Compare Troy, PA Car Insurance Rates (2021)

Car insurance in Troy, PA averages $325 a month. Troy, Pennsylvania car insurance requirements are 15/30/5, 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, PA.

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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

  • The cheapest car insurance company in Troy is USAA
  • Average car insurance rates in Troy, PA are $3,895/year
  • The cheapest car insurance company in Troy for teen drivers is USAA

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

You’ll find Troy car insurance rates, the cheapest Troy, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Troy, Pennsylvania car insurance rates to Lancaster car insurance rates, Bethlehem car insurance rates, and Altoona car insurance rates.

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

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

How do age, gender, and marital status affect Troy, PA car insurance rates? Every Troy, Pennsylvania 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, Pennsylvania

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 $2,267 $2,267 $2,061 $2,061 $6,932 $6,932 $2,521 $2,521
GEICO $2,044 $1,768 $1,892 $1,639 $5,037 $4,368 $2,076 $1,796
Liberty Mutual $4,040 $4,040 $3,696 $3,696 $11,916 $11,916 $5,145 $5,145
Nationwide $1,851 $1,851 $1,746 $1,746 $5,154 $5,154 $2,070 $2,070
Progressive $2,685 $2,685 $2,388 $2,388 $8,325 $8,325 $3,442 $3,442
State Farm $1,682 $1,682 $1,466 $1,466 $5,747 $5,747 $1,841 $1,841
Travelers $1,773 $1,773 $1,883 $1,883 $24,880 $24,880 $2,164 $2,164
USAA $1,084 $1,084 $977 $977 $3,142 $3,142 $1,445 $1,445

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Minimum Car Insurance in Troy, PA

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

Minimum Required Car Insurance Coverage in Troy, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Troy, PA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Troy, PA. 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, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,425 $3,271 $2,641
GEICO $3,869 $2,179 $1,684
Liberty Mutual $7,916 $5,673 $5,008
Nationwide $3,178 $2,606 $2,331
Progressive $5,599 $3,904 $3,127
State Farm $3,823 $2,365 $1,865
Travelers $8,373 $7,538 $7,114
USAA $2,082 $1,541 $1,362

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

Annual Troy, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,307 $3,860 $3,307 $3,307
GEICO $1,896 $3,225 $2,550 $2,639
Liberty Mutual $5,702 $6,434 $6,330 $6,330
Nationwide $1,945 $2,600 $3,652 $2,624
Progressive $3,830 $5,225 $3,939 $3,845
State Farm $2,485 $2,883 $2,684 $2,684
Travelers $5,495 $7,752 $9,701 $7,752
USAA $1,343 $1,837 $1,966 $1,500

Cheapest Troy, PA Car Insurance for Teen Drivers

Teen car insurance in Troy, PA 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, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,932 $6,932
GEICO $5,037 $4,368
Liberty Mutual $11,916 $11,916
Nationwide $5,154 $5,154
Progressive $8,325 $8,325
State Farm $5,747 $5,747
Travelers $24,880 $24,880
USAA $3,142 $3,142

Cheapest Troy, PA Car Insurance for Seniors

Take a look at Troy, PA 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, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,061 $2,061
GEICO $1,892 $1,639
Liberty Mutual $3,696 $3,696
Nationwide $1,746 $1,746
Progressive $2,388 $2,388
State Farm $1,466 $1,466
Travelers $1,883 $1,883
USAA $977 $977

Cheapest Troy, PA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Troy, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,307
GEICO $2,550
Liberty Mutual $6,330
Nationwide $3,652
Progressive $3,939
State Farm $2,684
Travelers $9,701
USAA $1,966

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Cheapest Troy, PA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Troy, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,384 $3,507
GEICO $2,532 $2,623
Liberty Mutual $6,039 $6,360
Nationwide $2,705 $2,705
Progressive $4,210 $4,210
State Farm $2,605 $2,763
Travelers $7,675 $7,675
USAA $1,614 $1,709

The Best Cheap Car Insurance Companies in Troy, PA

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

Average Annual Car Insurance Rates by Company in Troy, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,445
GEICO $2,578
Liberty Mutual $6,199
Nationwide $2,705
Progressive $4,210
State Farm $2,684
Travelers $7,675
USAA $1,662

Category Winners: Cheapest Car Insurance in Troy, Pennsylvania

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

Best Annual Car Insurance Rates by Company in Troy, Pennsylvania

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

Annual Car Insurance Rates by Coverage Level in Troy, Pennsylvania

Insurance Company Low Medium High
Allstate $3,315 $3,463 $3,558
GEICO $2,381 $2,597 $2,755
Liberty Mutual $5,965 $6,233 $6,399
Nationwide $2,741 $2,734 $2,640
Progressive $3,901 $4,233 $4,495
State Farm $2,555 $2,710 $2,787
Travelers $7,888 $7,648 $7,489
USAA $1,557 $1,675 $1,754

What affects car insurance rates in Troy, Pennsylvania?

What factors can have an impact on Troy, PA 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, Pennsylvania.

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, PA is 20.2 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, PA traffic data from INRIX ranks Troy as the 789th-most congested in the world.

Compare Car Insurance Quotes in Troy, PA

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

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