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Get Cheap Car Insurance in Downtown Troy, Troy, NY
We monitor insurance prices, helping the average driver in Downtown Troy save up to 32.6% 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 Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Downtown Troy Insurer | Monthly Cost |
|---|---|
| Kemper | $95 |
| Plymouth Rock Assurance | $126 |
| Safeco Insurance | $135 |
| Geico | $141 |
Savings for Every Kind of Downtown Troy Driver
Based on our extensive insurance data, we know the average Downtown Troy driver will save about 30% 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, credit score, marital status, and age. The average driver will find themselves saving $766 per year by choosing the right vehicle insurance company. Some Downtown Troy residents are paying out over $2,568 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, NY Savings / Yr. |
|---|---|
$766 |
|
$488 |
|
$975 |
|
$987 |
|
$2,417 |
|
$809 |
|
$1,289 |
Downtown Troy Car Insurance vs. Troy
People living in Downtown Troy pay an average of 5.89% more than the typical driver in the state. The average driver in Downtown Troy can expect to pay about $1,863 per year, or $2,568 for full coverage.
Based on our analysis, Kemper 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 $843 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,109 to a low of $2,266. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast 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, Kemper is the best option, with annual savings of $766 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, Kemper saved the average person who had been in an accident the most, with annual savings averaging $488 over the competition.
The best car insurance company for Downtown Troy drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $975 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 $987 less each year.
The least expensive car insurance company for new and young drivers in Downtown Troy
In Downtown Troy, Progressive costs young drivers $2,417 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Troy
Progressive gave the largest car insurance discounts to married couples, averaging $809 saved each year compared to an average Downtown Troy couple's premiums.
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 $183 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, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.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:
- New York state insurance regulations may require higher prices.
- An average of 16 to 17 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Troy are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A+ 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 $155 per month for minimum coverage and $214 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
- Arbor Hill: Insurance costs 18.89% more
- West Hill: Insurance costs 15.34% more
- Sheridan Hollow: Insurance costs 12.07% more
- West End: Insurance costs 8.33% more
- Central Ave: Insurance costs 7.24% more
- Center Square: Insurance costs 6.15% less
- Pine Hills: Insurance costs 4.63% less
- South End: Insurance costs 20.95% more
- New Scotland-Woodlawn: Insurance costs 5.88% less
- Helderberg: Insurance costs 9.74% less
Neighborhoods with Similar Populations
- Song: Insurance costs 24.77% less
- Ruby Hill: Insurance costs 10.94% less
- Northland Lyceum: Insurance costs 2.38% less
- Alameda: Insurance costs 34.19% less
- Thomasville: Insurance costs 14.29% less
- Northwest Los Angeles Heights: Insurance costs 22.62% less
- Naples-Marina Area: Insurance costs 16.04% less
- Midtown-Detroit: Insurance costs 38.82% more
- Lakeshore at University Park: Insurance costs 28.86% more
- State College Area: Insurance costs 18.19% less