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Insurance Agencies · Troy, MI/Updated June 13, 2026

The 10 Best Insurance Agents in Troy, MI

Navigating insurance can be tricky. Our ranking helps you avoid common pitfalls and find the best agents in Troy for your needs.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceFSA Insurance Agency
95Score
Latest update · June 13, 2026: Initial ranking published. 10 Troy-metro insurance agencies businesses evaluated, top 10 ranked by Vetted Score.

Insurance is a fundamental part of life in Troy, MI, whether you’re protecting your home, car, or business. Choosing the right insurance agent can save you money and provide peace of mind, but many people make the mistake of picking an agent based solely on price or flashy advertising.

We evaluated 10 insurance agencies in Troy, focusing on customer reviews, ratings, and overall service quality. With a total of 1,584 reviews, our rankings highlight the most trustworthy agents, ensuring you have the information you need to make an informed decision.

10insurance agents evaluated in Troy
4.53average rating across the field
1.6Kcustomer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does insurance agencies cost in Troy? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
95Score

FSA Insurance Agency

★★★★★4.9(704 reviews)

FSA Insurance Agency holds an impressive 4.9 rating from 704 reviews.

Read full review
Best Value
94Score

JPS Insurance Agency

★★★★★4.9(288 reviews)

With a 4.9 rating from 288 reviews, JPS Insurance Agency is praised for its competitive pricing and knowledgeable staff.

Read full review
Most Reviewed
93Score

AAA Insurance - Howard Beatty IV Insurance Agency has a solid rating of 4.9 based on 256 reviews.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
FSA Insurance Agency
FSA Insurance Agency
Editor's Choice
95Score
4.9★★★★★
704Personalized insurance solutions
2
94Score
4.9★★★★★
288Affordable insurance options
3
93Score
4.9★★★★★
256Dependable auto insurance
4
89Score
4.8★★★★★
109Home insurance solutions
5
84Score
4.9★★★★★
35Health insurance coverage
6
82Score
4.6★★★★★
157Bundled insurance policies
7
80Score
5.0★★★★★
18Tailored insurance solutions
8
78Score
5.0★★★★★
3New insurance options
9
76Score
3.0★★★★★
2Emerging insurance options
10
75Score
3.3★★★★★
12Basic insurance needs
Methodology

How we evaluated all 10 insurance agents.

To create this list, we assessed each insurance agency based on their customer ratings and review counts. We prioritize transparency and trust, so no agency pays for placement in our rankings. Our data is refreshed monthly, keeping our recommendations current and relevant.

This evaluation process allows us to showcase the best options for Troy residents. With most agencies having fewer than 50 reviews, we understand that trust is still forming in this market, making our insights all the more valuable.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

FSA Insurance Agency

★★★★★4.9(704 reviews)
95Score

FSA Insurance Agency holds an impressive 4.9 rating from 704 reviews. Customers frequently highlight their attentive service and expertise in various insurance products. They excel in personalized coverage options. However, with a high volume of clients, response times may occasionally lag during peak periods. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is personalized insurance solutions. It serves Troy, MI and surrounding areas, with $100 to $300 per month pricing, and the honest trade-offs are potential delays during busy times and limited office hours.

Pros

  • High customer satisfaction
  • Wide range of insurance products
  • Personalized service

Cons

  • Potential delays during busy times
  • Limited office hours
Best forPersonalized insurance solutions
Service areaTroy, MI and surrounding areas
Typical pricing$100 to $300 per month
2
Best Value

JPS Insurance Agency

★★★★★4.9(288 reviews)
94Score

With a 4.9 rating from 288 reviews, JPS Insurance Agency is praised for its competitive pricing and knowledgeable staff. They are particularly well-regarded for their auto and home insurance packages. Some clients note that their online presence could be more robust to streamline service requests. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is affordable insurance options. It serves Troy, MI, with $80 to $250 per month pricing, and the honest trade-offs are limited online service options and smaller agency size.

Pros

  • Competitive pricing
  • Knowledgeable agents
  • Strong customer support

Cons

  • Limited online service options
  • Smaller agency size
Best forAffordable insurance options
Service areaTroy, MI
Typical pricing$80 to $250 per month
3
Most Reviewed

AAA Insurance - Howard Beatty IV Insurance Agency

★★★★★4.9(256 reviews)
93Score

AAA Insurance - Howard Beatty IV Insurance Agency has a solid rating of 4.9 based on 256 reviews. Clients appreciate the reliability and range of services offered, particularly for auto insurance. However, some reviewers have mentioned longer wait times during busy seasons, which could affect your experience. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is dependable auto insurance. It serves Troy, MI, with $90 to $280 per month pricing, and the honest trade-offs are longer wait times and higher premiums for some policies.

Pros

  • Reliable service
  • Diverse insurance options
  • Strong reputation

Cons

  • Longer wait times
  • Higher premiums for some policies
Best forDependable auto insurance
Service areaTroy, MI
Typical pricing$90 to $280 per month
4

Troy-Metro Agency

★★★★★4.8(109 reviews)
89Score

Troy-Metro Agency has a 4.8 rating from 109 reviews. Customers appreciate the friendly agents and the local knowledge they bring. They are best known for their home insurance products. However, some clients have reported inconsistencies in communication that could be improved. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is home insurance solutions. It serves Troy, MI, with $100 to $350 per month pricing, and the honest trade-offs are inconsistent communication and limited online resources.

