Expertise.com

2024

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Best Local Car Insurance Agencies in Troy

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Troy Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

57Reviewed

39Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

888 West Big Beaver Road, Troy, MI 48084
WebsiteLicense: 10073811

Expertise.com Rating

Review Sources

Yelp
5.0 (6)

Why choose this provider?

E&Y Insurance Agency is an independent insurance agency located in Troy, Michigan. Its team of dedicated insurance agents offers auto, car, and truck insurance that protects vehicles against all types of risk and liabilities while on the road, with its comprehensive and collision coverage. The agency also offers homeowners, life, and health insurance as well as workers compensation and trucking and bobtail policies from well-known partners and is committed to providing the best coverage that suits client needs.

  • Multiple Carriers

22440 Hall Road, Clinton Township, MI 48036
WebsiteLicense: 960576

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Google
5.0 (1)

Why choose this provider?

Morris Insurance Group is an independent agency that has been providing car insurance solutions for clients in Troy and the surrounding areas for more than six decades. The company represents a diverse group of insurance carriers addressing the unique risks and exposures of every customer. Its team of insurance agents values excellent customer service, expertise, and integrity. Morris Insurance Group also offers various personal, business, and life and health insurance policies.

  • Bundling Option
  • Motorcyle & ATV
  • Boats

3250 W Big Beaver Ste 308, Troy, MI 48084
WebsiteLicense: 0080254

Expertise.com Rating

Why choose this provider?

Signature Insurance provides car insurance to clients in Troy. There are six levels that customers can choose from. It partners with some of Michigan's top insurance companies, including AAA, Progressive, Westfield, and Nationwide, to provide clients with the coverages that meet their specific needs. It also offers homeowner's insurance, covering additional living expenses protection, dwelling coverage, and liability protection. Signature Insurance has been an independent agency providing services since 2006. It also has an office in Warren.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

23333 Gratiot Avenue, Eastpointe, MI 48021
WebsiteLicense: 0270358

Expertise.com Rating

Why choose this provider?

K Mathes Insurance is a car insurance agency that helps teachers and school employees in the Troy area understand the auto insurance coverage options that are available to them. Kenyetta Mathes works under the Meemic Insurance Company, which has been offering high-quality and affordable insurance plans for more than six decades. In 2019, Mathes has been named the Meemic Champion. She also deals with insurance plans for recreational vehicles and motorcycles.

1111 West Long Lake Road, Troy, MI 48098
WebsiteLicense: 8650419

Expertise.com Rating

Review Sources

Google
4.5 (15)
Facebook
4.2 (5)

Why choose this provider?

JPS Insurance Agency is an independent agency servicing the Troy community. It partners with multiple car insurance companies to provide the most ideal personal and commercial car insurance coverage options for clients. Insurance packages are also available for boats and motorcycles. The insurance plans are designed to protect clients against financial losses from potential damages or injuries caused by a car accident. JPS Insurance Agency assists clients in choosing specific coverages depending on their needs.

  • Bundling Option

3155 W Big Beaver Rd Suite 125, Troy, MI 48084
WebsiteLicense: 960329

Expertise.com Rating

Review Sources

Google
3.7 (3)
Facebook
5.0 (1)

Why choose this provider?

Mason-McBride Inc. has been providing financial risk management and car insurance services since 1916. The independent insurance agency services Troy and the surrounding communities. Its group of agents can help customers with standard auto insurance, as well as insurance for collector cars. Its president, Mike McBride, has been providing strategic counsel and advice to clients for more than 35 years. The personal and commercial insurance lines of the company are licensed in 27 states.

  • Motorcyle & ATV

33584 Harper Avenue, Clinton Township, MI 48035
WebsiteLicense: 958236

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Established in 1919 and formerly known as Sweet & Associates International, Ltd, Sweet Insurance Agency is a family-owned insurance agency that serves residential and commercial clients in Troy, Bingham Farms, and nearby areas. It offers a comprehensive suite of insurance products and services, such as personal and commercial auto insurance. These car policies focus on property, medical, and liability coverage as well as insurance protection for recreational vehicles. The company is affiliated with reliable and reputable insurance companies as their main service provider.

