Compare Troy, VA Car Insurance Rates (2021)

Car insurance in Troy, VA averages $203 a month. Troy, Virginia car insurance requirements are 25/50/20, 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, VA.

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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, VA after a DUI are $2,874/year
  • Average car insurance rates in Troy, VA are $2,432/year
  • The cheapest car insurance company in Troy is USAA

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

You’ll find Troy car insurance rates, the cheapest Troy, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Troy, Virginia car insurance rates to Newport News car insurance rates, Alexandria car insurance rates, and Roanoke car insurance rates.

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

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

How do age, gender, and marital status affect Troy, VA car insurance rates? Every Troy, Virginia 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, Virginia

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 $2,061 $1,948 $2,049 $2,049 $6,403 $7,375 $2,676 $2,684
GEICO $1,463 $1,464 $1,386 $1,386 $3,070 $4,128 $1,701 $1,688
Nationwide $1,573 $1,584 $1,391 $1,433 $3,761 $4,869 $1,736 $1,897
Progressive $1,229 $1,172 $1,109 $1,114 $5,570 $6,251 $1,491 $1,527
State Farm $1,564 $1,564 $1,401 $1,401 $4,616 $5,800 $1,766 $2,036
USAA $1,168 $1,155 $1,082 $1,098 $3,504 $4,187 $1,510 $1,665

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Minimum Car Insurance in Troy, VA

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

Minimum Required Car Insurance Coverage in Troy, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Troy, VA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Troy, VA. 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, Virginia

Insurance Company Poor Fair Good
Allstate $4,147 $3,325 $2,745
GEICO $2,262 $1,923 $1,923
Nationwide $2,711 $2,167 $1,964
Progressive $2,716 $2,370 $2,213
State Farm $3,583 $2,220 $1,753
USAA $2,577 $1,748 $1,439

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

Annual Troy, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,559 $4,048 $3,729 $3,286
GEICO $1,542 $2,007 $3,052 $1,542
Nationwide $1,978 $1,978 $2,917 $2,250
Progressive $2,082 $2,752 $2,475 $2,423
State Farm $2,306 $2,731 $2,519 $2,519
USAA $1,492 $1,928 $2,551 $1,713

Cheapest Troy, VA Car Insurance for Teen Drivers

Teen car insurance in Troy, VA 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, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,403 $7,375
GEICO $3,070 $4,128
Nationwide $3,761 $4,869
Progressive $5,570 $6,251
State Farm $4,616 $5,800
USAA $3,504 $4,187

Cheapest Troy, VA Car Insurance for Seniors

Take a look at Troy, VA 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, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,049 $2,049
GEICO $1,386 $1,386
Nationwide $1,391 $1,433
Progressive $1,109 $1,114
State Farm $1,401 $1,401
USAA $1,082 $1,098

Cheapest Troy, VA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Troy, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,729
GEICO $3,052
Nationwide $2,917
Progressive $2,475
State Farm $2,519
USAA $2,551

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Cheapest Troy, VA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Troy, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,304 $3,507
GEICO $1,998 $2,074
Nationwide $2,280 $2,280
Progressive $2,433 $2,433
State Farm $2,458 $2,579
USAA $1,850 $1,992

The Best Cheap Car Insurance Companies in Troy, VA

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

Average Annual Car Insurance Rates by Company in Troy, Virginia

Insurance Company Average Annual Rates
Allstate $3,406
GEICO $2,036
Nationwide $2,280
Progressive $2,433
State Farm $2,519
USAA $1,921

Category Winners: Cheapest Car Insurance in Troy, Virginia

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

Best Annual Car Insurance Rates by Company in Troy, Virginia

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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

Annual Car Insurance Rates by Coverage Level in Troy, Virginia

Insurance Company Low Medium High
Allstate $3,317 $3,407 $3,493
GEICO $1,969 $2,035 $2,104
Nationwide $2,403 $2,257 $2,181
Progressive $2,340 $2,411 $2,548
State Farm $2,387 $2,515 $2,654
USAA $1,848 $1,924 $1,991

What affects car insurance rates in Troy, Virginia?

What factors can have an impact on Troy, VA 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, Virginia.

Traffic in Troy

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

Compare Car Insurance Quotes in Troy, VA

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

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