Troy Car Insurance

Everything You Need To Know About Car Insurance in Troy, MI

Troy is a beautiful place to call home, and it’s also a hot spot for tourists. Fodor’s Travel Magazine described Troy’s Somerset Collection as “one of the top shopping malls in the United States,” with 180 upscale boutiques and stores to explore. With so much happening in this busy city, every driver should be covered with a comprehensive Troy car insurance policy.

If you are searching for affordable car insurance in Troy, our Independent Insurance Agents can help you find the perfect policy. These agents quote with multiple companies so you can see all of your options at a single glance. There’s no need to call a dozen agents to get individual quotes when your Independent Insurance Agent can offer you all of your options in one convenient place.

Cost of Car Insurance in Michigan

  • National Average Cost Per Year: $1,311
  • Michigan Average Cost Per Year: $2,476
  • #1 Most Expensive Auto Premium in the U.S.

When it comes to auto insurance rates, Michigan has the most expensive premiums in the United States. That’s why you should do your homework to get the best rate possible. By comparing multiple quotes and policies, you will find the most affordable premium and save hundreds of dollars each year. The cost of Troy auto insurance can vary depending on several factors. Your driving record, your age and even the kind of car you drive will all be considered in your Troy car insurance premium.

Michigan Car Insurance Requirements

  • Body Injury Liability: Required
  • Property Damage Reliability: Required
  • Personal Injury Protection (PIP): Required
  • Minimum Liability Limits: 20/40/10

According to Michigan state law, you are required to have a minimum of $20,000 in coverage for individual injuries, $40,000 for total personal injuries and $10,000 for property damage. These minimums might seem like plenty of coverage, but the cost of an actual car accident is often much higher. If you don’t have enough coverage, you will be responsible to pay the additional costs out of pocket. Always select a Troy car insurance policy with as much liability coverage as you can afford. This is the smartest way to protect your assets in case of an accident.

Number of Uninsured Motorists in Michigan

  • How many U.S. drivers are uninsured?: 12.6%
  • How many Michigan drivers are uninsured?: 21%

With high car insurance premiums, over one-fifth of Michigan drivers are now uninsured. This presents a scary scenario in case of an accident. If the other party isn’t insured, how will you pay for the damage to your vehicle? How will you handle any medical bills you incur from the accident? Take a proactive approach with Uninsured Motorist Coverage to make sure you are protected.

Number of Auto Thefts in Michigan

  • National Number of Thefts per 1,000 Vehicles: 2.94
  • Number of Thefts per 1,000 Vehicles in Michigan: 3.33

Imagine how you would feel if you were to walk out of the Somerset shops and found that your car was missing. When your car is stolen, it can be a really scary situation. Michigan motorists have an increased risk of auto theft, so make sure your Troy auto insurance policy will cover you in case of car theft.

Find a Great Troy Car Insurance Policy

Investing in a comprehensive car insurance policy is the best way for Troy drivers to stay protected. If you don’t have auto insurance or if you aren’t sure you have the best policy, don’t let another day go by without taking action. Our friendly agents can provide quotes from multiple companies to help you find the right car insurance policy for your budget and lifestyle. When you contact an Independent Insurance Agent, you will enjoy total support from start to finish. The agent will explain all of your options and help you create a customized policy that covers all of your concerns, including liability, theft and bodily injury. 

Contact an agent today to learn more about Troy car insurance, and find the auto policy that is right for you.

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