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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Troy for teen drivers is USAA
  • Average car insurance rates in Troy, AL for senior drivers are $1,884/year
  • The annual number of car thefts in Troy is 56.

Average car insurance rates in Troy, Alabama are $294 a month. But with a little research you can get a great deal from the top car insurance companies in Troy, AL. Before you buy Troy, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Troy car insurance rates with Hoover car insurance rates, Dothan car insurance rates, or Auburn car insurance rates to make sure you’re getting the best Troy, AL car insurance quotes available.

Need affordable Troy, AL car insurance? Enter your ZIP code to compare Troy car insurance quotes from multiple car insurance companies near you.

Troy, AL Minimum Car Insurance Coverage

Troy, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Troy, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Troy, AL Car Insurance Rates by Coverage Level

Some Troy drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Troy, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Troy, Alabama

Insurance Company Low Medium High
Allstate $2,948 $3,047 $3,159
Farmers $3,800 $3,971 $4,298
GEICO $2,639 $2,845 $3,088
Liberty Mutual $4,779 $4,984 $5,259
Nationwide $2,529 $2,526 $2,589
Progressive $3,673 $4,094 $4,605
State Farm $4,211 $4,450 $4,707
Travelers $3,487 $3,713 $3,722
USAA $1,959 $2,023 $2,120

Troy, AL Car Insurance Rates by Age, Gender, and Marital Status

Troy, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Troy, AL car insurance, get quotes from multiple car insurance companies in the Troy area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Troy, Alabama

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 $1,855 $1,773 $1,676 $1,708 $6,355 $6,829 $2,084 $2,132
Farmers $2,300 $2,284 $2,055 $2,182 $8,885 $9,146 $2,613 $2,717
GEICO $2,071 $2,043 $1,948 $1,998 $5,344 $5,225 $2,193 $2,035
Liberty Mutual $2,954 $3,193 $2,430 $2,719 $10,548 $11,726 $3,144 $3,346
Nationwide $1,674 $1,696 $1,527 $1,581 $4,358 $5,617 $1,856 $2,074
Progressive $2,313 $2,177 $1,894 $2,029 $9,023 $10,050 $2,690 $2,814
State Farm $2,774 $2,774 $2,496 $2,496 $8,148 $10,247 $3,129 $3,581
Travelers $1,509 $1,534 $1,408 $1,405 $7,875 $12,306 $1,432 $1,660
USAA $1,272 $1,294 $1,188 $1,169 $3,747 $4,158 $1,655 $1,790

Troy, AL Car Insurance Rates for Teens

How much is Troy, Alabama car insurance for teens? Compare rates from top Troy car insurance companies below to help find the cheapest teen car insurance in Troy, AL.

Annual Car Insurance Rates for Teen Drivers in Troy, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,355 $6,829
Farmers $8,885 $9,146
GEICO $5,344 $5,225
Liberty Mutual $10,548 $11,726
Nationwide $4,358 $5,617
Progressive $9,023 $10,050
State Farm $8,148 $10,247
Travelers $7,875 $12,306
USAA $3,747 $4,158

Troy, AL Car Insurance Rates for Seniors

Before seniors buy Troy, Alabama car insurance, they should make sure to shop around. Some Troy, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Troy, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,708
Farmers $2,055 $2,182
GEICO $1,948 $1,998
Liberty Mutual $2,430 $2,719
Nationwide $1,527 $1,581
Progressive $1,894 $2,029
State Farm $2,496 $2,496
Travelers $1,408 $1,405
USAA $1,188 $1,169

Troy, AL Car Insurance Rates by Credit History

How does your credit history affect Troy, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Troy, Alabama

Insurance Company Poor Fair Good
Allstate $3,774 $2,960 $2,420
Farmers $4,508 $3,881 $3,679
GEICO $3,635 $2,592 $2,345
Liberty Mutual $7,170 $4,397 $3,456
Nationwide $3,073 $2,400 $2,171
Progressive $4,682 $3,984 $3,706
State Farm $7,225 $3,657 $2,485
Travelers $3,974 $3,443 $3,506
USAA $2,732 $1,780 $1,590

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Troy, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Troy, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Troy.

Annual Troy, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,604 $3,061 $3,609 $2,932
Farmers $3,385 $4,379 $4,272 $4,056
GEICO $1,941 $3,103 $3,785 $2,599
Liberty Mutual $3,931 $5,461 $5,350 $5,288
Nationwide $2,231 $2,231 $3,241 $2,489
Progressive $3,731 $4,657 $4,006 $4,102
State Farm $4,039 $4,965 $4,409 $4,409
Travelers $3,033 $3,185 $4,647 $3,698
USAA $1,566 $1,962 $2,914 $1,694

Troy, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Troy, AL car insurance rates. Compare rates below to see which Troy car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Troy, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,609
Farmers $4,272
GEICO $3,785
Liberty Mutual $5,350
Nationwide $3,241
Progressive $4,006
State Farm $4,409
Travelers $4,647
USAA $2,914

Troy, AL Car Insurance Rates by ZIP Code

Just like Troy car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Troy, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Troy, Alabama

ZIP Code Average Annual Rates
36079 $3,552
36081 $3,638
36082 $3,645

Troy, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Troy, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Troy companies based on commute time.

Annual Car Insurance Rates by Commute Length in Troy, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,051 $3,051
Farmers $4,023 $4,023
GEICO $2,802 $2,912
Liberty Mutual $5,007 $5,007
Nationwide $2,548 $2,548
Progressive $4,124 $4,124
State Farm $4,347 $4,565
Travelers $3,641 $3,641
USAA $1,941 $2,127

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Troy, AL Cheapest Car Insurance Rates

How do the top Troy, Alabama car insurance companies’ average rates stack up against the Troy average monthly car insurance rates of $294? Take a look and see.

Best Annual Car Insurance Rates by Company in Troy, Alabama

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

Troy, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Troy, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Troy, Alabama

Insurance Company Average Annual Rates
Allstate $3,051
Farmers $4,023
GEICO $2,857
Liberty Mutual $5,007
Nationwide $2,548
Progressive $4,124
State Farm $4,456
Travelers $3,641
USAA $2,034

Other Factors Affecting Troy, AL Car Insurance Rates

Before you buy Troy, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Troy, AL Car Theft Rates

The car theft rate in Troy, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Troy, Alabama is 56 stolen cars.

Troy, AL Commute Time

How does your Troy, AL commute time compare with the average driver? In Troy, the average commute is 16.9 minutes.

Troy, AL Traffic

Spending time in Troy traffic can lead to higher car insurance rates. According to INRIX data, Troy, AL ranks as the 789th-most congested with traffic in the world.

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Troy, AL Car Insurance Quotes

Compare Troy, AL car insurance quotes from multiple companies by entering your ZIP code now.