Best Troy, NY Car Insurance in 2024
Car insurance in Troy, NY averages $269 a month. Troy, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Troy car insurance rates, compare quotes from the top car insurance companies in Troy, NY.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Troy is 12180
- The cheapest car insurance company in Troy for teen drivers is Geico
- Average car insurance rates in Troy, NY after a DUI are $4,303/year
If you need to buy Troy, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Troy, NY is right here.
You’ll find Troy car insurance rates, the cheapest Troy, NY car insurance companies, and information on New York car insurance laws. You can also compare Troy, New York car insurance rates to Mount Vernon car insurance rates, Schenectady car insurance rates, and Buffalo car insurance rates.
Ready to find affordable Troy, NY car insurance today? Enter your ZIP code for fast, free Troy car insurance quotes.
Cheapest Troy, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Troy, NY car insurance rates? Every Troy, New York car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,461 | $2,325 | $2,314 | $2,358 | $7,354 | $7,952 | $2,438 | $2,467 |
| Geico | $1,425 | $1,375 | $1,392 | $1,371 | $3,065 | $4,545 | $1,282 | $1,326 |
| Liberty Mutual | $3,560 | $3,560 | $3,318 | $3,318 | $6,956 | $11,272 | $3,560 | $3,775 |
| Nationwide | $2,096 | $2,096 | $1,980 | $1,980 | $3,734 | $5,548 | $2,096 | $2,667 |
| Progressive | $1,728 | $1,602 | $1,377 | $1,402 | $6,176 | $6,876 | $2,250 | $2,191 |
| State Farm | $1,860 | $1,860 | $1,621 | $1,621 | $5,483 | $7,079 | $2,044 | $2,172 |
| Travelers | $2,441 | $2,455 | $2,254 | $2,412 | $5,863 | $6,998 | $2,605 | $2,711 |
| USAA | $1,603 | $1,573 | $1,457 | $1,454 | $6,527 | $7,764 | $2,045 | $2,253 |
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Minimum Car Insurance in Troy, NY
Every driver must carry the minimum car insurance in Troy, NY. Take a look at the New York car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Troy, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Troy, NY. Compare credit history car insurance rates in Troy from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,294 | $3,126 | $2,707 |
| Geico | $2,472 | $1,816 | $1,630 |
| Liberty Mutual | $6,867 | $4,500 | $3,376 |
| Nationwide | $2,775 | $2,775 | $2,775 |
| Progressive | $4,641 | $2,425 | $1,785 |
| State Farm | $4,189 | $2,628 | $2,086 |
| Travelers | $4,726 | $3,030 | $2,646 |
| USAA | $4,738 | $2,396 | $2,120 |
Cheapest Troy, NY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Troy, NY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,130 | $3,130 | $4,607 | $3,968 |
| Geico | $1,534 | $1,673 | $3,150 | $1,534 |
| Liberty Mutual | $3,919 | $3,919 | $7,902 | $3,919 |
| Nationwide | $2,128 | $2,128 | $4,667 | $2,176 |
| Progressive | $2,867 | $2,867 | $3,181 | $2,885 |
| State Farm | $2,827 | $2,827 | $3,107 | $3,107 |
| Travelers | $2,944 | $3,709 | $3,764 | $3,452 |
| USAA | $2,733 | $2,778 | $4,050 | $2,778 |
Cheapest Troy, NY Car Insurance for Teen Drivers
Teen car insurance in Troy, NY can be expensive. Take a look at rates from the top car insurance companies in Troy for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,354 | $7,952 |
| Geico | $3,065 | $4,545 |
| Liberty Mutual | $6,956 | $11,272 |
| Nationwide | $3,734 | $5,548 |
| Progressive | $6,176 | $6,876 |
| State Farm | $5,483 | $7,079 |
| Travelers | $5,863 | $6,998 |
| USAA | $6,527 | $7,764 |
Cheapest Troy, NY Car Insurance for Seniors
Take a look at Troy, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,314 | $2,358 |
| Geico | $1,392 | $1,371 |
| Liberty Mutual | $3,318 | $3,318 |
| Nationwide | $1,980 | $1,980 |
| Progressive | $1,377 | $1,402 |
| State Farm | $1,621 | $1,621 |
| Travelers | $2,254 | $2,412 |