Pros

  • Friendly staff
  • Local expertise
  • Good home insurance options

Cons

  • Inconsistent communication
  • Limited online resources
Best forHome insurance solutions
Service areaTroy, MI
Typical pricing$100 to $350 per month
5

Lifeguard Insurance Services

★★★★★4.9(35 reviews)
84Score

Lifeguard Insurance Services has a 4.9 rating based on 35 reviews. Clients praise their personalized attention and focus on health insurance products. While the agency is growing, the lower review count may make some potential clients hesitant to engage their services. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is health insurance coverage. It serves Troy, MI, with $120 to $400 per month pricing, and the honest trade-offs are thin review base and limited product range.

Pros

  • Personalized attention
  • Focus on health insurance
  • Emerging agency

Cons

  • Thin review base
  • Limited product range
Best forHealth insurance coverage
Service areaTroy, MI
Typical pricing$120 to $400 per month
6

AAA Insurance - Daniel's Agency

★★★★★4.6(157 reviews)
82Score

AAA Insurance - Daniel's Agency has a 4.6 rating from 157 reviews. Customers appreciate the agency's comprehensive approach to insurance. They’re well-suited for those needing multiple policies. However, some clients have noted that pricing can be on the higher side compared to competitors. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is bundled insurance policies. It serves Troy, MI, with $100 to $350 per month pricing, and the honest trade-offs are higher pricing and limited local presence.

Pros

  • Comprehensive insurance options
  • Good customer support
  • Established brand

Cons

  • Higher pricing
  • Limited local presence
Best forBundled insurance policies
Service areaTroy, MI
Typical pricing$100 to $350 per month
7

Yokhana Insurance Agency

★★★★★5.0(18 reviews)
80Score

Yokhana Insurance Agency boasts a perfect 5 rating but only has 18 reviews. Clients commend their quick service and tailored solutions. This agency is promising but unproven due to the thin review base, making it a riskier choice for some. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is tailored insurance solutions. It serves Troy, MI, with $90 to $300 per month pricing, and the honest trade-offs are thin review base and limited visibility.

Pros

  • Quick service
  • Tailored solutions
  • High rating

Cons

  • Thin review base
  • Limited visibility
Best forTailored insurance solutions
Service areaTroy, MI
Typical pricing$90 to $300 per month
8

The Secure Agency (Troy Branch)

★★★★★5.0(3 reviews)
78Score

The Secure Agency (Troy Branch) has a 5 rating based on just 3 reviews. While customers appreciate the service, the very low review count makes it difficult to gauge overall reliability. This agency could be a good choice for those seeking a new option. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is new insurance options. It serves Troy, MI, with $100 to $300 per month pricing, and the honest trade-offs are very low review base and uncertain service consistency.

Pros

  • Perfect rating
  • Positive initial feedback

Cons

  • Very low review base
  • Uncertain service consistency
Best forNew insurance options
Service areaTroy, MI
Typical pricing$100 to $300 per month
9

Great Lakes Insurance Agency

★★★★★3.0(2 reviews)
76Score

Great Lakes Insurance Agency has a rating of 3 based on just 2 reviews. While the agency shows potential, the low rating and review count indicate a lack of established trust. It may not be the best choice for those seeking reliable service. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is emerging insurance options. It serves Troy, MI, with $80 to $250 per month pricing, and the honest trade-offs are low rating and thin review base.

Pros

  • Emerging agency
  • Potential for growth

Cons

  • Low rating
  • Thin review base
Best forEmerging insurance options
Service areaTroy, MI
Typical pricing$80 to $250 per month
10

Auto-Owners Insurance Troy Claims

★★★★★3.3(12 reviews)
75Score

Auto-Owners Insurance Troy Claims has a 3.3 rating from 12 reviews. While some customers have had positive experiences, others report dissatisfaction with claims processing and customer service. This inconsistency makes it a less reliable choice for insurance needs. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is basic insurance needs. It serves Troy, MI, with $100 to $300 per month pricing, and the honest trade-offs are low rating and inconsistent service.

Pros

  • Established brand
  • Some positive feedback

Cons

  • Low rating
  • Inconsistent service
Best forBasic insurance needs
Service areaTroy, MI
Typical pricing$100 to $300 per month
Before you book

How to choose an insurance agent in Troy

Selecting the right insurance agent is crucial for securing the best coverage at the right price. Here are key questions to ask potential providers.

What types of insurance do you specialize in?

Ensure the agent has experience in the specific type of insurance you need, whether it's auto, home, or business.

Can you explain the coverage options clearly?

A good agent should be able to break down complex policies into understandable terms, helping you make informed choices.

How do you handle claims?

Understanding the claims process is essential. Ask about their track record and how they support clients during claims.

What it costs

What insurance costs in Troy

The cost of insurance in Troy can vary significantly based on coverage type and provider. Here’s a general breakdown of pricing tiers.

Basic Auto Insurance$50 to $100 per month, depending on coverage limits and driving history.
Homeowners Insurance$700 to $1,200 annually, influenced by property value and location.
Business Insurance$500 to $2,500 annually, based on business size and industry risks.
Life Insurance$20 to $100 per month, varying by age, health, and policy type.

Frequently asked questions

How much does insurance typically cost in Troy?

Insurance costs in Troy can vary widely depending on the type of coverage and provider. For example, basic auto insurance can range from $800 to $1,500 annually.

What should I consider when choosing an insurance agent in Troy?

Consider factors like the agent's experience, customer reviews, and the types of insurance they specialize in. With most agencies in Troy having thin review bases, it’s wise to choose one with a strong reputation and substantial feedback.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Troy residents: <strong>FSA Insurance Agency</strong>

Choose FSA Insurance Agency for its established reputation with 704 reviews and a stellar 4.9 rating. If you prefer a smaller agency with a similar rating, JPS Insurance Agency is a solid alternative, especially for personalized service with 288 reviews. For those looking for competitive rates and coverage options, AAA Insurance - Howard Beatty IV Insurance Agency is a great choice, particularly if you value the AAA brand and its benefits.