Compare Troy, TN Car Insurance Rates (2021)

Car insurance in Troy, TN averages $302 a month. Troy, Tennessee car insurance requirements are 25/50/15, 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, TN.

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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.

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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, TN after a DUI are $4,273/year
  • Average car insurance rates in Troy, TN are $3,619/year
  • The cheapest car insurance company in Troy is State Farm

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

You’ll find Troy car insurance rates, the cheapest Troy, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Troy, Tennessee car insurance rates to Murfreesboro car insurance rates, Jackson car insurance rates, and Hendersonville car insurance rates.

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

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

How do age, gender, and marital status affect Troy, TN car insurance rates? Every Troy, Tennessee 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, 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
Liberty Mutual $3,519 $129 $2,896 $3,236 $14,019 $15,574 $3,771 $4,019
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

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Minimum Car Insurance in Troy, TN

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

Minimum Required Car 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

Cheapest Troy, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Troy, TN. 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, 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

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

Annual Troy, Tennessee Car 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

Cheapest Troy, TN Car Insurance for Teen Drivers

Teen car insurance in Troy, TN 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, 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
Liberty Mutual $14,019 $15,574
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

Cheapest Troy, TN Car Insurance for Seniors

Take a look at Troy, TN 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, 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
Liberty Mutual $2,896 $3,236
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

Cheapest Troy, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Troy, Tennessee

Insurance Company Annual Car 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

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Cheapest Troy, TN Car Insurance Rates by Commute Length

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

Annual Car 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

The Best Cheap Car Insurance Companies in Troy, TN

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

Average Annual Car Insurance Rates by Company in Troy, Tennessee

Insurance Company Average Annual Rates
Allstate $4,766
Farmers $3,464
GEICO $3,679
Liberty Mutual $5,895
Nationwide $3,236
Progressive $3,560
State Farm $2,469
Travelers $2,642
USAA $2,858

Category Winners: Cheapest Car Insurance in Troy, Tennessee

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

Best Annual Car 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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Cheapest Troy, TN 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, TN car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Troy, Tennessee?

What factors can have an impact on Troy, TN 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, Tennessee.

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, TN is 14.6 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, TN traffic data from INRIX ranks Troy as the 789th-most congested in the world.

Compare Car Insurance Quotes in Troy, TN

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

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