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Cheap Auto Insurance Quotes in Troy, MI (January 2022)

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Last Updated: January 2022
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Car Insurance in Troy, MI

The average cost of Michigan car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Troy, MI to find you the cheapest quotes in the area.
$368
Liberty Mutual

Cheapest Car Insurance in Troy, MI

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$393
$520
$241
$338
$498
$368
MichiganDetroitGrand RapidsWarrenSterling HeightsTroy
Click here to learn about car insurance quotes and save on your current policy.

Troy, MI Driving Facts

michigan

Minimum Car Insurance Requirements in MI

Michigan has more complex insurance laws, centered around a no-fault car insurance policy mandate, that are designed to cover injuries and damages caused in an accident regardless of fault. Michigan car insurance companies also offer three types of collision car insurance: limited, standard, and broad form.

Insurify Insights: How Troy Drivers Measure Up

jeep
Jeep Grand Cherokee
Most Popular Car in
Troy, MI
suspended licenses
#--
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Troy drivers measure up to their fellow Michigan motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Troy

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Troy drivers rank 21 in the number of car accidents per driver across all cities in Michigan.

  • Rank within state: #21
  • Percent of drivers in Troy with an accident: 5.38%
  • Drivers in Troy, MI with an accident in their driving history paid on average 45.14% more than drivers with a clean record

Speeding in Troy

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Michigan, Troy drivers rank 12 in the number of speeding infractions per driver.

  • Rank within state: #12
  • Percent of drivers in Troy with a speeding ticket: 7.69%
  • Drivers in Troy, MI with a speeding ticket in their driving history paid on average --% more than drivers with a clean record

DUI/DWIs in Troy

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Troy drivers rank 39 in the number of DUI’s per driver across all cities in Michigan.

  • Rank within state: #39
  • Percent of drivers in Troy with a DUI: 0.77%
  • Drivers in Troy, MI with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Troy

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Troy is the Jeep Grand Cherokee.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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