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Get Cheap Car Insurance in Troy, SD
We monitor insurance prices, helping the average driver in Troy save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in Troy
The chart below shows the cheapest car insurance company in 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 American Family Insurance, Midvale Home & Auto, and State Farm.
| Troy Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $24 |
| American Family Insurance | $27 |
| Midvale Home & Auto | $28 |
| State Farm | $28 |
Savings for Every Kind of Troy Driver
Based on our extensive insurance data, we know the average Troy driver will save about 21% 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 $315 per year by choosing the right vehicle insurance company. Some Troy residents are paying out over $1,522 extra every year for auto insurance in Troy. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Troy, SD Savings / Yr. |
|---|---|
$315 |
|
$637 |
|
$492 |
|
$716 |
|
$1,190 |
|
$348 |
|
$545 |
Troy Car Insurance vs. South Dakota
People living in Troy pay an average of 7.79% less than the typical driver in the state. The average driver in Troy can expect to pay about $417 per year, or $1,522 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Troy for most people.
Car Insurance Prices by Troy Neighborhood
Insurance Prices
Where is insurance cheapest within Troy?
The map shows insurance prices in and around Troy, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $81 per year within the city boundaries, with insurance premiums ranging from a high of $1,558 to a low of $1,477. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the East parts of Troy.Pick the Best Car Insurance Company for You in Troy
The best car insurance provider for most drivers in Troy
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $315 over the average Troy car insurance company.
The best car insurance provider for Troy drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $637 over the competition.
The best car insurance company for Troy drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $492 better than other car insurance companies.
The best auto insurance for Troy drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $716 less each year.
The least expensive car insurance company for new and young drivers in Troy
In Troy, State Farm costs young drivers $1,190 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Troy
State Farm gave the largest car insurance discounts to married couples, averaging $348 saved each year compared to an average Troy couple's premiums.
The cheapest car insurance in Troy for drivers with bad credit
The best Troy car insurance company for customer service
Recent price drops
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The cheapest large national provider in Troy
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Troy driver can expect to pay about $111 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 Troy, USAA has the best prices for drivers with bad credit, drivers with a DUI conviction, good drivers, young drivers, drivers with accidents, drivers with speeding tickets, and married couples.Auto Insurance Prices in and Around Troy
What Influences the Cost of Car Insurance in Troy?
On average, car insurance in Troy is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- The average commute time in Troy is 23 minutes, which is about the national average for a driver in the state.
- South Dakota state insurance regulations may require higher prices.
- An average of 23 to 24 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Troy are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Troy has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Troy is $35 per month for minimum coverage and $127 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 Cities
- Stockholm: Insurance costs 2.96% less
- Strandburg: Insurance costs 2.56% less
- South Shore: Insurance costs 0.26% less
- Kranzburg: Insurance costs 2.37% less
- Rauville: Insurance costs 2.04% less
- Labolt: Insurance costs 2.56% less
- Goodwin: Insurance costs 1.38% more
- Watertown: Insurance costs the same
- Waverly: Insurance costs 1.05% less
- Twin Brooks: Insurance costs 2.30% less
Cities with Similar Populations
- Vintonton: Insurance costs 39.75% more
- Valera: Insurance costs 7.16% more
- Vallonia Springs: Insurance costs 51.51% more
- Vamori: Insurance costs 1.58% more
- Veribest: Insurance costs 10.18% more
- Veseleyville: Insurance costs 6.77% less
- Vesta: Insurance costs 12.88% less
- Victory Mills: Insurance costs 35.94% more
- Vining: Insurance costs 12.35% more
- Vada: Insurance costs 55.58% more