If you're looking for the best and cheapest car insurance in Derby, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Derby and prepared this guide for you.
The average auto insurance cost in Derby for full coverage is $1,468 for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.
The following guide will help you find the best car insurance companies in Derby. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.
Cheapest car insurance Companies in Derby
According to a study by Insurance.com, the cheapest car insurance companies in Derby for 2022 are GEICO General and USAA Casualty .
GEICO General is the cheapest option for most Derby drivers, with an average annual rate of $915.
Car insurance cost may vary in Derby based on your location, driving record, coverage level and the insurance company you choose. To get the best deal make sure you compare rates from multiple carriers.
The following companies are known to offer the cheapest auto insurance rates in Derby
| Companies | Average Annual Rates |
|---|---|
| GEICO General | $915 |
| USAA Casualty | $1,058 |
| Kemper Independence | $1,157 |
| Progressive Direct | $1,380 |
| State Farm Mutl Automobile Ins | $1,464 |
| Nationwide of Am | $1,538 |
| Metropolitan Group P&C | $1,784 |
| Allstate F&C | $2,444 |
Cheapest car insurance cost in Derby by Age Group
The cheapest auto insurance company in Derby for teen drivers is Geico Gen Ins Co. For full coverage, its average annual rate for Derby drivers is $3,580. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.
Geico Gen Ins Co is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Derby at about $1,543 per year.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Derby is the Geico Gen Ins Co. Its average rate for a full coverage car insurance policy is $943 per year.
If you are a senior driver in Derby and looking for a cheap car insurance company, then consider buying insurance from the Geico Gen Ins Co. It is the cheapest auto insurance company for senior drivers with an average premium of $1,073 per year.
| Companies | Adults | Seniors | Teens | Young Adults |
|---|---|---|---|---|
| Geico Gen | $943 | $1,073 | $3,580 | $1,543 |
| State Farm Mut Auto | $1,596 | $1,541 | $4,719 | $2,638 |
| Nationwide Of Amer | $1,795 | $1,722 | $7,992 | $3,296 |
| Safeco Of IL | $2,213 | $2,069 | $12,409 | $3,656 |
| Progressive Cas | $2,257 | $1,991 | $12,622 | $4,127 |
| Allstate Fire & Cas | $3,580 | $3,838 | $12,798 | $5,146 |
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.
To find the cheapest car insurance company in Derby, it's important to compare rates from multiple providers. This way, you can find the best deal that meets your needs and budget
Here are some of the cheapest car insurance companies in Derby based on driver profile.
- Cheapest for a driver with Poor Credit: Geico
- Cheapest for a driver with a speeding ticket: Geico
- Cheapest for accident: Geico
- Cheapest for DUI: State Farm
Cheapest for a driver with Poor Credit: Geico
The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Derby drivers at about $2,136 per year.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.
| Companies | Average Annual Rates |
|---|---|
| Geico | $2,136 |
| Kemper Independence | $2,166 |
| Progressive | $2,785 |
| USAA | $2,958 |
| Nationwide | $3,392 |
| State Farm | $3,913 |
| Allstate | $5,126 |
| Metropolitan | $6,824 |
Cheapest for drivers with a speeding ticket: Geico
Geico offers the cheapest auto insurance rates for drivers with a speeding ticket in Derby. It offers full coverage car insurance for drivers age 30 at about $1,685 per year.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. To find the best deal, it's important to compare rates from multiple providers. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Companies | Average Annual Rates |
|---|---|
| Geico | $1,685 |
| USAA | $1,943 |
| State Farm | $2,064 |
| Kemper Independence | $2,282 |
| Progressive | $2,290 |
| Nationwide | $2,831 |
| Allstate | $3,144 |
| Metropolitan | $3,925 |
Cheapest auto insurance after an at-fault accident: Geico
Geico is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault bodily injury accident in Derby is $1,899. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Companies | Average Annual Rates |
|---|---|
| Geico | $1,899 |
| State Farm | $2,064 |
| Kemper Independence | $2,379 |
| USAA | $2,414 |
| Progressive | $3,012 |
| Nationwide | $3,248 |
| Allstate | $5,228 |
| Metropolitan | $6,908 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the carrier that offers cheap auto insurance rates in Derby for drivers after a DUI. Its average annual rate for full coverage is $2,064.
If you are convicted of a DUI, your auto insurance rates are likely to go up. But one way to find an affordable insurance policy is to shop around and compare quotes from multiple insurers.
| Companies | Average Annual Rates |
|---|---|
| State Farm | $2,064 |
| Progressive | $2,183 |
| Kemper Independence | $3,095 |
| USAA | $3,397 |
| Geico | $3,864 |
| Nationwide | $3,919 |
| Allstate | $4,562 |
| Metropolitan | $7,532 |
Average car insurance cost in Derby
The average car insurance rate in Derby for full coverage is $1,468 per year or $122 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Derby is $693 per year.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average Annual Rates | State Minimum Average |
|---|---|
| $1,468 | $693 |
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