Troy, MI Auto Insurance Rates

Troy, MI residents can save $830 by comparing multiple quotes & reading reviews & research on Troy car insurance rates, quotes, agents & coverage.

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$1366 $2084 $3362

Latest Auto Insurance Reviews in Troy, Michigan


State Farm
State Farm is up front and honest with us regarding our car insurance. The amount we pay monthly for 1 car and 1 classic car is fair. If we took the classic car of the insurance we would pay more monthly.
Meemic Insurance
My policy offerings were very similar to my previous policy while saving me hundreds of dollars. I am extremely satisfied.
Progressive
great car insurance with makes me happy and feel safe having them behind my sholder. I had several small issues which were resoled really quick and easy.vest insurance in the while country
Progressive
We have had great experiences with customer service. Hold times are short and people there are responsive.
Farmer's Insurance
I would recommend Farmers because they are a very trust worthy company with a great credibility. They have a great customer service too.
Allstate
Their premiums are fair, they aren't the lowest or highest. They are about mid-range. I will pay that for fantastic service and coverage.
Allstate
We have standard coverage. We have low mileage and so they do offer discounts for low usage. overall they seem to offer pretty standard products.
Farm Bureau
I have called them to have a windshield crack repaired. They are fast and efficient on the phone for this service.
Auto Owners Insurance
My car insurance just recently ran out and I needed insurance bad and quick. After a ton of searching I finally found this company. I was offered an online quote, input my card number, and had insurance within minutes. I was able to print off all the information that I needed so that I could get back on the road fast.
State Farm
I like the fact that they are easy to get a hold of and they care a lot about me. That is great to see in a company.
State Farm
I have asked for comparative quotes from other carriers and have never received any offers to justify a switch. State Farm is competitive and with my home bundled into coverage, the discounts are too heavy for anyone to really offer an eye-opening quote. So, for now, still with State Farm.
Write Your Review | Troy, Michigan Auto Insurance Analysis
Hartford, Troy, MI
$96/1 month
Car Insurance Policy Holder
  • Single 25 Years old Male licensed 8 years ago with Own Dodge Charger SRT8 used for Business with estimated annual mileage of 9,001 - 12,000.
  • less than high school education & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 25 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Allstate Auto Insurance, Troy, MI
$189/1 month
Car Insurance Policy Holder
  • Married 47 Years old Female licensed 17 years ago with Financed Ford, Fusion S, 4 Door Sedan used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
  • Less than High School & Freelancer.
  • No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
State Farm Auto Insurance, Troy, MI
$1728/12 months
Car Insurance Policy Holder
  • Single 18 Years old Female licensed 2 years ago with Own Jeep, Compass Sport, 2WD 4 Door Utility used for Business with estimated annual mileage of 20,001+.
  • High School & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 50 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage
Progressive Insurance, Troy, MI
$955/12 months
Car Insurance Policy Holder
  • Single 28 Years old Male licensed 10 years ago with Financed Ford, Edge Limited, 4 Door 2WD Utility used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
  • Doctors & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 2 cars insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
  • 25 K Property Damage
  • 25 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Progressive Insurance, Troy, MI
$1304/12 months
Car Insurance Policy Holder
  • Divorced 37 Years old Male licensed 21 years ago with Financed Chevrolet, Malibu LT, 4 Door Sedan used for Business with estimated annual mileage of 12,001 - 15,000.
  • Less than High School & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Chubb Group Of Insurance, Troy, MI
$976/12 months
Car Insurance Policy Holder
  • Divorced 74 Years old Male licensed 4 years ago with Own Chevrolet, Corvette GS, 2 Door Coupe used for Business with estimated annual mileage of 7,501 - 9,000.
  • Lawyer & Retired.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage
Fiesta Auto Insurance, Troy, MI
$1687/12 months
Car Insurance Policy Holder
  • Married 29 Years old Female licensed 5 years ago with Financed Chevrolet, Camaro SS, 2 Door Convertible used for Commute to Work or School with estimated annual mileage of 20,001+.
  • Associate & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 2 cars insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $50K (Per Person Bodily Injury) / $100K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 100 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Amica Auto Insurance, Troy, MI
$1113/12 months
Car Insurance Policy Holder
  • Single 24 Years old Male licensed 3 years ago with Own Ford, Focus Titanium, 4 Door Sedan used for Business with estimated annual mileage of 15,001 - 20,000.
  • Vocational & Freelancer.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage

Troy Car Insurance Rate Comparisons

Troy, MI's average car insurance of $2084 differs from Royal Oak, MI (-$12), Oak Park, MI (+$950), Huntington Woods, MI (+$141) and Michigan (+$436)

Troy Royal Oak, MI Oak Park, MI Huntington Woods, MI Michigan
Median Insurance Rates $2084 -$12 +$950 +$141 +$436

