Buy Cheap Troy, AL Auto Insurance in 2024
Troy, AL auto insurance rates average $294 a month. Minimum auto insurance requirements in Troy, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Troy, AL, compare Troy auto insurance quotes from top companies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Aug 26, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Aug 26, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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, AL for teens drivers are $7,143/year
- Average auto insurance rates in Troy, AL are $294/month
- Average auto insurance rates in Troy, AL after a DUI are $4,026/year
Finding affordable Troy, Alabama auto insurance can be challenging, but everything you need to know to buy cheap Troy, AL auto insurance with confidence is right here. Auto insurance rates in Troy are affected by local factors as well as personal ones like your driving record.
See how Troy, AL car insurance rates compare to Birmingham auto insurance rates, Mobile auto insurance rates, and Huntsville auto insurance rates before you read more about the cost of auto insurance in Troy.
Don’t buy Troy, AL auto insurance until you’ve compared rates. Get free Troy, Alabama auto insurance quotes when you enter your ZIP code above.
Troy, AL Minimum Auto Insurance Requirements
The required auto insurance in Troy, AL is 25/50/25 according to the auto insurance laws in Alabama. The minimum auto insurance in Troy, Alabama is outlined here.
| 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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Find Cheap Troy, AL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Troy, AL. Take a look at Troy, Alabama auto insurance rates by credit history.
| 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 |
Buy Cheap Troy, AL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Troy, Alabama auto insurance rates? Find out how car insurance rates in Troy, AL are impacted by demographics.
| 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 |
Buy Cheap Troy, AL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Troy can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Troy, AL are listed here.
| 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 |
Buy Cheap Troy, AL Auto Insurance for Seniors
You can save on senior auto insurance rates in Troy, Alabama by comparing Troy senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Troy, AL here.
| 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 |
Find Cheap Auto Insurance Rates in Troy, AL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Troy, Alabama auto insurance. Compare Troy, AL auto insurance rates by coverage level.
| 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 |
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Find Cheap Troy, AL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Troy. Compare auto insurance rates in Troy, AL by commute length to see how your daily commute impacts your rates.
| 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 |
Find Cheap Troy, AL Auto Insurance Rates by ZIP Code
Auto insurance rates in Troy, Alabama can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Troy, AL to see how much where you live in Troy affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 36079 | $3,552 |
| 36081 | $3,638 |
| 36082 | $3,645 |
Find Cheap Troy, AL Auto Insurance Rates by Driving Record
Auto insurance rates in Troy, Alabama are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Troy, AL, take a look at the average cost for various violations versus rates for a clean driving record in Troy.
| 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 |
Find Cheap Troy, AL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Troy, Alabama is higher than for a clean driving record. You can buy auto insurance after a DUI in Troy for less when you shop around and compare rates from multiple Troy, AL auto insurance companies.
| Insurance Company | Annual Auto 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 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Troy, AL
Compare rates from the cheapest auto insurance companies in Troy, AL for your needs. Take a look at how Troy, Alabama auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Find Cheap Troy, Alabama Auto Insurance Companies
If you’re looking for the cheapest Troy, AL auto insurance companies overall, you can compare them here. Find the best price for Troy, Alabama car insurance by company.
| 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 |
What affects Troy, Alabama auto insurance rates?
Local factors affect auto insurance rates in Troy, AL, including traffic, theft statistics, and commute length. Take a look at the things that impact Troy auto insurance rates.
Auto Theft in Troy
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Troy, AL auto theft show a total of 56 vehicle thefts annually.
Commute Times in Troy
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Troy, AL is 16.9 minutes according to City-Data.
Traffic in Troy
How is traffic in Troy, Alabama? Inrix data shows that Troy, AL traffic makes it the 789th-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in Troy, AL
You can buy cheap Troy, AL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Troy, Alabama auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Troy, AL?
To find cheap auto insurance in Troy, AL, you can take the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options specific to Troy, AL.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you qualify for lower insurance premiums.
- Consider local insurers: Some regional or local insurance companies may offer competitive rates tailored to the Troy, AL area.
- Opt for higher deductibles: Increasing your deductible—the amount you pay out of pocket before insurance coverage kicks in—can lower your premiums.
- Look for discounts: Inquire about discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, or discounts for certain safety features in your vehicle.
What factors affect the cost of auto insurance in Troy, AL?
Several factors can influence the cost of auto insurance in Troy, AL. Some of the key factors include:
- Location: Insurance rates can vary based on where you live due to factors like traffic density, crime rates, and accident statistics specific to Troy, AL.
- Vehicle specifications: The year, make, and model of your vehicle, as well as its safety features and repair costs, can impact insurance rates.
- Driving record: Your driving history, including accidents, traffic violations, and claims, can affect your insurance premiums.
- Age and gender: Younger drivers and male drivers often pay higher premiums due to statistical risk factors.
- Coverage and deductibles: The type and amount of coverage you choose, as well as the deductible you opt for, can affect your insurance costs.
- Credit history: In some states, insurance companies consider credit-based insurance scores when determining rates. However, regulations regarding this practice may vary.
Are there any local insurance companies in Troy, AL that offer affordable auto insurance?
Yes, there are local insurance companies in Troy, AL that may offer affordable auto insurance options. Some regional or local insurers often cater specifically to the needs of the local community and may provide competitive rates. Consider reaching out to local insurance agents or using online resources to explore insurance options from local companies in Troy, AL.
What are some common discounts I should inquire about when shopping for auto insurance in Troy, AL?
When shopping for auto insurance in Troy, AL, you should inquire about the following common discounts:
- Safe driver discount: If you have a clean driving record without accidents or traffic violations, you may qualify for a safe driver discount.
- Multi-policy discount: If you bundle your auto insurance with other policies, such as homeowners or renters insurance, you may be eligible for a discount.
- Good student discount: If you or a covered family member is a student with good grades, you may qualify for a discount.
- Safety features discount: Ask about discounts for safety features in your vehicle, such as anti-lock brakes, airbags, or anti-theft systems.
- Low mileage discount: If you drive fewer miles annually, you may be eligible for a discount as it reduces the risk of accidents.
Can I get cheap auto insurance in Troy, AL if I have a less-than-perfect driving record?
While a less-than-perfect driving record may impact your auto insurance premiums, it is still possible to find relatively affordable rates in Troy, AL. Here are a few suggestions:
- Compare quotes: Shop around and obtain quotes from multiple insurance providers. Some companies may be more lenient than others when considering driving records.
- Consider specialized insurers: Some insurance companies specialize in providing coverage for drivers with less-than-perfect records. They may offer competitive rates tailored to your situation.
- Take defensive driving courses: Completing a defensive driving course can demonstrate your commitment to safe driving and may qualify you for a discount.
- Improve your credit score: While not directly related to your driving record, improving your credit score can help lower your insurance rates in some states.
- Opt for higher deductibles: Choosing higher deductibles can lower your premiums, but be sure to set a deductible amount that you can comfortably afford in case of an accident.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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.