While Troy is only the 11th-largest city in Michigan, it is by far the safest in the state. In fact, Troy ranks 19 on the list of safest cities in the nation! Low crime rates help keep auto insurance rates low (as well as homeowners and renters insurance), so if you do some comparison shopping you might be able to find a better deal. Especially if you’ve been with the same company for more than a year. We recommend looking over the options for cheap insurance Troy can offer at least twice a year to ensure you are always paying the lowest available rate for your coverage.