For a 40-year-old driver with a clean record, Troy car insurance averages about $344 a month ($4,123 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% below the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Troy table, at about $137 a month.
Troy costs less to insure than Oakland County as a whole: our benchmark driver pays about $344 a month here, 3% below the Michigan average and about $18 below the county’s.
Our data covers four Troy ZIP codes, and 48083 costs the most, about $49 a month more than 48084 and 48098. Check yours before you compare car insurance quotes in Troy, MI.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Troy ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Troy averages $4,123 a year, or about $344 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $1,163 a year ($97 a month), and 50/100/50 liability with comprehensive and collision averages $3,991 ($333 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $657 a month is 2.5 times the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Hanover, the Troy average would be about $265 a month.
The published 2026 statewide Michigan rate studies we reviewed most often rank GEICO cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. One puts Progressive first, one Travelers and one Auto-Owners. For liability-only coverage at 20/40/10 limits, Farm Bureau and Auto-Owners are effectively tied for the lowest average among these five insurers, at about $74 and $76 a month.
Full-coverage averages by insurer in Troy
Monthly, for the same driver and car. The AAA Auto Club row in the table isn’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $1,194 | $100 | $2,010 | $168 |
| Auto-Owners | $916 | $76 | $3,148 | $262 |
| State Farm | $1,704 | $142 | $3,629 | $302 |
| Farm Bureau Insurance of Michigan | $892 | $74 | $3,947 | $329 |
| Hanover | $1,110 | $93 | $7,881 | $657 |
| AAA Auto Club (Nov. 2025 rates)* | $2,381 | $198 | $4,502 | $375 |
| USAA (military families)* | $506 | $42 | $1,510 | $126 |
| GEICO* | $775 | $65 | $1,649 | $137 |
| Travelers* | $570 | $48 | $2,009 | $167 |
| Troy average | $1,163 | $97 | $4,123 | $344 |
This table uses Troy ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the four Troy ZIP codes we price, full coverage for our driver ranges from about $326 a month in 48084 and 48098 to $375 in 48083, a gap of $588 a year.
Lowest-priced Troy ZIP codes
Highest-priced Troy ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Troy’s average.
| ZIP Code: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 48083 | $1,369 | $114 | $4,501 | $375 | +9% |
| 48084 | $1,040 | $87 | $3,913 | $326 | -5% |
| 48085 | $1,170 | $98 | $4,161 | $347 | +1% |
| 48098 | $1,074 | $90 | $3,916 | $326 | -5% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $132 a year on average in our Troy data, with the same $500 deductibles. That’s about $11 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Troy ZIP codes, their full-coverage average fell from $4,574 a year nine months earlier to $4,167 in rates as of Aug. 31, 2026, an 8.9% drop. Troy averages dropped 14.2% at Hanover, 5.1% at State Farm, 4.9% at Progressive and 0.7% at Auto-Owners. Leaving Hanover out, the other three insurers in both sets of rates averaged 3.5% less for full coverage. Farm Bureau is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Troy average above. AAA Auto Club’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/10 limits fell 6.4%, led by Hanover, which cut its liability-only average 30.2%.
Oakland County averages about $362 a month for full coverage in our data, the fifth-most expensive of the 70 Michigan counties we price. Prices vary a lot inside the county: Southfield averages about $487 a month and Pontiac $459, while Rochester and Birmingham average $328 and $329.
Liability-only prices are close at the low end: Farm Bureau and Auto-Owners are within about $2 a month of each other in our Troy data. Michigan insurers can group drivers by territory, so where you keep your car can move your price even though the law bars rating by ZIP code itself.
More Michigan cities and towns are in the Michigan rates by city table, and you can compare states on our car insurance rates by state page.
Sterling Heights, about six miles east, averages about $428 a month, and Warren, to the southeast, $463. Royal Oak averages about $326. For statewide prices, see our guide to cheap auto insurance in Michigan.
Drivers in Troy follow Michigan’s no-fault rules. Every policy must include:
If you don’t choose a PIP medical level, your policy includes unlimited PIP medical coverage, according to the Michigan Department of Insurance and Financial Services. You can show proof of insurance on your phone, under MCL 257.328. Our Michigan requirements guide covers the PIP choices, the mini-tort rule and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Michigan law and the Michigan Department of Insurance and Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Troy averages about $344 a month ($4,123 a year) and liability-only coverage at 20/40/10 limits about $97 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 3% below the Michigan average of $354 a month. Without Hanover, the Troy average is about $265 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Troy table, at about $137 a month, followed by Travelers and Progressive, effectively tied at about $167 and $168 a month. USAA, which sells only to military families, is lower still, at about $126 a month. Among the five major insurers we compared, full-coverage averages run from about $168 to $657 a month. Progressive’s Troy average is 36% below Auto-Owners’ ($262), a lead wide enough that we show the range instead of naming a single cheapest insurer. For liability-only coverage at 20/40/10 limits, Farm Bureau and Auto-Owners are effectively tied for the lowest average among the five major insurers we compared. GEICO’s figure is priced from published 2026 Michigan rate studies and scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Troy full coverage averages about $344 a month and Sterling Heights about $428, a difference of about $84 a month for the same driver and car.
In our data, 48084 and 48098 share the lowest full-coverage average in Troy, at about $326 a month, and 48083 the highest, at about $375. The ZIP code table on this page lists all four.
In our Troy data, full coverage (100/300/100 with $500 deductibles) averages about $344 a month and liability-only coverage at 20/40/10 limits about $97, a difference of about $247 a month ($2,960 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Michigan law doesn’t require full coverage, but a lender or leasing company may.
Every policy in Troy must include personal injury protection, property protection insurance of up to $1 million and bodily injury liability of $250,000 per person and $500,000 per crash, unless you sign a form choosing lower limits of at least $50,000 and $100,000, plus $10,000 in property damage liability for crashes in other states. If you don’t choose a PIP medical level, you get unlimited coverage.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Farm Bureau is new over the past nine months), their Troy full-coverage average fell 8.9%, from about $4,574 to $4,167 a year. That’s higher than the Troy average of $4,123 because it leaves out Farm Bureau. Hanover cut its Troy average 14.2%, State Farm 5.1%, Progressive 4.9% and Auto-Owners 0.7%. Liability-only coverage at 20/40/10 limits fell 6.4%.
For our benchmark driver, full coverage in Troy averages about $344 a month. Nearby, Sterling Heights averages about $428, Warren about $463 and Livonia about $335. Livonia is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
