Average car insurance cost in Derby

The average car insurance rate in Derby for full coverage is $1,929 per year or $161 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Derby is $797 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$964
Average annual premium$1,929
State minimum premium$797

Cheapest car insurance companies in Derby

GEICO offers the cheapest rates on average at $1,306 per year. Kemper is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Derby.

CompanyAverage 6 month rateAverage annual rate
GEICO$653$1,306
Kemper$807$1,615
Progressive$830$1,660
Nationwide$867$1,733
State Farm$944$1,888
Farmers$1,185$2,371
Allstate$1,374$2,748
Amica$1,656$3,312
USAA$363$726

Cheapest car insurance cost in Derby by age group

Car insurance rates in Derby vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Derby by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: GEICO
  • Cheapest for young adults: GEICO
  • Cheapest for adults: GEICO
  • Cheapest for seniors: GEICO

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. GEICO offers the cheapest car insurance for teens at $5,200 per year.

GEICO offers the most affordable auto insurance for young adults at $2,354 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $1,273 per year for adult drivers in Derby.

GEICO offers the least expensive car insurance for senior drivers in Derby, at $1,559 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
GEICO$5,200$2,354$1,273$1,559
Kemper$7,258$3,132$1,621$1,725
Progressive$7,686$2,623$1,643$1,748
Nationwide$6,840$3,006$1,699$1,783
State Farm$5,769$3,232$1,906$1,870
Farmers$10,534$4,870$2,429$2,299
Allstate$11,448$4,448$2,862$2,926
Amica$10,642$5,990$3,281$3,457
The Hanover$12,618NANANA
USAA$2,951$1,230$745$842

Cheapest car insurance companies in Derby by driver profile

Car insurance rates in Derby vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Derby by driver profile.

Cheapest for a driver with poor credit: GEICO

GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Derby pay about $1,861 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Derby.

CompanyAverage 6 month premiumAverage annual premium
GEICO$931$1,861
Kemper$1,195$2,390
Progressive$1,222$2,443
Nationwide$1,296$2,592
Allstate$2,321$4,641
Farmers$2,683$5,365
State Farm$3,795$7,589
Amica$5,236$10,471
USAA$623$1,245

Cheapest auto insurance after an at-fault accident: GEICO

In Derby, GEICO offers the cheapest car insurance for drivers with at-fault accident at $1,836 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Derby.

CompanyAverage 6 month premiumAverage annual premium
GEICO$918$1,836
State Farm$1,014$2,027
Progressive$1,295$2,589
Kemper$1,353$2,705
Nationwide$1,468$2,935
Amica$2,394$4,787
Allstate$2,487$4,974
Farmers$2,677$5,354
USAA$544$1,088

Cheapest auto insurance after a DUI: Progressive

Progressive offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $1,917 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Derby.

CompanyAverage 6 month premiumAverage annual premium
Progressive$959$1,917
State Farm$1,014$2,027
Kemper$1,283$2,565
Nationwide$1,844$3,687
Allstate$1,982$3,963
GEICO$2,194$4,388
Farmers$2,999$5,997
Amica$6,463$12,925
USAA$740$1,479

Cheapest for drivers with a speeding ticket: GEICO

GEICO offers the cheapest car insurance at $1,483 in Derby for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
GEICO$742$1,483
State Farm$1,014$2,027
Progressive$1,040$2,079
Kemper$1,263$2,525
Farmers$1,588$3,175
Nationwide$1,844$3,687
Amica$2,877$5,754
USAA$418$835

Car insurance discounts for Derby drivers

The biggest car insurance discount available in Derby is for the years insured category at 39.05%, offered by Travelers.

