Buy Cheap Troy, AL Auto Insurance (2021)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • 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.

Minimum Required Auto 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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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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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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.

Annual Auto 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

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.

Annual Auto Insurance Rates by ZIP Code in Troy, Alabama

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.

Annual Troy, Alabama Auto 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

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.

Annual Auto Insurance Rates After a DUI in Troy, Alabama

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.

Best Annual Auto 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

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.

Average Annual Auto 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

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.

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