Compare Troy, AL Car Insurance Rates (2021)

Car insurance in Troy, AL averages $294 a month. Troy, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Troy car insurance rates, compare quotes from the top car insurance companies in Troy, AL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Troy, AL after a DUI are $4,026/year
  • The cheapest car insurance company in Troy is USAA
  • The cheapest ZIP code in Troy is 36079

If you need to buy Troy, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Troy, AL is right here.

You’ll find Troy car insurance rates, the cheapest Troy, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Troy, Alabama car insurance rates to Decatur car insurance rates, Auburn car insurance rates, and Montgomery car insurance rates.

Ready to find affordable Troy, AL car insurance today? Enter your ZIP code for fast, free Troy car insurance quotes.

Cheapest Troy, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Troy, AL car insurance rates? Every Troy, Alabama car insurance company weighs these factors differently, so check out the comparison 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

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Minimum Car Insurance in Troy, AL

Every driver must carry the minimum car insurance in Troy, AL. Take a look at the Alabama car insurance requirements.

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

Cheapest Troy, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Troy, AL. Compare credit history car insurance rates in Troy from top companies for good, fair, and poor credit.

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

Cheapest Troy, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Troy, AL to rates for a clean record with top companies.

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

Cheapest Troy, AL Car Insurance for Teen Drivers

Teen car insurance in Troy, AL can be expensive. Take a look at rates from the top car insurance companies in Troy for teenagers.

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

Cheapest Troy, AL Car Insurance for Seniors

Take a look at Troy, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Troy, AL Car Insurance Rates After a DUI

A DUI in Troy, AL increases car insurance rates. Compare Troy, Alabama DUI car insurance by company to find the cheapest option.

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

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Cheapest Troy, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Troy, AL by commute? Take a look at a comparison of the top companies by commute length.

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

Cheapest Troy, AL Car Insurance Rates by ZIP Code

Troy car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Troy, AL.

Annual Car Insurance Rates by ZIP Code in Troy, Alabama

ZIP Code Average Annual Rates
36079 $3,552
36081 $3,638
36082 $3,645

The Best Cheap Car Insurance Companies in Troy, AL

Take a look at a side-by-side comparison of the top car insurance companies in Troy, AL to find the best option for 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

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Category Winners: Cheapest Car Insurance in Troy, Alabama

Find the cheapest car insurance companies in Troy, AL for each category right here.

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

Cheapest Troy, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Troy car insurance rates. Find the cheapest Troy, AL car insurance rates by coverage level.

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

What affects car insurance rates in Troy, Alabama?

What factors can have an impact on Troy, AL car insurance? There are several reasons why Troy car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Troy, Alabama.

Car Theft in Troy

High levels of vehicle theft can make car insurance more expensive. Troy, AL car theft statistics from the FBI indicate 56 vehicle thefts a year.

Commute Time in Troy

The more time you spend in your car the higher the risk of an accident. The average commute length in Troy, AL is 16.9 minutes according to City-Data.

Traffic in Troy

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Troy, AL traffic data from INRIX ranks Troy as the 789th-most congested in the world.

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Compare Car Insurance Quotes in Troy, AL

Ready to find affordable Troy, Alabama car insurance today? Enter your ZIP code for fast, free Troy, AL car insurance quotes.

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Average Monthly Car Insurance Rates by State