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Troy Car Insurance Resources

Troy, MT Car Insurance

Cars Insured in Troy

^ There are an estimated 768 vehicles currently insured in Troy. [1]

Car Insurance Rates in Troy

^ From 2006 to 2010, Montana cities had the 37th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Troy

^ There are an estimated 81 uninsured motorists driving in Troy. [3]

MT Car Insurance

Troy Car Insurance

Car Insurance Liability Requirements in Troy

  • Minimum Liability Limits in Troy: 25/50/10 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Troy

Required Car Insurance Coverage in Troy
  • Troy Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Troy

  • Insurer Verification of Auto Insurance in Troy [4]
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Troy Car Insurance Facts, Estimates & Related Laws

Troy Car Insurance Stats

Troy Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Troy
    • Based on historical and current data, 768 cars are currently insured in Troy. [5]
    • Montana cities collectively ranked 43rd in the nation in auto insurance policies in 2011 with a total of 809,958. [1]
  • Uninsured Motorist Rate in Troy
    • Based on historical and current data, Troy has an estimated 81 uninsured drivers. [6]
    • Montana cities collectively had the 30th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Troy
    • Montana cities collectively had the 36th highest auto insurance rates in the nation in 2010. [2]

Troy Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? No
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • n/a. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


Troy Automotive Laws

  • Minimum Driving Age in Troy [9]
    • Troy, MT minimum driving age: 14 years, 6 months.
  • Driver's License Renewal Cycle in Troy
    • Renewal cycle: 8 years, 4 years if by mail, or on 75th birthday, whichever occurs first7 [7]
  • Motorcycle Helmet Laws in Troy
    • Motorcycle helmets required for 17 and younger. [7]
  • Safety Belt Laws in Troy
    • Safety belt laws have been in place since 1987 and apply to drivers/passengers 6+ years in all seats. [7]
    • Child restraint law in place for 5 years and and younger and less than 60 pounds. [7]

Montana Car & Driver Facts

Montana Auto Registrations

Montana Car & Driver Facts
  • Auto Registrations in MT [8]
    • Registered Cars: 435,575
    • Registered Trucks: 731,783
    • Registered Motorcycles: 47,011
    • Total Registrations: 1,219,158
    • Rank: Montana ranked 41st in the United States in total auto registrations in 2011.

Montana Automotive Facts

  • Speed Limits in MT
    • Rural interstates: 75 mph (Trucks: 65 mph) [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 70 mph (Night: 65 mph) [7]
  • Montana Motor Fuel Consumption
    • Montana cities collectively ranked 42nd in the nation in total motor fuel consumption in 2011. [10]

Montana Licensed Drivers

  • Licensed Drivers in MT [11]
    • Female Drivers: 370,437
    • Male Drivers: 382,046
    • Total Drivers: 752,483
    • Rank: 43rd highest in the U.S.

Additional information about Troy, MT

About Troy

Troy (Montana) is a city with a population of 938 [12] that is located in Lincoln County.

MT Car Insurance

More about Troy auto insurance

For more information about Troy car insurance, or for additional resources regarding Montana car insurance overall, visit the Montana Department of Insurance.

Did you know?

Under primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

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