Buy Cheap Troy, TN Auto Insurance (2021)

Troy, TN auto insurance rates average $278 a month. Minimum auto insurance requirements in Troy, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Troy, TN, 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, TN for teens drivers are $6,697/year
  • Average auto insurance rates in Troy, TN after a DUI are $4,273/year
  • The most expensive auto insurance company in Troy after a DUI is Liberty Mutual

Finding affordable Troy, Tennessee auto insurance can be challenging, but everything you need to know to buy cheap Troy, TN 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, TN car insurance rates compare to Johnson City auto insurance rates, Hendersonville auto insurance rates, and Franklin auto insurance rates before you read more about the cost of auto insurance in Troy.

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

Troy, TN Minimum Auto Insurance Requirements

The required auto insurance in Troy, TN is 25/50/15 according to the auto insurance laws in Tennessee. The minimum auto insurance in Troy, Tennessee is outlined here.

Minimum Required Auto Insurance Coverage in Troy, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Troy, TN Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Troy, Tennessee

Insurance Company Poor Fair Good
Allstate $6,086 $4,653 $3,560
Farmers $4,131 $3,218 $3,043
GEICO $4,184 $3,571 $3,281
Liberty Mutual $8,456 $5,177 $4,053
Nationwide $3,894 $3,084 $2,730
Progressive $4,019 $3,446 $3,214
State Farm $3,585 $2,151 $1,671
Travelers $3,361 $2,638 $1,926
USAA $4,147 $2,426 $2,000

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

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

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

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 $2,802 $2,699 $2,509 $2,605 $10,249 $11,136 $3,008 $3,124
Farmers $1,857 $1,891 $1,674 $1,830 $7,422 $7,902 $2,502 $2,635
GEICO $2,507 $2,540 $2,321 $2,321 $7,225 $7,395 $2,523 $2,599
Nationwide $2,098 $2,121 $1,878 $1,915 $5,594 $7,251 $2,404 $2,626
Progressive $1,852 $1,758 $1,510 $1,571 $8,045 $9,070 $2,234 $2,436
State Farm $1,525 $1,525 $1,368 $1,368 $4,551 $5,702 $1,720 $1,995
Travelers $1,708 $1,798 $1,554 $1,654 $4,772 $5,917 $1,818 $1,914
USAA $1,619 $1,653 $1,459 $1,464 $5,721 $6,560 $2,120 $2,264

Buy Cheap Troy, TN 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, TN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Troy, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,249 $11,136
Farmers $7,422 $7,902
GEICO $7,225 $7,395
Nationwide $5,594 $7,251
Progressive $8,045 $9,070
State Farm $4,551 $5,702
Travelers $4,772 $5,917
USAA $5,721 $6,560

Buy Cheap Troy, TN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Troy, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,509 $2,605
Farmers $1,674 $1,830
GEICO $2,321 $2,321
Nationwide $1,878 $1,915
Progressive $1,510 $1,571
State Farm $1,368 $1,368
Travelers $1,554 $1,654
USAA $1,459 $1,464

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

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

Annual Auto Insurance Rates by Coverage Level in Troy, Tennessee

Insurance Company Low Medium High
Allstate $4,602 $4,755 $4,942
Farmers $3,259 $3,446 $3,688
GEICO $3,519 $3,672 $3,846
Liberty Mutual $5,642 $5,893 $6,151
Nationwide $3,267 $3,162 $3,279
Progressive $3,357 $3,561 $3,760
State Farm $2,337 $2,479 $2,591
Travelers $2,481 $2,640 $2,805
USAA $2,764 $2,847 $2,962

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

Annual Auto Insurance Rates by Commute Length in Troy, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,766 $4,766
Farmers $3,464 $3,464
GEICO $3,663 $3,694
Liberty Mutual $5,895 $5,895
Nationwide $3,236 $3,236
Progressive $3,560 $3,560
State Farm $2,411 $2,528
Travelers $2,538 $2,745
USAA $2,776 $2,939

Find Cheap Troy, TN Auto Insurance Rates by Driving Record

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

Annual Troy, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,009 $4,766 $5,722 $4,569
Farmers $2,959 $3,653 $3,747 $3,497
GEICO $2,643 $3,577 $5,852 $2,643
Liberty Mutual $4,788 $6,884 $6,406 $5,503
Nationwide $2,795 $2,795 $4,216 $3,138
Progressive $3,139 $4,058 $3,344 $3,698
State Farm $2,257 $2,681 $2,469 $2,469
Travelers $2,143 $2,749 $3,041 $2,635
USAA $2,079 $3,112 $3,661 $2,578

Find Cheap Troy, TN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Troy, Tennessee 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, TN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Troy, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,722
Farmers $3,747
GEICO $5,852
Liberty Mutual $6,406
Nationwide $4,216
Progressive $3,344
State Farm $2,469
Travelers $3,041
USAA $3,661

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

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

Best Annual Auto Insurance Rates by Company in Troy, Tennessee

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

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Find Cheap Troy, Tennessee Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Troy, Tennessee

Insurance Company Average Annual Rates
Allstate $4,766
Farmers $3,464
GEICO $3,679
Nationwide $3,236
Progressive $3,560
State Farm $2,469
Travelers $2,642
USAA $2,858

What affects Troy, Tennessee auto insurance rates?

Local factors affect auto insurance rates in Troy, TN, 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, TN is 14.6 minutes according to City-Data.

Traffic in Troy

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

Compare Auto Insurance Quotes in Troy, TN

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

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