A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 7, 2022

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Just What's Essential

  • Average car insurance rates in Troy, MI for senior drivers are $7,760/year
  • The cheapest car insurance company in Troy after a DUI is USAA
  • The annual number of car thefts in Troy is 52.

Average car insurance rates in Troy, Michigan are $984 a month. But with a little research you can get a great deal from the top car insurance companies in Troy, MI. Before you buy Troy, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Troy car insurance rates with Lansing car insurance rates, Grand Rapids car insurance rates, or Dearborn car insurance rates to make sure you’re getting the best Troy, MI car insurance quotes available.

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

Troy, MI Minimum Car Insurance Coverage

Troy, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Troy, MI Car Insurance Rates by Coverage Level

Some Troy drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Troy, Michigan car insurance rates may be based on the coverage you need.

Annual Car 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

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

Troy, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Troy, MI 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, 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

Troy, MI Car Insurance Rates for Teens

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

Annual Car 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

Troy, MI Car Insurance Rates for Seniors

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

Annual Car 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

Troy, MI Car Insurance Rates by Credit History

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

Annual Car 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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Troy, MI Car Insurance Rates by Driver History

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

Annual Troy, Michigan Car 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

Troy, MI Car Insurance Rates With a DUI

Even a single DUI can increase your Troy, MI 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, Michigan

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

Troy, MI 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, MI car insurance rates fluctuate by ZIP code.

Annual Car 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

Troy, MI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Troy, MI 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, Michigan

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

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Troy, MI Cheapest Car Insurance Rates

How do the top Troy, Michigan car insurance companies’ average rates stack up against the Troy average monthly car insurance rates of $984? Take a look and see.

Best Annual Car 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

Troy, MI Top Car Insurance Companies

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

Average Annual Car 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

Other Factors Affecting Troy, MI Car Insurance Rates

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

Troy, MI Car Theft Rates

The car theft rate in Troy, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Troy, Michigan is 52 stolen cars.

Troy, MI Commute Time

How does your Troy, MI commute time compare with the average driver? In Troy, the average commute is 25.6 minutes.

Troy, MI Traffic

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

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Troy, MI Car Insurance Quotes

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