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Finding the cheapest car insurance quotes in Troy Mills shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Troy Mills
The car insurance rate in Troy Mills is $692 for a six-month policy, which is $7 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in Troy Mills can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $364 for a six
month policy, West Bend Mutual offers
the cheapest
auto
insurance rates in the city.
2nd place: Grange
Grange offers auto
insurance rates at $412 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $436
for six months, making it
the third cheapest auto insurance company in Troy Mills.
Troy Mills Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Troy Mills, IA is West Bend Mutual, offering policies at just $364 for a six-month term. This is followed by Grange, which has an average six-month premium of $412.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1358 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Troy Mills drivers find the best deals.
Way's key takeaways about car insurance in Troy Mills
The auto insurance costs in Troy Mills fall around $364 for six
months.
The cheapest auto insurance company in Troy Mills is Pekin.
Teen drivers pay the highest rate in Troy Mills at $585 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Troy Mills
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Troy Mills are given below.
Pekin provides
the cheapest minimum car insurance
coverage in Troy Mills. Their Average 6 Month Premium is $100.
West Bend is the most
expensive at $124 for the same
period.
Cheapest Full Coverage Car Insurance in Troy Mills
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Troy Mills is West Bend Mutual
at $60 per month and $364
for six months.
Cheapest Full Coverage Car Insurance Quotes in Troy Mills,
IA
Get Your Car Insurance Quote in Troy Mills
Instantly!
Average Car Insurance in Troy Mills by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Troy Mills, IA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Troy Mills, Iowa, may be increasing due to several external factors.
Iowa has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Troy Mills's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Troy Mills
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Troy Mills,IA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Troy Mills at $22
per
month. At $3440 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Troy Mills.
As young drivers face the highest rates in Troy Mills, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Troy Mills,
Grange is
the cheapest car insurance provider. At $170 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Troy Mills is Grinnell Mutual, offering
rates of around $2088 for six
months.
Save up to $971/yr on car insurance rates in Troy Mills.
Car Insurance Rates with An Accident in Troy Mills
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Troy Mills, IA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Troy Mills
The cheapest car insurance companies after an at-fault accident in
Troy Mills include Hastings Mutual
and Pekin, offering $112
and $136,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1864.
Here is a list of driving violations that can increase your car
insurance rates in Troy Mills IA. For example, the car
insurance in Troy Mills
after a DUI increases to $705 for a six
month policy. While the rate increases by $100 for a six-month policy in the case of
a speeding ticket.
Troy Mills auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$830
$139
One Med/PIP claim
$841
$143
Not-at-fault accident
$864
$145
One comp claim
$888
$151
Two Med/PIP claims
$912
$151
Child safety restraint
$930
$158
Failure to show documents
$930
$154
Failure to wear a seat belt
$930
$158
Speeding 6 - 10 MPH over limit
$930
$154
Two comp claims
$930
$158
Driving without lights
$935
$155
Driving with expired registration
$958
$163
Failure to yield
$958
$159
Illegal turn
$958
$163
Failure to stop at a red light
$964
$160
Wrong way/wrong lane
$970
$165
Cell phone violation
$976
$162
Driving too slowly
$976
$166
Speeding 11 - 15 MPH over limit
$976
$162
Texting while driving
$976
$166
Speeding 16 - 20 MPH over limit
$982
$163
Speeding in school zone
$994
$169
Improper passing
$1000
$166
Following too closely
$1006
$171
At-fault accident - less than $1000
$1024
$170
Passing school bus
$1040
$177
Operating a vehicle without permission
$1094
$182
At-fault accident - $1000-$2000
$1112
$189
Speeding 21 - 25 MPH over limit
$1112
$185
At-fault accident - greater than $2000
$1118
$190
In 65 MPH zone
$1194
$199
Open container
$1258
$214
Racing
$1418
$237
Driving with a suspended license
$1446
$246
Reckless driving
$1482
$247
Refusal to submit to a chemical test
$1506
$256
DUI
$1535
$255
Leaving scene of an accident/hit and run
$1552
$264
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Troy Mills after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Troy Mills.
The cheapest car insurance premiums in
Troy Mills are
offered by Western National at $176 for a six-month policy.
However, it can be as
expensive as $2300 with companies
like Grinnell Mutual.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Troy Mills are offered by Westfield
at $130. However,
it can be as expensive as $1506
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Troy Mills after Speeding ticket
Car insurance rates in Troy Mills have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Troy Mills remained steady at $139 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Troy Mills remained steady at $29 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Troy Mills by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Troy Mills. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Troy Mills?
The car insurance in Troy Mills is $17 per month, which is lower than the national average.
What is the cheapest car insurance in Troy Mills?
The cheapest car insurance in Troy Mills
is $60 per month
for full coverage.
How much is car insurance in Troy Mills for teenagers?
Car insurance for teenagers costs $130 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Troy Mills?
The average cost of car insurance is $699 for a six-month
policy. It will cost around $116 per month to insure your
car in Troy Mills.
Is car insurance expensive in Troy Mills?
Car insurance can be expensive in Troy Mills if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Troy Mills can be
affordable.
What is the best car insurance in Troy Mills,
IA?
The best car insurance company in Troy Mills
IA is
West Bend Mutual, offering $364 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Troy Mills, IA
Car Insurance Rates by State in the USA (2025 Update)
Troy Mills Car Insurance