| USAA | $1,457 | $1,454 |
Cheapest Troy, NY Car Insurance Rates After a DUI
A DUI in Troy, NY increases car insurance rates. Compare Troy, New York DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,607 |
| Geico | $3,150 |
| Liberty Mutual | $7,902 |
| Nationwide | $4,667 |
| Progressive | $3,181 |
| State Farm | $3,107 |
| Travelers | $3,764 |
| USAA | $4,050 |
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Cheapest Troy, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Troy, NY by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,659 | $3,759 |
| Geico | $1,914 | $2,032 |
| Liberty Mutual | $4,778 | $5,052 |
| Nationwide | $2,775 | $2,775 |
| Progressive | $2,950 | $2,950 |
| State Farm | $2,865 | $3,070 |
| Travelers | $3,467 | $3,467 |
| USAA | $3,054 | $3,115 |
Cheapest Troy, NY Car Insurance Rates by ZIP Code
Troy car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Troy, NY.
| ZIP Code | Average Annual Rates |
|---|---|
| 12180 | $3,291 |
| 12182 | $3,308 |
| 12183 | $3,304 |
The Best Cheap Car Insurance Companies in Troy, NY
Take a look at a side-by-side comparison of the top car insurance companies in Troy, NY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,709 |
| Geico | $1,973 |
| Liberty Mutual | $4,915 |
| Nationwide | $2,775 |
| Progressive | $2,950 |
| State Farm | $2,967 |
| Travelers | $3,467 |
| USAA | $3,085 |
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Category Winners: Cheapest Car Insurance in Troy, New York
Find the cheapest car insurance companies in Troy, NY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Cheapest Troy, NY Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Troy car insurance rates. Find the cheapest Troy, NY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,525 | $3,698 | $3,903 |
| Geico | $1,867 | $1,971 | $2,080 |
| Liberty Mutual | $4,685 | $4,897 | $5,162 |
| Nationwide | $2,614 | $2,754 | $2,955 |
| Progressive | $2,788 | $2,934 | $3,128 |
| State Farm | $2,825 | $2,983 | $3,095 |
| Travelers | $3,318 | $3,447 | $3,637 |
| USAA | $2,991 | $3,070 | $3,193 |
What affects car insurance rates in Troy, New York?
What factors can have an impact on Troy, NY car insurance? There are several reasons why Troy car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Troy, New York.
Commute Time in Troy
The more time you spend in your car the higher the risk of an accident. The average commute length in Troy, NY is 22.9 minutes according to City-Data.
Traffic in Troy
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Troy, NY traffic data from INRIX ranks Troy as the 789th-most congested in the world.
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Compare Car Insurance Quotes in Troy, NY
Ready to find affordable Troy, New York car insurance today? Enter your ZIP code for fast, free Troy, NY car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Troy, NC?
The average monthly car insurance rate in Troy, NC is $262.
What are the car insurance requirements in Troy, NC?
The car insurance requirements in Troy, NC are 30/60/25. However, if your car is financed, you might need full coverage insurance.
How can I find cheap car insurance rates in Troy, NC?
To find cheap car insurance rates in Troy, NC, you can compare quotes from the top car insurance companies in the area.
How does age, gender, and marital status affect car insurance rates in Troy, NC?
Every car insurance company in Troy, NC weighs age, gender, and marital status differently when determining rates. It’s best to compare rates to see how they are affected.
What is the minimum car insurance required in Troy, NC?
Every driver in Troy, NC must carry the minimum car insurance required by the state. You can find more information about the North Carolina car insurance requirements.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.