Buy Cheap Derby, NY Auto Insurance (2021)

Derby, NY auto insurance rates average $299 a month. Minimum auto insurance requirements in Derby, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Derby, NY, 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 overwhelming world o...

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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

  • The most expensive auto insurance company in Derby after a DUI is Liberty Mutual
  • Average auto insurance rates in Derby, NY after a DUI are $4,755/year
  • The most expensive auto insurance company in Derby is Liberty Mutual

Finding affordable Derby, New York auto insurance can be challenging, but everything you need to know to buy cheap Derby, NY 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, NY car insurance rates compare to New York auto insurance rates, Yonkers auto insurance rates, and New Rochelle auto insurance rates before you read more about the cost of auto insurance in Derby.

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

Derby, NY Minimum Auto Insurance Requirements

The required auto insurance in Derby, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Derby, New York is outlined here.

Minimum Required Auto Insurance Coverage in Derby, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Derby, NY Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Derby, New York

Insurance Company Poor Fair Good
Allstate $5,373 $3,129 $2,696
GEICO $2,678 $1,969 $1,766
Liberty Mutual $7,745 $5,067 $3,797
Nationwide $3,174 $3,174 $3,174
Progressive $5,204 $2,705 $1,984
State Farm $5,508 $3,457 $2,745
Travelers $5,221 $3,245 $2,801
USAA $4,876 $2,450 $2,164

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

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

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

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 $2,525 $2,380 $2,375 $2,414 $7,315 $7,835 $2,500 $2,518
GEICO $1,570 $1,512 $1,526 $1,504 $3,298 $4,821 $1,416 $1,454
Liberty Mutual $4,016 $4,016 $3,739 $3,739 $7,814 $12,685 $4,016 $4,267
Nationwide $2,390 $2,390 $2,255 $2,255 $4,276 $6,380 $2,390 $3,054
Progressive $1,956 $1,823 $1,568 $1,594 $6,830 $7,603 $2,537 $2,469
State Farm $2,464 $2,464 $2,150 $2,150 $7,193 $9,251 $2,708 $2,847
Travelers $2,652 $2,660 $2,448 $2,609 $6,335 $7,634 $2,805 $2,903
USAA $1,656 $1,628 $1,501 $1,503 $6,647 $7,915 $2,119 $2,341

Buy Cheap Derby, NY 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, NY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Derby, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,315 $7,835
GEICO $3,298 $4,821
Liberty Mutual $7,814 $12,685
Nationwide $4,276 $6,380
Progressive $6,830 $7,603
State Farm $7,193 $9,251
Travelers $6,335 $7,634
USAA $6,647 $7,915

Buy Cheap Derby, NY Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Derby, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,375 $2,414
GEICO $1,526 $1,504
Liberty Mutual $3,739 $3,739
Nationwide $2,255 $2,255
Progressive $1,568 $1,594
State Farm $2,150 $2,150
Travelers $2,448 $2,609
USAA $1,501 $1,503

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

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

Annual Auto Insurance Rates by Coverage Level in Derby, New York

Insurance Company Low Medium High
Allstate $3,463 $3,717 $4,019
GEICO $2,021 $2,132 $2,260
Liberty Mutual $5,271 $5,518 $5,821
Nationwide $2,977 $3,147 $3,398
Progressive $3,112 $3,277 $3,503
State Farm $3,693 $3,926 $4,091
Travelers $3,503 $3,704 $4,060
USAA $3,066 $3,147 $3,278

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Find Cheap Derby, NY 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, NY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Derby, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,682 $3,783
GEICO $2,075 $2,201
Liberty Mutual $5,382 $5,692
Nationwide $3,174 $3,174
Progressive $3,298 $3,298
State Farm $3,763 $4,043
Travelers $3,756 $3,756
USAA $3,132 $3,195

Find Cheap Derby, NY Auto Insurance Rates by Driving Record

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

Annual Derby, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,169 $3,169 $4,608 $3,985
GEICO $1,680 $1,831 $3,360 $1,680
Liberty Mutual $4,429 $4,429 $8,860 $4,429
Nationwide $2,421 $2,421 $5,378 $2,476
Progressive $3,206 $3,206 $3,551 $3,226
State Farm $3,719 $3,719 $4,088 $4,088
Travelers $3,194 $4,018 $4,074 $3,737
USAA $2,815 $2,860 $4,120 $2,860

Find Cheap Derby, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Derby, New York 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, NY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Derby, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,608
GEICO $3,360
Liberty Mutual $8,860
Nationwide $5,378
Progressive $3,551
State Farm $4,088
Travelers $4,074
USAA $4,120

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

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

Best Annual Auto Insurance Rates by Company in Derby, New York

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

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Find Cheap Derby, New York Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Derby, New York

Insurance Company Average Annual Rates
Allstate $3,733
GEICO $2,138
Liberty Mutual $5,537
Nationwide $3,174
Progressive $3,298
State Farm $3,903
Travelers $3,756
USAA $3,164

What affects Derby, New York auto insurance rates?

Local factors affect auto insurance rates in Derby, NY, 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, New York? Inrix data shows that Derby, NY traffic makes it the 186th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Derby, NY

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

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