Affordable Car Insurance Rates in Troy, AL (2024)
Car insurance rates in Troy, AL are $294/month on average. By law, Alabama drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Troy car insurance companies to get the coverage you need at the best rates available.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
UPDATED: Jan 9, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car 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
- The cheapest car insurance company in Troy for teen drivers is USAA
- Average car insurance rates in Troy, AL for senior drivers are $1,884/year
- The annual number of car thefts in Troy is 56.
Average car insurance rates in Troy, Alabama are $294 a month. But with a little research you can get a great deal from the top car insurance companies in Troy, AL. Before you buy Troy, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.
It may even be helpful to compare Troy car insurance rates with Hoover car insurance rates, Dothan car insurance rates, or Auburn car insurance rates to make sure you’re getting the best Troy, AL car insurance quotes available.
Need affordable Troy, AL car insurance? Enter your ZIP code to compare Troy car insurance quotes from multiple car insurance companies near you.
Troy, AL Minimum Car Insurance Coverage
Troy, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
Minimum Required Car 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Troy, AL Car Insurance Rates by Coverage Level
Some Troy drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Troy, Alabama car insurance rates may be based on the coverage you need.
Annual Car 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 |
Troy, AL Car Insurance Rates by Age, Gender, and Marital Status
Troy, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Troy, AL car insurance, get quotes from multiple car insurance companies in the Troy area and see how these criteria affect your rates.
Annual Car 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 |
Troy, AL Car Insurance Rates for Teens
How much is Troy, Alabama car insurance for teens? Compare rates from top Troy car insurance companies below to help find the cheapest teen car insurance in Troy, AL.
Annual Car 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 |
Troy, AL Car Insurance Rates for Seniors
Before seniors buy Troy, Alabama car insurance, they should make sure to shop around. Some Troy, AL car insurance companies may offer discounts or other savings options for senior car insurance.
Annual Car 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 |
Troy, AL Car Insurance Rates by Credit History
How does your credit history affect Troy, AL car insurance rates? Review the numbers here to find out.
Annual Car 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Troy, AL Car Insurance Rates by Driver History
How does a single speeding ticket affect your Troy, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Troy.
Annual Troy, Alabama Car 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 |
Troy, AL Car Insurance Rates With a DUI
Even a single DUI can increase your Troy, AL car insurance rates. Compare rates below to see which Troy car insurance company has the best rates for drivers with a DUI.
Annual Car Insurance Rates After a DUI in Troy, Alabama
| Insurance Company | Annual Car 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 |
Troy, AL Car Insurance Rates by ZIP Code
Just like Troy car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Troy, AL car insurance rates fluctuate by ZIP code.
Annual Car Insurance Rates by ZIP Code in Troy, Alabama
| ZIP Code | Average Annual Rates |
|---|---|
| 36079 | $3,552 |
| 36081 | $3,638 |
| 36082 | $3,645 |
Troy, AL Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Troy, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Troy companies based on commute time.
Annual Car 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Troy, AL Cheapest Car Insurance Rates
How do the top Troy, Alabama car insurance companies’ average rates stack up against the Troy average monthly car insurance rates of $294? Take a look and see.
Best Annual Car 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 |
Troy, AL Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Troy, Alabama car insurance companies to help you find one that best fits your needs.
Average Annual Car 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 |
Other Factors Affecting Troy, AL Car Insurance Rates
Before you buy Troy, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Troy, AL Car Theft Rates
The car theft rate in Troy, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Troy, Alabama is 56 stolen cars.
Troy, AL Commute Time
How does your Troy, AL commute time compare with the average driver? In Troy, the average commute is 16.9 minutes.
Troy, AL Traffic
Spending time in Troy traffic can lead to higher car insurance rates. According to INRIX data, Troy, AL ranks as the 789th-most congested with traffic in the world.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Troy, AL Car Insurance Quotes
Compare Troy, AL car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.