Cheap Quotes for Troy, ME Car Insurance (2021)

Troy, Maine car insurance rates average $217 a month and Maine law requires coverage of at least 50/100/25. By comparing rates from multiple Troy, ME 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, ME for senior drivers are $1,529/year
  • Average car insurance rates in Troy, ME after a DUI are $3,078/year
  • Average car insurance rates in Troy, ME are $217/month

How do the Troy, Maine monthly average car insurance rates of $217/month compare to nearby cities like Portland car insurance rates, Auburn car insurance rates, and Sanford car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Troy, ME.

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

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

What are the minimum Troy, ME car insurance requirements?

To meet Maine minimum car insurance coverage requirements, Troy, ME drivers need to carry at least 50/100/25 coverage.

Minimum Required Car Insurance Coverage in Troy, Maine

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $50,000 per person
$100,000 per accident
Property Damage Liability Coverage $25,000 minimum

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

Three of the criteria that most affect car insurance rates in Troy, Maine 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, Maine

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 $1,859 $1,912 $1,666 $1,807 $4,662 $6,252 $2,026 $2,269
Farmers $1,631 $1,645 $1,518 $1,640 $4,911 $5,535 $1,894 $1,968
GEICO $989 $1,024 $989 $989 $2,397 $3,119 $1,078 $1,152
Liberty Mutual $3,026 $3,026 $2,881 $2,881 $6,444 $9,650 $3,026 $4,267
Progressive $1,879 $1,841 $1,879 $1,841 $7,809 $8,777 $2,194 $2,485
State Farm $1,313 $1,313 $1,236 $1,236 $4,167 $5,195 $1,463 $1,603
Travelers $1,178 $1,225 $1,069 $1,095 $4,739 $6,402 $1,177 $1,368
USAA $887 $875 $882 $862 $2,919 $3,221 $1,129 $1,187

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

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

Annual Car Insurance Rates for Teen Drivers in Troy, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,662 $6,252
Farmers $4,911 $5,535
GEICO $2,397 $3,119
Liberty Mutual $6,444 $9,650
Progressive $7,809 $8,777
State Farm $4,167 $5,195
Travelers $4,739 $6,402
USAA $2,919 $3,221

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

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

Annual Car Insurance Rates for Senior Drivers in Troy, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,666 $1,807
Farmers $1,518 $1,640
GEICO $989 $989
Liberty Mutual $2,881 $2,881
Progressive $1,879 $1,841
State Farm $1,236 $1,236
Travelers $1,069 $1,095
USAA $882 $862

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

How much coverage do you need? Are you comfortable with the Maine minimum of 50/100/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Troy, ME car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Troy, Maine

Insurance Company Low Medium High
Allstate $2,772 $2,773 $2,874
Farmers $2,503 $2,520 $2,755
GEICO $1,439 $1,448 $1,514
Liberty Mutual $4,352 $4,352 $4,497
Progressive $3,525 $3,531 $3,708
State Farm $2,137 $2,169 $2,267
Travelers $2,246 $2,250 $2,349
USAA $1,466 $1,478 $1,542

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

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

Annual Troy, Maine Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,289 $3,108 $3,242 $2,588
Farmers $2,272 $2,890 $2,508 $2,701
GEICO $1,066 $1,501 $2,235 $1,066
Liberty Mutual $3,409 $3,989 $6,502 $3,699
Progressive $2,878 $4,853 $3,201 $3,420
State Farm $1,990 $2,392 $2,191 $2,191
Travelers $1,902 $2,114 $2,646 $2,465
USAA $1,136 $1,496 $2,099 $1,250

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

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

Annual Car Insurance Rates After a DUI in Troy, Maine

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,242
Farmers $2,508
GEICO $2,235
Liberty Mutual $6,502
Progressive $3,201
State Farm $2,191
Travelers $2,646
USAA $2,099

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

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

Annual Car Insurance Rates by Credit Score in Troy, Maine

Insurance Company Poor Fair Good
Allstate $3,531 $2,686 $2,202
Farmers $3,007 $2,481 $2,290
GEICO $1,974 $1,309 $1,117
Liberty Mutual $6,126 $3,969 $3,104
Progressive $4,061 $3,476 $3,227
State Farm $3,191 $1,906 $1,476
Travelers $2,685 $2,200 $1,959
USAA $1,962 $1,349 $1,174

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

Troy, ME car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Maine 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, Maine

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,806 $2,806
Farmers $2,593 $2,593
GEICO $1,443 $1,491
Liberty Mutual $4,309 $4,491
Progressive $3,588 $3,588
State Farm $2,119 $2,262
Travelers $2,282 $2,282
USAA $1,453 $1,537

Who has the cheapest Troy, ME car insurance rates?

Here’s a breakdown of Troy, Maine 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, Maine

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

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What are the top Troy, ME car insurance companies?

Which Troy, Maine 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, Maine

Insurance Company Average Annual Rates
Allstate $2,807
Farmers $2,593
GEICO $1,467
Liberty Mutual $4,400
Progressive $3,588
State Farm $2,191
Travelers $2,282
USAA $1,495

What factors affect Troy, ME car insurance rates?

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

What is the traffic like in Troy, ME

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

Car Insurance Quotes for Troy, ME

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