Buy Cheap Derby, IN Auto Insurance (2021)

Derby, IN auto insurance rates average $272 a month. Minimum auto insurance requirements in Derby, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Derby, IN, compare Derby auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Derby, IN are $272/month
  • Average auto insurance rates in Derby, IN for teens drivers are $6,357/year
  • Average auto insurance rates in Derby, IN after a DUI are $3,876/year

Finding affordable Derby, Indiana auto insurance can be challenging, but everything you need to know to buy cheap Derby, IN auto insurance with confidence is right here. Auto insurance rates in Derby are affected by local factors as well as personal ones like your driving record.

See how Derby, IN car insurance rates compare to Hammond auto insurance rates, Indianapolis auto insurance rates, and Bloomington auto insurance rates before you read more about the cost of auto insurance in Derby.

Don’t buy Derby, IN auto insurance until you’ve compared rates. Get free Derby, Indiana auto insurance quotes when you enter your ZIP code above.

Derby, IN Minimum Auto Insurance Requirements

The required auto insurance in Derby, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in Derby, Indiana is outlined here.

Minimum Required Auto Insurance Coverage in Derby, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Derby, IN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Derby, IN. Take a look at Derby, Indiana auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Derby, Indiana

Insurance Company Poor Fair Good
Allstate $4,906 $3,645 $3,313
American Family $4,601 $2,998 $2,512
Farmers $3,949 $3,213 $2,975
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,772 $5,058 $4,678
Nationwide $3,297 $2,784 $2,602
Progressive $3,954 $3,482 $3,275
State Farm $3,569 $2,128 $1,650
Travelers $3,661 $3,109 $3,109
USAA $2,039 $1,338 $1,144

Buy Cheap Derby, IN Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Derby, Indiana auto insurance rates? Find out how car insurance rates in Derby, IN are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Derby, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,449 $2,509 $2,150 $2,354 $7,507 $9,477 $2,489 $2,703
American Family $2,133 $2,133 $1,913 $1,913 $5,738 $8,356 $2,133 $2,645
Farmers $1,555 $1,535 $1,331 $1,490 $8,182 $8,694 $2,036 $2,210
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $3,976 $3,976 $3,651 $3,651 $8,754 $13,239 $3,976 $5,466
Nationwide $1,782 $1,827 $1,557 $1,669 $5,181 $6,759 $2,089 $2,292
Progressive $1,560 $1,486 $1,405 $1,420 $8,822 $9,922 $1,950 $1,998
State Farm $1,537 $1,537 $1,356 $1,356 $4,475 $5,753 $1,693 $1,883
Travelers $1,161 $1,181 $1,093 $1,093 $7,402 $11,772 $1,232 $1,410
USAA $968 $956 $894 $906 $2,640 $2,970 $1,310 $1,411

Buy Cheap Derby, IN Auto Insurance for Teen Drivers

Auto insurance for teenagers in Derby can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Derby, IN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Derby, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,507 $9,477
American Family $5,738 $8,356
Farmers $8,182 $8,694
GEICO $4,871 $4,549
Liberty Mutual $8,754 $13,239
Nationwide $5,181 $6,759
Progressive $8,822 $9,922
State Farm $4,475 $5,753
Travelers $7,402 $11,772
USAA $2,640 $2,970

Buy Cheap Derby, IN Auto Insurance for Seniors

You can save on senior auto insurance rates in Derby, Indiana by comparing Derby senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Derby, IN here.

Annual Auto Insurance Rates for Senior Drivers in Derby, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,150 $2,354
American Family $1,913 $1,913
Farmers $1,331 $1,490
GEICO $1,547 $1,591
Liberty Mutual $3,651 $3,651
Nationwide $1,557 $1,669
Progressive $1,405 $1,420
State Farm $1,356 $1,356
Travelers $1,093 $1,093
USAA $894 $906

Find Cheap Auto Insurance Rates in Derby, IN by Coverage Level

The amount of coverage you choose is a big factor in the cost of Derby, Indiana auto insurance. Compare Derby, IN auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Derby, Indiana

Insurance Company Low Medium High
Allstate $3,758 $3,939 $4,167
American Family $3,351 $3,483 $3,278
Farmers $3,267 $3,372 $3,498
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,675 $5,824 $6,009
Nationwide $2,944 $2,871 $2,869
Progressive $3,389 $3,519 $3,803
State Farm $2,347 $2,448 $2,552
Travelers $3,214 $3,324 $3,341
USAA $1,460 $1,504 $1,557

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Find Cheap Derby, IN Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Derby. Compare auto insurance rates in Derby, IN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Derby, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,955 $3,955
American Family $3,330 $3,411
Farmers $3,379 $3,379
GEICO $2,392 $2,483
Liberty Mutual $5,680 $5,992
Nationwide $2,894 $2,894
Progressive $3,570 $3,570
State Farm $2,379 $2,519
Travelers $3,293 $3,293
USAA $1,487 $1,527

Find Cheap Derby, IN Auto Insurance Rates by Driving Record

Auto insurance rates in Derby, Indiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Derby, IN, take a look at the average cost for various violations versus rates for a clean driving record in Derby.

Annual Derby, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,159 $4,638 $4,271 $3,751
American Family $2,322 $3,712 $4,682 $2,765
Farmers $3,022 $3,528 $3,628 $3,338
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,581 $5,380 $8,346 $5,037
Nationwide $2,483 $3,214 $3,079 $2,802
Progressive $2,692 $4,653 $3,206 $3,730
State Farm $2,395 $2,611 $2,395 $2,395
Travelers $2,802 $3,454 $3,912 $3,004
USAA $1,142 $1,617 $1,856 $1,413

Find Cheap Derby, IN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Derby, Indiana is higher than for a clean driving record. You can buy auto insurance after a DUI in Derby for less when you shop around and compare rates from multiple Derby, IN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Derby, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,271
American Family $4,682
Farmers $3,628
GEICO $3,385
Liberty Mutual $8,346
Nationwide $3,079
Progressive $3,206
State Farm $2,395
Travelers $3,912
USAA $1,856

Winners by Category: Where to Buy Cheap Auto Insurance in Derby, IN

Compare rates from the cheapest auto insurance companies in Derby, IN for your needs. Take a look at how Derby, Indiana auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Derby, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Find Cheap Derby, Indiana Auto Insurance Companies

If you’re looking for the cheapest Derby, IN auto insurance companies overall, you can compare them here. Find the best price for Derby, Indiana car insurance by company.

Average Annual Auto Insurance Rates by Company in Derby, Indiana

Insurance Company Average Annual Rates
Allstate $3,955
American Family $3,370
Farmers $3,379
GEICO $2,438
Liberty Mutual $5,836
Nationwide $2,894
Progressive $3,570
State Farm $2,449
Travelers $3,293
USAA $1,507

What affects Derby, Indiana auto insurance rates?

Local factors affect auto insurance rates in Derby, IN, including traffic, theft statistics, and commute length. Take a look at the things that impact Derby auto insurance rates.

Traffic in Derby

How is traffic in Derby, Indiana? Inrix data shows that Derby, IN traffic makes it the 186th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Derby, IN

You can buy cheap Derby, IN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Derby, Indiana auto insurance quotes from top companies.

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