Compare Free Troy, MI Car Insurance Quotes

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How to Find Affordable Troy Car Insurance

If you are need to find the best rates at affordable prices for car insurance in Troy, drivers are can use online comparison tools like InsuranceQuotes. By comparing multiple providers on platforms like InsuranceQuotes.com, individuals can easily find the cheapest insurance policies available. This not only saves them valuable time but also helps them save money by ensuring they get the most competitive rates possible. With user-friendly cost tools and a convenient quote form all in one place, InsuranceQuotes.com offers an efficient solution for those seeking affordable coverage options in Troy and beyond.

How Much is the Average Cost for Car Insurance in Troy, MI

  • On average minimum liability costs for Troy drivers is $207 a month or $2,484  a year.
  • Full coverage policies cost around $491 a month or $5,894 a year.

InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Troy – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.


Who are the Cheapest Car Insurance Companies in Troy, Michigan?

Here is a breakdown of average costs from the cheapest local insurance providers in Troy from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:

Insurance Provider:State Minimum:Monthly:Full Coverage:Monthly:
Progressive:$1,079$90$2,826$236
Auto-Owners Insurance:$1,977$165$5,444$454
State Farm$7,889$657$14,521$1,210
AAA – Member Select:$12,378$1,032$17,778$1,481
Citizens Insurance:$21,261$1,772$38,021$3,168

What are State Minimum Liability Requirements in Michigan?

Michigan has unique car insurance laws compared to other states. Michigan operated under a “no-fault” insurance system, which required drivers to have Personal Injury Protection (PIP) coverage, among other types of coverage. Here are the state minimum liability car insurance requirements for Michigan:

  1. Personal Injury Protection (PIP): Michigan drivers were required to have PIP coverage, also known as “no-fault” coverage. PIP covered medical expenses, lost wages, and other related costs for you and your passengers, regardless of who was at fault in an accident. The minimum PIP coverage limits were determined by the state and were subject to change.
  2. Property Protection Insurance (PPI): Michigan drivers were also required to have Property Protection Insurance (PPI), which covered up to $1 million for damage your vehicle caused to another person’s property, such as buildings, fences, and parked vehicles.

Michigan does not have specific bodily injury or property damage liability coverage requirements.

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