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?
- In Troy on average the cheapest car insurance providers are Progressive, Auto-Owners and State Farm. State minimum liability car insurance starts at $90 a month or $$1,079 a year. Full coverage car insurance starts at $236 a month or $2,826 a year with Progressive.
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:
- 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.
- 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.
Car insurance in Troy, MI averages approximately $129 per month for minimum coverage and $225 per month for full coverage in 2026. Michigan rates have improved since the 2019 no-fault reform which introduced six PIP tier choices. Auto-Owners Insurance offers some of the most competitive rates in the state starting around $68/month for minimum coverage. Comparing multiple quotes is the fastest way to find the lowest rate for your specific driver profile in Troy.
Michigan requires all drivers to carry 50/100/10 bodily injury liability, $10,000 property damage, $1,000,000 in Property Protection Insurance (PPI), and Personal Injury Protection (PIP) at a coverage level from six available tiers since the 2019 no-fault reform. Michigan is a no-fault state meaning your own PIP pays your medical bills after any accident regardless of fault.
Yes. Michigan is a no-fault state. Since the 2019 reform, drivers choose from six PIP tiers ranging from $50,000 to unlimited lifetime coverage. Your own PIP pays your medical bills after any accident regardless of fault. Choosing a $250,000 PIP tier instead of unlimited can save $30 to $100/month depending on your location in Michigan.
For Troy drivers in 2026, Auto-Owners Insurance is consistently among the most affordable options in the state. Auto-Owners Insurance and GEICO offer the most competitive rates across Michigan. Auto-Owners is Michigan-headquartered and has particularly strong claims service in the state. Progressive specializes in competitive rates for drivers with violations. Always compare at least three quotes since rate variation between carriers in Michigan can exceed $80 to $100/month for identical coverage.
To reduce your Troy car insurance: (1) Compare quotes annually — Auto-Owners Insurance frequently prices below national carriers. (2) Choose a lower PIP tier — switching from unlimited to $250,000 PIP can save $40 to $100/month in Michigan. (3) Bundle your auto and home or renters policies for 5 to 15% savings. (4) Maintain a clean driving record since violations significantly raise rates at renewal. (5) Raise your deductible on collision and comprehensive to $1,000 to cut full-coverage premiums by 10 to 15%.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
