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Car Insurance Quotes in Troy, OH

Full coverage / year
$1,338
State minimum / year
$397
Typical quote range
$950 – $1,847

Full coverage car insurance in Troy, OH runs an estimated $1,338 per year — roughly $112 monthly. Premiums here land roughly 11% under the Ohio average thanks to low traffic density and few comprehensive claims. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Troy, OH

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$112/ month
$1,338 per year · carriers in Troy, OH typically quote $950 – $1,847
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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Troy, OH

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,017$85-24%Military members and families only
Geico$1,097$91-18%Usually cheapest for clean records
State Farm$1,177$98-12%Strong for young and student drivers
Progressive$1,271$106-5%Competitive after a ticket or accident
Travelers$1,298$108-3%Good multi-policy discounts
Nationwide$1,338$1120%Mid-market, wide availability
Allstate$1,525$127+14%Higher base rate, heavy discount stacking
Farmers$1,619$135+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Troy, OH. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Troy

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$3,614$1,073$301
18 years old$3,049$905$254
20 years old$2,524$749$210
22 years old$2,097$622$175
25 years old$1,600$475$133
30 years old$1,380$409$115
40 years old$1,297$385$108
50 years old$1,242$368$103
60 years old$1,228$364$102
65 years old$1,283$381$107
70 years old$1,407$418$117
75 years old$1,642$487$137

Estimated premiums by age in Troy, OH, clean record, sedan.

What a ticket, accident or DUI costs in Troy

Driving recordEst. annualIncrease
Clean record$1,338—
1 speeding ticket$1,646+23%
1 at-fault accident$1,967+47%
DUI / DWI$2,529+89%

What a violation costs a 35-year-old in Troy, OH. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Ohio

Every driver registering a vehicle in Ohio must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Ohio Department of Insurance.

Required coverage in OhioMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$25,000
Insurance systemAt-fault (tort)

Coverage levels compared in Troy

Coverage levelEst. annualEst. monthly
State minimum liability$397$33
Full coverage (100/300/100 + comp & collision)$1,338$112
Full coverage, high limits + low deductible$1,592$133

Coverage level comparison for Troy, OH.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Troy

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Troy covers 45373, 45374 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Troy, OH?
Full coverage in Troy is estimated at $1,338 a year ($112 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $397 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Ohio?
Ohio requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. Ohio is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Troy?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Troy for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Troy?
An 18-year-old in Troy is estimated at $3,049 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Troy?
A DUI takes the estimate from $1,338 to about $2,529 a year in Troy, an increase of roughly 89%. Ohio drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Troy?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

PiquaVandaliaHuber HeightsSidneyTrotwoodFairbornRiversideDayton

Comparing more of Ohio? See every Ohio city we price or read the cheap car insurance guide for Troy.