy, MI car theft statistics from the FBI indicate 52 vehicle thefts a year.
Commute Time in Troy
The more time you spend in your car the higher the risk of an accident. The average commute length in Troy, MI is 25.6 minutes according to City-Data.
Traffic in Troy
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Troy, MI traffic data from INRIX ranks Troy as the 789th-most congested in the world.
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Compare Car Insurance Quotes in Troy, MI
Ready to find affordable Troy, Michigan car insurance today? Enter your ZIP code for fast, free Troy, MI car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Troy, MI?
The average monthly car insurance rate in Troy, MI is $984.
What are the car insurance requirements in Troy, Michigan?
The car insurance requirements in Troy, Michigan are 20/40/10. However, if your car is financed, you may need full coverage insurance.
How can I find cheap car insurance rates in Troy, MI?
To find cheap car insurance rates in Troy, MI, you can compare quotes from the top car insurance companies in the area.
How do age, gender, and marital status affect car insurance rates in Troy, MI?
Each car insurance company in Troy, MI weighs age, gender, and marital status differently when determining rates. It’s recommended to compare rates to find the best option for you.
What is the minimum car insurance required in Troy, MI?
Every driver in Troy, MI must carry the minimum car insurance required by the state. You can check the specific requirements for Michigan car insurance.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
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.