Troy Auto Insurance

Last Updated on January 21, 2026

Driving in Troy, New York means juggling everyday city streets, commuter traffic in the Capital Region, and seasonal weather that can quickly change road conditions. The right auto insurance helps protect you financially whether you’re running errands nearby or commuting across town.

This page breaks down Troy, NY auto insurance in plain English—what New York requires, what coverage many drivers choose beyond the minimums, what local pricing can look like, and where to find reputable insurers and agents.

New York Auto Insurance Requirements

New York’s required auto insurance is set statewide (and limits can change over time). At minimum, your policy generally needs liability coverage, no-fault (PIP), and uninsured motorist coverage to legally drive and register a vehicle.

Required Coverage	New York State Minimum
Bodily Injury Liability	$25,000 per person / $50,000 per accident
Death Liability	$50,000 per person / $100,000 per accident
Property Damage Liability	$10,000 per accident
No-Fault (PIP)	$50,000 per person
Uninsured Motorist Bodily Injury	$25,000 per person / $50,000 per accident

Source: New York State DMV (insurance requirements): https://dmv.ny.gov/insurance/insurance-requirements

What these coverages generally do:

• Bodily Injury & Death Liability: Helps pay for injuries (or death) to others if you cause a crash. Serious accidents can exceed minimums quickly, so many drivers choose higher limits.
• Property Damage Liability: Helps pay for damage you cause to someone else’s vehicle or property. With today’s repair costs, $10,000 can be used up fast.
• No-Fault (PIP): Helps cover medical expenses and certain related costs for you and eligible passengers, regardless of fault, up to the limit.
• Uninsured Motorist: Helps protect you if you’re hit by an uninsured driver (or in certain hit-and-run situations), up to the limit.

Why many Troy drivers buy more than the minimum: Higher liability limits can better protect your savings and future earnings, and optional coverages (like collision/comprehensive) can help repair or replace your own vehicle after a crash, theft, or weather damage.

How Much Does Car Insurance Cost in Troy?

Car insurance prices in Troy depend on your driver profile and what you’re insuring (vehicle value, coverage levels, deductibles, and discounts). To give a realistic sense of costs, it helps to compare a low-end “cheapest listed” option with more typical full-coverage estimates.

Local price snapshots (As of January 2026, data accessed):

Coverage Level	Monthly	Annual	Notes
Minimum Liability (cheapest listed)	~$34/mo	~$408/yr	Example shown as $204 for 6 months (lowest listed option).
Full Coverage (cheapest listed)	~$73/mo	~$862/yr	Example shown as $431 for 6 months (lowest listed option).
Full Coverage (average quote estimate)	~$109/mo	$1,311/yr	City-level “average quote for full coverage” estimate across providers.
Full Coverage (city rate table estimate)	$173/mo	$2,081/yr	City estimate shown in a statewide comparison table for 2026.

Why your price may be higher or lower: Insurers weigh your ZIP code, claims history, credit-based insurance score (where permitted), annual mileage/commuting, vehicle repair costs, theft risk, and prior tickets/accidents. Even changing deductibles or adding a driver can move your premium noticeably.

Recommended Coverage for Drivers in Troy

If your budget allows, consider building a policy around stronger liability protection first, then add physical damage coverage that matches your vehicle’s value and how you drive in Troy’s year-round conditions.

• Increase Liability Limits: Many drivers look at limits like 100/300/100 (or higher) to better protect assets after a serious crash.
• Consider Higher Uninsured/Underinsured Protection: New York policies often allow options beyond the base uninsured motorist minimums (ask about underinsured protection too).
• Add Collision & Comprehensive (Especially for Newer Cars): Collision helps with crash damage to your car; comprehensive helps with theft, glass damage, and weather-related losses.
• Choose Deductibles You Can Actually Pay: A higher deductible can lower your monthly bill, but only if you could comfortably cover it after an accident.
• Helpful Add-Ons: Rental reimbursement (if you rely on your car), roadside assistance, and gap coverage (if you owe more than the car’s value).

