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Get Cheap Car Insurance in Downtown Troy, Troy, MI
We monitor insurance prices, helping the average driver in Downtown Troy save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Downtown Troy
The chart below shows the cheapest car insurance company in Downtown Troy for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Downtown Troy Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $113 |
| Progressive | $129 |
| State Farm | $131 |
| Safeco Insurance | $138 |
Savings for Every Kind of Downtown Troy Driver
Based on our extensive insurance data, we know the average Downtown Troy driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,230 per year by choosing the right vehicle insurance company. Some Downtown Troy residents are paying out over $3,060 extra every year for auto insurance in Downtown Troy. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Troy, Troy, MI Savings / Yr. |
|---|---|
$1,230 |
|
$2,008 |
|
$1,777 |
|
$2,700 |
|
$3,186 |
|
$0 |
|
$0 |
Downtown Troy Car Insurance vs. Troy
People living in Downtown Troy pay an average of 5.56% more than the typical driver in the state. The average driver in Downtown Troy can expect to pay about $2,324 per year, or $3,060 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Downtown Troy for most people.
Car Insurance Prices by Downtown Troy Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Troy?
The map shows insurance prices in and around Downtown Troy, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $331 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,246 to a low of $2,915. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central parts of Downtown Troy.Pick the Best Car Insurance Company for You in Downtown Troy
The best car insurance provider for most drivers in Downtown Troy
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,230 over the average Downtown Troy car insurance company.
The best car insurance provider for Downtown Troy drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $2,008 over the competition.
The best car insurance company for Downtown Troy drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,777 better than other car insurance companies.
The best auto insurance for Downtown Troy drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,700 less each year.
The least expensive car insurance company for new and young drivers in Downtown Troy
In Downtown Troy, Geico costs young drivers $3,186 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Troy
The cheapest car insurance in Downtown Troy for drivers with bad credit
The best Downtown Troy car insurance company for customer service
Nationwide was the best company for customer service in Downtown Troy according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Troy
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Downtown Troy driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Troy, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Downtown Troy
What Influences the Cost of Car Insurance in Downtown Troy?
On average, car insurance in Downtown Troy is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Downtown Troy is 27 minutes, which is about the national average for a driver in the city.
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Downtown Troy is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Troy is $194 per month for minimum coverage and $255 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Downtown Royal Oak: Insurance costs 1.21% more
- Downtown Madison Heights: Insurance costs 3.33% more
- Brooklands Park: Insurance costs 3.24% less
- Downtown Southfield: Insurance costs 28.79% more
- Eight Mile Wyoming: Insurance costs 32.65% more
- Pembroke: Insurance costs 31.54% more
- Greenfield: Insurance costs 30.62% more
- O Hair Park: Insurance costs 31.67% more
- Bagley: Insurance costs 31.41% more
- Winship: Insurance costs 31.54% more
Neighborhoods with Similar Populations
- South Westnedge: Insurance costs 5.62% less
- Timberwood Park: Insurance costs 42.88% less
- Eagle Point District: Insurance costs 59.44% less
- Southside: Insurance costs 51.83% less
- Enterprise: Insurance costs 37.03% less
- Frederickson: Insurance costs 46.99% less
- Glendale: Insurance costs 19.97% less
- Southeast: Insurance costs 51.47% less
- Harding: Insurance costs 35.29% less
- Harris Ranch: Insurance costs 65.00% less