Compare Troy, KS Car Insurance Rates (2021)

Car insurance in Troy, KS averages $278 a month. Troy, Kansas 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, KS.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

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 company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Troy, KS after a DUI are $3,995/year
  • Average car insurance rates in Troy, KS are $3,340/year
  • The cheapest car insurance company in Troy for teen drivers is American Family

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

You’ll find Troy car insurance rates, the cheapest Troy, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Troy, Kansas car insurance rates to Olathe car insurance rates, Shawnee car insurance rates, and Lawrence car insurance rates.

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

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

How do age, gender, and marital status affect Troy, KS car insurance rates? Every Troy, Kansas 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, Kansas

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 $2,655 $2,589 $2,371 $2,441 $7,265 $8,136 $2,739 $2,845
American Family $1,743 $1,743 $1,574 $1,574 $3,368 $4,042 $1,743 $1,959
Farmers $2,645 $2,627 $2,361 $2,466 $7,277 $7,541 $2,984 $3,142
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,201 $2,377 $2,109 $2,352 $10,313 $11,512 $2,397 $2,592
Nationwide $1,744 $1,793 $1,555 $1,672 $3,678 $4,498 $2,041 $2,169
Progressive $2,421 $2,302 $1,951 $2,037 $9,040 $10,201 $2,866 $3,081
State Farm $1,796 $1,796 $1,584 $1,584 $4,941 $6,282 $2,022 $2,291
Travelers $1,990 $2,025 $1,942 $1,966 $8,038 $12,532 $2,037 $2,400
USAA $1,360 $1,387 $1,247 $1,258 $4,665 $4,899 $1,798 $1,879

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Troy, KS

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

Minimum Required Car Insurance Coverage in Troy, Kansas

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, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Troy, KS. 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, Kansas

Insurance Company Poor Fair Good
Allstate $4,804 $3,653 $3,183
American Family $2,896 $2,050 $1,709
Farmers $4,563 $3,642 $3,436
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,482 $4,482 $4,482
Nationwide $2,650 $2,346 $2,185
Progressive $4,852 $4,084 $3,776
State Farm $4,058 $2,425 $1,878
Travelers $4,757 $3,872 $3,719
USAA $3,158 $2,072 $1,704

Cheapest Troy, KS 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, KS to rates for a clean record with top companies.

Annual Troy, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,348 $3,898 $4,515 $3,760
American Family $2,181 $2,331 $2,181 $2,181
Farmers $3,269 $4,210 $4,103 $3,940
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,370 $5,089 $4,997 $4,470
Nationwide $1,810 $2,076 $3,625 $2,064
Progressive $3,915 $4,578 $4,090 $4,366
State Farm $2,575 $2,999 $2,787 $2,787
Travelers $2,999 $3,912 $5,397 $4,158
USAA $1,690 $2,281 $3,339 $1,937

Cheapest Troy, KS Car Insurance for Teen Drivers

Teen car insurance in Troy, KS 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, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,265 $8,136
American Family $3,368 $4,042
Farmers $7,277 $7,541
GEICO $4,439 $5,960
Liberty Mutual $10,313 $11,512
Nationwide $3,678 $4,498
Progressive $9,040 $10,201
State Farm $4,941 $6,282
Travelers $8,038 $12,532
USAA $4,665 $4,899

Cheapest Troy, KS Car Insurance for Seniors

Take a look at Troy, KS 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, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,371 $2,441
American Family $1,574 $1,574
Farmers $2,361 $2,466
GEICO $2,443 $2,273
Liberty Mutual $2,109 $2,352
Nationwide $1,555 $1,672
Progressive $1,951 $2,037
State Farm $1,584 $1,584
Travelers $1,942 $1,966
USAA $1,247 $1,258

Cheapest Troy, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Troy, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,515
American Family $2,181
Farmers $4,103
GEICO $4,922
Liberty Mutual $4,997
Nationwide $3,625
Progressive $4,090
State Farm $2,787
Travelers $5,397
USAA $3,339

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Troy, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Troy, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,880 $3,880
American Family $2,190 $2,247
Farmers $3,880 $3,880
GEICO $3,027 $3,159
Liberty Mutual $4,482 $4,482
Nationwide $2,394 $2,394
Progressive $4,237 $4,237
State Farm $2,717 $2,857
Travelers $4,116 $4,116
USAA $2,245 $2,378

The Best Cheap Car Insurance Companies in Troy, KS

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

Average Annual Car Insurance Rates by Company in Troy, Kansas

Insurance Company Average Annual Rates
Allstate $3,880
American Family $2,218
Farmers $3,880
GEICO $3,093
Liberty Mutual $4,482
Nationwide $2,394
Progressive $4,237
State Farm $2,787
Travelers $4,116
USAA $2,312

Category Winners: Cheapest Car Insurance in Troy, Kansas

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

Best Annual Car Insurance Rates by Company in Troy, Kansas

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Troy, KS 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, KS car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Troy, Kansas

Insurance Company Low Medium High
Allstate $3,772 $3,872 $3,997
American Family $2,241 $2,330 $2,084
Farmers $3,721 $3,859 $4,062
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,374 $4,471 $4,600
Nationwide $2,514 $2,367 $2,300
Progressive $4,011 $4,205 $4,496
State Farm $2,679 $2,795 $2,887
Travelers $3,905 $4,122 $4,322
USAA $2,240 $2,306 $2,388

What affects car insurance rates in Troy, Kansas?

What factors can have an impact on Troy, KS 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, Kansas.

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, KS is 24.7 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, KS traffic data from INRIX ranks Troy as the 789th-most congested in the world.

Compare Car Insurance Quotes in Troy, KS

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption