Cheap Quotes for Troy, AL Car Insurance (2021)

Troy, Alabama car insurance rates average $294 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Troy, AL companies, you can find cheap Troy car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Troy, AL for senior drivers are $1,884/year
  • Troy has an average commute time of 16.9 minutes
  • The cheapest car insurance company in Troy is USAA

How do the Troy, Alabama monthly average car insurance rates of $294/month compare to nearby cities like Auburn car insurance rates, Dothan car insurance rates, and Mobile car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Troy, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Troy, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Troy, Alabama companies to find the most affordable Troy car insurance rates.

Enter your ZIP code above to find cheap Troy, AL car insurance quotes today.

What are the minimum Troy, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Troy, AL drivers need to carry at least 25/50/25 coverage.

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

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Average Troy, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Troy, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Troy, Alabama

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

How do age, gender, and marital status affect Troy, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Troy, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Troy car insurance companies.

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

How much do teen drivers pay for car insurance in Troy, AL?

Troy, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Troy car insurance rates from multiple Troy, Alabama car insurance companies to get the best deal.

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

How much do senior drivers pay for car insurance in Troy, AL?

With a little research, seniors can find affordable car insurance in Troy, Alabama. Here’s a look at how the top Troy car insurance companies stack up.

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

How does coverage level affect Troy, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Troy, AL car insurance rates will be. Let’s take a look.

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

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How does your driving record affect Troy, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Troy, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Troy, Alabama 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

How does a DUI affect Troy, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Troy, AL car insurance rates.

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

How does your credit history affect Troy, AL car insurance rates?

Take a look at the data here to see how your Troy, Alabama car insurance rates are affected by your credit history.

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

How does your commute affect Troy, AL car insurance rates?

Troy, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Troy if you’re financing.

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

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Who has the cheapest Troy, AL car insurance rates?

Here’s a breakdown of Troy, Alabama car insurance rates by company. You can see which company offers the cheapest Troy car insurance rates in each category.

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

What are the top Troy, AL car insurance companies?

Which Troy, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Troy companies to find the one for you.

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

What factors affect Troy, AL car insurance rates?

Why are Troy, Alabama car insurance rates different than rates in Auburn or Dothan? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Troy, AL?

FBI statistics show that the Troy, Alabama car theft rate is 56 thefts each year. High theft rates can lead to higher than average Troy, AL car insurance rates.

How long is the average commute in Troy, AL?

More time spent behind the wheel can lead to higher Troy, Alabama car insurance rates. In Troy, AL, the average commute length is 16.9 minutes.

What is the traffic like in Troy, AL

Like commute length, time spent in traffic also increase risk of accidents. Troy, AL is listed as 789th in INRIX congested cities data.

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Car Insurance Quotes for Troy, AL

Shop for affordable Troy, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Troy, AL car insurance companies.

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