Troy Car Insurance Savings By Neighborhood & Street Area

Troy Driver Street Residence & Car Locations Car Details in Troy Troy Driver Demographics Troy Auto Insurance Estimates Recent Troy Insurance Savings
Charing Cross
Brooklawn Rd2003 Cadillac DeVille DTS52 year married woman$1852$874
Waterloo Dr2001 Audi A4 2.8 quattro27 year man$2992$656
St Andrews St2007 Buick Rendezvous CXL18 year teenager$3638$341
Nampa Ct2006 Acura TSX Base w/Navi50 year married man$2549$557
Romany Dr2010 Mazda 3 S84 year male senior$2238$737
Other Area
Gatesford Circle Dr2009 Ford Fusion SEL19 year female teenager$3417$394
Forest Trl2011 Hyundai Sonata GLS79 year female senior$2293$361
Foxcroft2012 Dodge Journey SXT18 year male teenager$3494$646
Quincy Dr2011 Kia Sorento LX28 year woman$1731$931
Vassar Dr2007 Chevrolet Silverado K2500 Heavy Duty76 year senior$2214$864

Troy Post DUI Car Insurance Rates

Troy Bingham Farms Madison Heights Sterling Heights Michigan
Median Post DUI Insurance Rate $3876 +$2541 +$294 +$681 +$811
Male Teenager Post DUI Insurance Rate $6937 +$4548 +$527 +$1219 +$1451
Female Teenager Post DUI Insurance Rate $6898 +$4524 +$523 +$1213 +$1444

The Post DUI insurance in Troy, MI's is $3876 compared to Bingham Farms (+$2541), Madison Heights (+$294), Sterling Heights (+$681) and Michigan (+$811)

In Troy, a male teenager with Post DUI pays $39 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2007 Buick Rendezvous CXL in Troy, MI would pay $6803 on auto insurance while a female teenager POST DUI would pay $6766.

Troy Car Insurance by Segment

Troy Teenagers Car Insurance Rates Comparison

5456 Troy Teenagers (6% of total population), 56% Male & 44% Female.

Troy Pontiac Rochester Bloomfield charter Michigan
All Teenagers $3709 +$714 -$399 +$2521 +$776
Male Teenager $3730 +$718 -$401 +$2535 +$780
Female Teenager $3709 +$714 -$399 +$2521 +$776

Troy teenagers pay $3709 in insurance in contrast with Pontiac (+$714), Rochester (-$399), Bloomfield charter (+$2521) and Michigan (+$776). The difference between Male & Female teenagers in Troy is $21

Example

  • 2009 Chrysler 300C \N Male Teenager Insurance Rate $3821
  • 2006 Jeep Grand Cherokee SRT-8 Base Female Teenager Insurance Rate $3077

Troy Men & Women Car Insurance

81307 Troy Adults (100% of total population), 49% Men & 51% Women.

Troy Bloomfield charter Oak Park Birmingham Michigan
All Women $1917 +$1303 +$874 -$239 +$401
Married Women $1667 +$1133 +$760 -$208 +$349
All Men $2584 +$1756 +$1178 -$323 +$540
Married Men $2459 +$1671 +$1121 -$307 +$514

The typical insurance rate of $2584 that Troy Men pay varies from Bloomfield charter (+$1756), Oak Park (+$1178), Birmingham (-$323) and Michigan (+$540). In Troy, married men pay $792 more than married women.

Example

  • 2013 Nissan Rogue S Married Men Insurance Rate $2380
  • 2014 Volkswagen Jetta GLI Married Women Insurance Rate $2489

Troy Senior Car Insurance

16429 Troy Seniors (20% of total population), 48% Senior Men & 52% Senior Women.

Troy Huntington Woods Auburn Hills Ferndale Michigan
All Seniors $2313 +$156 -$5 +$223 +$484
Senior Men $2313 +$156 -$5 +$223 +$484
Senior Women $2334 +$158 -$5 +$225 +$488

Troy seniors pay $2313 in insurance compared to Huntington Woods (+$156), Auburn Hills (-$5), Ferndale (+$223) and Michigan (+$484). In Troy, senior men pay $21 less than senior women.

Troy Car Insurance Discounts for Multiple Vehicles

Troy Population with 1 Vehicle 8578 (28% of Troy population), 2 Vehicles 13711 (45% of the Troy population) and 3 vehicles 4845 (16% of the population)

Troy Bloomfield Hills Clawson Bloomfield charter Michigan
2 Vehicles $3960 +$2272 -$108 +$2690 +$828
3 Vehicles $6044 +$3468 -$165 +$4106 +$1264
4 Vehicles $8128 +$4664 -$222 +$5522 +$1700

Troy Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Lincoln, MKZ Hybrid $1000 $2250 $2750 $2130 $3130 $-380
Nissan, Murano LE $500 $2230 $2730 $2050 $2550 $180
Chevrolet, Silverado 1500 Work Truck $300 $2130 $2430 $2010 $2310 $120
Subaru, Outback 2.5I Premium $700 $2200 $2700 $2040 $2740 $-40
Ford, Taurus SEL AWD $1500 $2020 $2520 $1930 $3430 $-910