Car insurance is essential for drivers in Derby, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Derby drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAmica Mutual$2,6171.00%$26
Air BagsGEICO$1,2970.85%$11
Air BagsNationwide$1,4621.09%$16
Anti-Theft DeviceAmica Mutual$2,6170.71%$19
Anti-Theft DeviceGEICO$1,2970.54%$7
Anti-Theft DeviceKemper Insurance$1,6230.18%$3
Anti-Theft DeviceThe Hanover$5,2651.92%$101
Daily CommuteAmica Mutual$2,61711.85%$310
Daily CommuteGEICO$1,2976.48%$84
Daily CommuteTravelers$1,4601.10%$16
Days Advanced PurchaseAllstate$3,61418.51%$669
Days Advanced PurchaseAmica Mutual$2,6170.99%$26
Days Advanced PurchaseKemper Insurance$1,6234.01%$65
Days Advanced PurchaseNationwide$1,4627.11%$104
Days Advanced PurchaseProgressive$1,6642.49%$42
Days Advanced PurchaseThe Hanover$5,2653.91%$206
Days Advanced PurchaseTravelers$1,4609.63%$141
Days Per Week DrivenGEICO$1,2975.76%$75
Days Per Week DrivenTravelers$1,4601.10%$16
EducationGEICO$1,2979.71%$126
EducationProgressive$1,6640.84%$14
Electronic Funds TransferAllstate$3,6144.62%$167
Electronic Funds TransferAmica Mutual$2,6171.91%$50
Electronic Funds TransferKemper Insurance$1,6234.44%$72
Electronic SignatureProgressive$1,6647.81%$130
HomeownerAllstate$3,61415.14%$547
HomeownerAmica Mutual$2,6172.83%$74
HomeownerGEICO$1,2979.71%$126
HomeownerKemper Insurance$1,6232.16%$35
HomeownerProgressive$1,6645.53%$92
HomeownerThe Hanover$5,2655.68%$299
Lower Annual MileageState Farm$1,6679.60%$160
Loyalty - Years Renewal With CompanyAmica Mutual$2,61712.75%$334
Loyalty - Years Renewal With CompanyNationwide$1,4624.99%$73
Loyalty - Years Renewal With CompanyProgressive$1,6640.96%$16
Loyalty - Years Renewal With CompanyState Farm$1,66723.16%$386
Marital StatusAllstate$3,6140.94%$34
Marital StatusKemper Insurance$1,6235.05%$82
Marital StatusNationwide$1,4626.84%$100
Marital StatusProgressive$1,6649.50%$158
Marital StatusThe Hanover$5,2651.73%$91
Marital StatusTravelers$1,4601.58%$23
Multi PolicyAllstate$3,61412.29%$444
Multi PolicyAmica Mutual$2,61713.79%$361
Multi PolicyGEICO$1,29711.83%$153
Multi PolicyKemper Insurance$1,6237.18%$117
Multi PolicyNationwide$1,4625.93%$87
Multi PolicyProgressive$1,6649.71%$162
Multi PolicyState Farm$1,66710.46%$174
Multi PolicyThe Hanover$5,26514.91%$785
Multi PolicyTravelers$1,4605.72%$84
Paperless/Electornic DocumentsAllstate$3,6147.39%$267
Paperless/Electornic DocumentsKemper Insurance$1,6230.18%$3
Paperless/Electornic DocumentsNationwide$1,4623.56%$52
Paperless/Electornic DocumentsProgressive$1,6640.84%$14
Payment TypeAllstate$3,6149.57%$346
Payment TypeAmica Mutual$2,6179.44%$247
Payment TypeKemper Insurance$1,6234.44%$72
Payment TypeThe Hanover$5,2656.82%$359
Payment TypeTravelers$1,4604.59%$67
Primary UseAllstate$3,6148.36%$302
Primary UseAmica Mutual$2,61717.75%$465
Primary UseGEICO$1,29712.92%$168
Primary UseKemper Insurance$1,6236.72%$109
Primary UseNationwide$1,4627.11%$104
Primary UseState Farm$1,66711.82%$197
Primary UseTravelers$1,4606.51%$95
ProfessionGEICO$1,2979.71%$126
ProfessionProgressive$1,6646.85%$114
Purchase StatusAmica Mutual$2,61712.61%$330
Safety DevicesAllstate$3,6140.83%$30
Safety DevicesGEICO$1,2971.62%$21
Safety DevicesProgressive$1,6643.61%$60
TelematicsAllstate$3,6149.24%$334
TelematicsGEICO$1,29710.02%$130
TelematicsNationwide$1,46210.12%$148
TelematicsProgressive$1,6649.80%$163
TelematicsState Farm$1,66714.22%$237
Vehicle OwnershipAmica Mutual$2,61724.65%$645
Years InsuredAllstate$5,66828.67%$1,625
Years InsuredAmica Mutual$8,2248.30%$682
Years InsuredGEICO$2,02621.96%$445
Years InsuredKemper Insurance$1,9497.41%$144
Years InsuredNationwide$2,93037.00%$1,084
Years InsuredProgressive$2,61618.54%$485
Years InsuredTravelers$2,53039.05%$988
Years LicensedAmica Mutual$11,26122.55%$2,539
Years LicensedGEICO$2,53515.03%$381
Years LicensedKemper Insurance$2,83231.18%$883
Years LicensedProgressive$3,32317.88%$594
Years LicensedState Farm$2,06116.73%$345
Years LicensedTravelers$3,52625.07%$884

How to get cheap car insurance in Derby in 2025

Find affordable car insurance in Derby by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Derby.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.