  • RV & Motorhome
  • Golf Cart & Scooter
  • Motorcyle & ATV

2800 Livernois Road, Troy, MI 48083
WebsiteLicense: 1005349

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Goodman Venegas Insurance Agency, Inc., is a full-service insurance management company that caters to personal and business insurance needs in Troy and nearby areas. The independent insurance agency assists individuals and commercial customers in securing their cars with an auto insurance policy. The agency partners with different carriers that can provide vehicle, medical, liability, and damage coverage from collisions, theft, and accidents. Its agents work with customers throughout the claims filing process, from reporting to claims settlement. The company is a member of the Michigan Hispanic Chamber of Commerce.

  • Boats

2855 Coolidge Highway, Suite 204, Troy, MI 48084
WebsiteLicense: 959676

Expertise.com Rating

Review Sources

Google
4.9 (70)

Why choose this provider?

The Members Home and Auto Insurance Network is an independent insurance agency located in Troy that provides expert insurance advice and products to residents in the metro. It crafts auto insurance policies that protect clients from liabilities and personal injuries, as well as vehicles from various physical damages and losses. The agency also insures motorcycles, RVs, and RV homes. The agency is committed to providing tailored and creative insurance solutions for its customers' ever-changing needs.

  • Multiple Carriers
  • RV & Motorhome

273 Cass Avenue, Mount Clemens, MI 48043
WebsiteLicense: 0005581

Expertise.com Rating

Why choose this provider?

Macomb-Gerlach Agency, Inc., is an insurance provider serving Troy and other areas. The firm has more than 150 years in the industry and provides auto insurance with liability coverage that includes legal, property, and physical liabilities. It also has collision and comprehensive coverage, roadside assistance, additional expense coverage, and gap coverage. The company is partnered with several providers, such as Accident Fund, Auto-Owners Insurance, Bristol West, and Fremont Insurance. Additionally, Macomb-Gerlach Agency offers business insurance products.

  • Multiple Carriers

2032 East Square Lake Road, Troy, MI 48085
WebsiteLicense: 958274

Expertise.com Rating

Why choose this provider?

Troy-Metro Agency is a local and independent insurance agency servicing its clients in Troy and the nearby areas. The agency is focused on providing its clients with car insurance plans that are tailored according to their needs. Its car insurance protects the client against legal and medical expenses caused by events such as accidents, theft, and fire. Policies include liability, which covers the damage a client inflicted onto others and no-fault, which covers financial expenses caused by injuries from an accident.

  • Multiple Carriers

5005 East 14 Mile Road, Sterling Heights, MI 48310
WebsiteLicense: 0237981

Expertise.com Rating

Review Sources

Google
4.4 (16)
Facebook
5.0 (15)

Why choose this provider?

Colleen Kerner is a State Farm insurance agent who caters to the auto insurance needs of residents in Troy and nearby communities. Her team helps people who need to secure their cars through policies that can include collision, comprehensive, rental, and ridesharing coverage. She has been in the industry since 2017 and also offers homeowners', life and health, and business insurance. Kerner's office may be reached 24 hours a day.

  • Multiple Carriers

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is the required car insurance coverage for drivers in Troy?

    According to the Michigan Department of Insurance and Financial Services, drivers in Troy are required to carry minimum auto insurance coverage of up to $100,000 per accident if multiple people are killed or injured, $50,000 per person injured or killed in an accident, and up to $10,000 for property damage in another state.

  • What factors affect car insurance costs in Troy?

    Car insurance rates in Troy are determined by the driver's age and driving history. Policyholders with a history of traffic violations or accidents may face higher car insurance premiums. Most insurance companies rely on insurance premiums paid by drivers' households. When determining the likelihood of loss, all members of the family are taken into account.

  • Is gap insurance coverage required in Troy?

    It all depends on the situation. Gap insurance coverage may be required in Troy if drivers purchase their vehicle through financing. Most lenders require gap insurance, in addition to comprehensive and insurance coverage. Gap insurance protects policyholders from financial losses in the event of total loss. It may cover replacement costs as a result of theft.

  • How much is car insurance in Troy?

    Drivers in Troy can pay up to $112 per month for minimum car insurance coverage and up to $148 per month for full coverage. They pay 11% less than the average monthly insurance cost in Michigan, which is $167. If policyholders add rental reimbursement, medical payment, and personal injury protection coverage, their rates may rise.

  • What information should you provide when getting a car insurance quote in Troy?

    When obtaining a car insurance quote in Troy, you should provide your name, driver's license number, and vehicle identification number. You must also provide the year, make, and model of the vehicle, as well as inform carriers if your vehicle has safety features such as passive restraint systems or anti-lock brakes.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.