Coverage	Who It Helps Most	Why It’s Worth Considering in Troy
Higher Liability Limits	Drivers with savings/income to protect	Serious injuries and lawsuits can exceed minimum limits quickly.
Collision	Newer cars, commuters	Helps repair/replace your car after at-fault or single-vehicle crashes.
Comprehensive	Most drivers, especially financed cars	Helps with theft, vandalism, glass, animals, and weather events.
Rental Reimbursement	Households with one main vehicle	Helps cover a rental while your car is being repaired after a covered claim.

Best Car Insurance Companies for Troy

The “best” insurer depends on your priorities—price, service, claims handling, eligibility (like military status), and how you prefer to buy (online vs. agent). Here are strong options commonly considered by New York drivers, with a quick guide on fit and tradeoffs.

Company	Best for	Why it’s good	Watch-outs
Progressive	Rate shoppers, online tools	Often competitive pricing with flexible coverages and quote comparisons.	Pricing can jump at renewal depending on claims trends and profile changes.
State Farm	Drivers who want an agent	Large agent network and strong support for policy servicing.	Not always the cheapest for every driver/vehicle combo.
GEICO	Simple policies, digital-first	Often strong pricing for clean drivers and easy online management.	Local office experience varies; some prefer more hands-on agent support.
Travelers	Coverage options & bundling	Good lineup of optional coverages and bundling opportunities.	May be pricier for some higher-risk profiles.
New York Central Mutual	Drivers seeking NY-based options	Regional familiarity and often competitive pricing in parts of the state.	Availability and agent access can vary by ZIP code.
Erie	Service-focused shoppers	Often rated well for customer service with solid coverage features.	Usually purchased through agents; not available everywhere.
USAA	Military families (eligible members)	Frequently strong value for eligible drivers with good service reputation.	Eligibility restrictions apply.
Allstate	Drivers who want guided coverage	Agent support with a broad menu of coverage add-ons.	Rates can be higher in some ZIP codes; shop and compare.
Nationwide	Bundlers & multi-policy households	Good for combining auto with home/renters and customizing options.	Discounts vary—ask what you qualify for in Troy specifically.
Amica	Customer experience priorities	Often praised for customer service and claims experience.	Not always the lowest premium upfront.

Best Auto Insurance Agents in Troy

If you want help comparing carriers, adjusting deductibles, or choosing add-ons (like rental reimbursement or rideshare coverage), a local Troy-area agent can be valuable—especially when you want someone to call after a claim or life change.

Agency	Address	Phone	Website	Why they’re a good fit
Mick Butler – State Farm	961 Hoosick Rd., Troy, NY 12180	518-237-6425	mickbutlerinsurance.com	Helpful for drivers who prefer an agent relationship and ongoing policy service.
John Loughlin – State Farm	160 Oakwood Avenue, Troy, NY 12180-1446	518-266-9965	johnloughlininsurance.com	Solid option for households needing help coordinating auto plus other policies.
Kelly McGrath – State Farm	233 N Greenbush Rd., Troy, NY 12180	518-272-7000	mcgrathagency.com	Good for drivers who want a local office for questions, changes, and coverage reviews.
Wm. J. Fagan & Sons Inc. Insurance (Independent)	15 First Street, Troy, NY 12181	518-272-3471	faganandsons.com	Independent agency—useful if you want to compare multiple carriers with one point of contact.
Culnan Insurance Agency (Independent)	6 W Glen Ave, Troy, NY 12180	518-326-1191	culnanagency.com	Good for shoppers who want guidance and help comparing coverage options beyond minimums.
Marshall & Sterling (Independent)	14 2nd St, Troy, NY 12180-4081	518-272-6120	TrustedChoice profile	Useful for drivers who want an independent agency approach and assistance shopping options.

FAQs on Auto Insurance in Troy, NY