Buy Cheap Troy, IN Auto Insurance (2021)

Troy, IN auto insurance rates average $274 a month. Minimum auto insurance requirements in Troy, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Troy, IN, 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 ...

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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

  • The most expensive auto insurance company in Troy is Liberty Mutual
  • Average auto insurance rates in Troy, IN after a DUI are $3,898/year
  • Average auto insurance rates in Troy, IN for teens drivers are $6,404/year

Finding affordable Troy, Indiana auto insurance can be challenging, but everything you need to know to buy cheap Troy, IN 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, IN car insurance rates compare to Fort Wayne auto insurance rates, Indianapolis auto insurance rates, and Carmel auto insurance rates before you read more about the cost of auto insurance in Troy.

Don’t buy Troy, IN auto insurance until you’ve compared rates. Get free Troy, Indiana auto insurance quotes when you enter your ZIP code above.

Troy, IN Minimum Auto Insurance Requirements

The required auto insurance in Troy, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in Troy, Indiana is outlined here.

Minimum Required Auto Insurance Coverage in Troy, Indiana

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, IN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Troy, IN. Take a look at Troy, Indiana auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Troy, Indiana

Insurance Company Poor Fair Good
Allstate $4,804 $3,580 $3,252
American Family $4,601 $2,998 $2,512
Farmers $3,949 $3,213 $2,975
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,772 $5,058 $4,678
Nationwide $3,297 $2,784 $2,602
Progressive $3,999 $3,526 $3,319
State Farm $3,569 $2,128 $1,650
Travelers $3,904 $3,308 $3,305
USAA $2,039 $1,338 $1,144

Buy Cheap Troy, IN Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Troy, Indiana auto insurance rates? Find out how car insurance rates in Troy, IN are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Troy, Indiana

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 $2,392 $2,448 $2,104 $2,300 $7,397 $9,328 $2,424 $2,636
American Family $2,133 $2,133 $1,913 $1,913 $5,738 $8,356 $2,133 $2,645
Farmers $1,555 $1,535 $1,331 $1,490 $8,182 $8,694 $2,036 $2,210
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $3,976 $3,976 $3,651 $3,651 $8,754 $13,239 $3,976 $5,466
Nationwide $1,782 $1,827 $1,557 $1,669 $5,181 $6,759 $2,089 $2,292
Progressive $1,570 $1,494 $1,416 $1,429 $8,958 $10,076 $1,964 $2,012
State Farm $1,537 $1,537 $1,356 $1,356 $4,475 $5,753 $1,693 $1,883
Travelers $1,270 $1,292 $1,190 $1,190 $7,843 $12,360 $1,345 $1,558
USAA $968 $956 $894 $906 $2,640 $2,970 $1,310 $1,411

Buy Cheap Troy, IN 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, IN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Troy, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,397 $9,328
American Family $5,738 $8,356
Farmers $8,182 $8,694
GEICO $4,871 $4,549
Liberty Mutual $8,754 $13,239
Nationwide $5,181 $6,759
Progressive $8,958 $10,076
State Farm $4,475 $5,753
Travelers $7,843 $12,360
USAA $2,640 $2,970

Buy Cheap Troy, IN Auto Insurance for Seniors

You can save on senior auto insurance rates in Troy, Indiana by comparing Troy senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Troy, IN here.

Annual Auto Insurance Rates for Senior Drivers in Troy, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,104 $2,300
American Family $1,913 $1,913
Farmers $1,331 $1,490
GEICO $1,547 $1,591
Liberty Mutual $3,651 $3,651
Nationwide $1,557 $1,669
Progressive $1,416 $1,429
State Farm $1,356 $1,356
Travelers $1,190 $1,190
USAA $894 $906

Find Cheap Auto Insurance Rates in Troy, IN by Coverage Level

The amount of coverage you choose is a big factor in the cost of Troy, Indiana auto insurance. Compare Troy, IN auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Troy, Indiana

Insurance Company Low Medium High
Allstate $3,695 $3,864 $4,077
American Family $3,351 $3,483 $3,278
Farmers $3,267 $3,372 $3,498
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,675 $5,824 $6,009
Nationwide $2,944 $2,871 $2,869
Progressive $3,429 $3,563 $3,853
State Farm $2,347 $2,448 $2,552
Travelers $3,447 $3,538 $3,532
USAA $1,460 $1,504 $1,557

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Find Cheap Troy, IN 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, IN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Troy, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,879 $3,879
American Family $3,330 $3,411
Farmers $3,379 $3,379
GEICO $2,392 $2,483
Liberty Mutual $5,680 $5,992
Nationwide $2,894 $2,894
Progressive $3,615 $3,615
State Farm $2,379 $2,519
Travelers $3,506 $3,506
USAA $1,487 $1,527

Find Cheap Troy, IN Auto Insurance Rates by Driving Record

Auto insurance rates in Troy, Indiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Troy, IN, take a look at the average cost for various violations versus rates for a clean driving record in Troy.

Annual Troy, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,092 $4,546 $4,195 $3,682
American Family $2,322 $3,712 $4,682 $2,765
Farmers $3,022 $3,528 $3,628 $3,338
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,581 $5,380 $8,346 $5,037
Nationwide $2,483 $3,214 $3,079 $2,802
Progressive $2,723 $4,719 $3,243 $3,775
State Farm $2,395 $2,611 $2,395 $2,395
Travelers $2,978 $3,681 $4,171 $3,194
USAA $1,142 $1,617 $1,856 $1,413

Find Cheap Troy, IN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Troy, Indiana 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, IN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Troy, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,195
American Family $4,682
Farmers $3,628
GEICO $3,385
Liberty Mutual $8,346
Nationwide $3,079
Progressive $3,243
State Farm $2,395
Travelers $4,171
USAA $1,856

Winners by Category: Where to Buy Cheap Auto Insurance in Troy, IN

Compare rates from the cheapest auto insurance companies in Troy, IN for your needs. Take a look at how Troy, Indiana auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Troy, Indiana

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

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Find Cheap Troy, Indiana Auto Insurance Companies

If you’re looking for the cheapest Troy, IN auto insurance companies overall, you can compare them here. Find the best price for Troy, Indiana car insurance by company.

Average Annual Auto Insurance Rates by Company in Troy, Indiana

Insurance Company Average Annual Rates
Allstate $3,879
American Family $3,370
Farmers $3,379
GEICO $2,438
Liberty Mutual $5,836
Nationwide $2,894
Progressive $3,615
State Farm $2,449
Travelers $3,506
USAA $1,507

What affects Troy, Indiana auto insurance rates?

Local factors affect auto insurance rates in Troy, IN, including traffic, theft statistics, and commute length. Take a look at the things that impact Troy auto insurance rates.

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, IN is 26.4 minutes according to City-Data.

Traffic in Troy

How is traffic in Troy, Indiana? Inrix data shows that Troy, IN traffic makes it the 789th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Troy, IN

You can buy cheap Troy, IN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Troy, Indiana auto insurance quotes from top companies.

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