Best Cheap Auto Insurance in Derby, CT (2021)

The average Derby, CT auto insurance rates are $412 per month. The minimum auto insurance in Derby is at least 25/50/20 in coverage to comply with Connecticut auto insurance laws. To find the best cheap auto insurance in Derby, Connecticut, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • The minimum auto insurance required in Derby, Connecticut is 25/50/20
  • The most expensive auto insurance company in Derby for teen drivers is Liberty Mutual
  • The average commute length in Derby is 27.4 minutes

Derby, Connecticut auto insurance requirements are 25/50/20 according to Connecticut auto insurance laws. Finding cheap auto insurance in Derby can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Derby, Connecticut, including driving record, credit, commute time, and more.

Compare auto insurance in Derby to other Connecticut cities, including Hartford auto insurance rates, Norwalk auto insurance rates, and Danbury auto insurance rates to see how Derby, Connecticut auto insurance rates stack up.

Before you buy Derby, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Derby, Connecticut auto insurance quotes.

Minimum Auto Insurance in Derby, Connecticut

Derby, Connecticut auto insurance laws require that you have at least the Connecticut minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Derby, Connecticut.

Minimum Required Auto Insurance Coverage in Derby, Connecticut

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Derby, Connecticut Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Derby, Connecticut are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

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 $4,330 $4,261 $3,998 $4,289 $13,357 $15,779 $4,506 $4,697
GEICO $2,499 $2,506 $2,318 $2,337 $5,853 $6,925 $2,412 $2,338
Liberty Mutual $3,626 $3,950 $2,791 $3,447 $18,159 $20,484 $3,662 $4,000
Nationwide $2,393 $2,418 $2,151 $2,255 $6,660 $8,442 $2,779 $2,987
Progressive $2,712 $2,524 $2,309 $2,409 $11,283 $12,507 $3,091 $3,457
State Farm $1,999 $1,999 $1,840 $1,840 $6,148 $7,738 $2,251 $2,587
Travelers $1,839 $1,865 $1,842 $1,837 $14,459 $23,506 $2,002 $2,228
USAA $2,086 $2,061 $1,951 $1,922 $6,637 $6,949 $2,798 $2,892

Cheap Derby, Connecticut Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Derby, Connecticut is a challenge. Take a look at the annual teen auto insurance rates in Derby, Connecticut.

Annual Auto Insurance Rates for Teen Drivers in Derby, Connecticut

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,357 $15,779
GEICO $5,853 $6,925
Liberty Mutual $18,159 $20,484
Nationwide $6,660 $8,442
Progressive $11,283 $12,507
State Farm $6,148 $7,738
Travelers $14,459 $23,506
USAA $6,637 $6,949

Cheap Derby, Connecticut Auto Insurance for Seniors

What are senior auto insurance rates in Derby, Connecticut? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Derby, Connecticut

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,998 $4,289
GEICO $2,318 $2,337
Liberty Mutual $2,791 $3,447
Nationwide $2,151 $2,255
Progressive $2,309 $2,409
State Farm $1,840 $1,840
Travelers $1,842 $1,837
USAA $1,951 $1,922

Cheap Derby, Connecticut Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Derby, Connecticut compared to the annual auto insurance rates with a clean record in Derby, Connecticut.

Annual Derby, Connecticut Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,856 $7,282 $8,614 $5,856
GEICO $2,146 $2,816 $5,996 $2,635
Liberty Mutual $6,579 $8,241 $8,162 $7,078
Nationwide $3,064 $3,998 $4,574 $3,407
Progressive $4,295 $6,235 $4,521 $5,095
State Farm $3,069 $3,377 $3,377 $3,377
Travelers $4,990 $5,405 $7,868 $6,526
USAA $2,631 $3,311 $5,075 $2,631

Cheap Derby, Connecticut Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Derby, Connecticut is not easy. Compare the annual rates for DUI auto insurance in Derby, Connecticut to find the best deal.

Annual Auto Insurance Rates After a DUI in Derby, Connecticut

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,614
GEICO $5,996
Liberty Mutual $8,162
Nationwide $4,574
Progressive $4,521
State Farm $3,377
Travelers $7,868
USAA $5,075

Cheap Derby, Connecticut Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Derby, Connecticut annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Derby, Connecticut

Insurance Company Poor Fair Good
Allstate $8,797 $6,645 $5,264
GEICO $4,946 $2,981 $2,269
Liberty Mutual $10,681 $6,645 $5,219
Nationwide $4,969 $3,348 $2,965
Progressive $5,484 $4,917 $4,709
State Farm $4,602 $2,938 $2,361
Travelers $7,026 $5,865 $5,701
USAA $4,507 $3,048 $2,681

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Cheap Derby, Connecticut Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Derby, Connecticut can vary. Compare the annual cost of auto insurance by ZIP code in Derby, Connecticut to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Derby, Connecticut

ZIP Code Average Annual Rates
6418 $4,990

Cheap Derby, Connecticut Auto Insurance Rates By Commute

Commute length and annual mileage affect Derby, Connecticut auto insurance. Find the cheapest annual Derby, Connecticut auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Derby, Connecticut

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,902 $6,902
GEICO $3,346 $3,451
Liberty Mutual $7,515 $7,515
Nationwide $3,761 $3,761
Progressive $5,036 $5,036
State Farm $3,218 $3,383
Travelers $6,197 $6,197
USAA $3,371 $3,453

Cheap Derby, Connecticut Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Derby, Connecticut? Check out the comparison of annual Derby, Connecticut auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Derby, Connecticut

Insurance Company Low Medium High
Allstate $6,428 $6,892 $7,387
GEICO $3,124 $3,352 $3,720
Liberty Mutual $7,204 $7,453 $7,888
Nationwide $3,794 $3,792 $3,695
Progressive $4,669 $4,990 $5,451
State Farm $3,091 $3,307 $3,503
Travelers $5,683 $6,150 $6,760
USAA $3,174 $3,416 $3,646

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Best By Category: Cheapest Auto Insurance in Derby, Connecticut

Compare the cheapest auto insurance companies in Derby, Connecticut in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Derby, Connecticut

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

The Cheapest Derby, Connecticut Auto Insurance Companies

What auto insurance companies in Derby, Connecticut are the cheapest? Compare the top Derby, Connecticut auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Derby, Connecticut

Insurance Company Average Annual Rates
Allstate $6,902
GEICO $3,398
Liberty Mutual $7,515
Nationwide $3,761
Progressive $5,036
State Farm $3,300
Travelers $6,197
USAA $3,412

What affects auto insurance rates in Derby, Connecticut?

There are a lot of reasons why auto insurance rates in Derby, Connecticut are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Derby, Connecticut. Many local factors may affect your Derby auto insurance rates.

Derby Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Derby, Connecticut commute length is 27.4 minutes according to City-Data.

Derby Traffic

How does Derby, Connecticut rank for traffic? According to Inrix Derby, Connecticut is the 186th most congested worldwide.

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Compare Derby, Connecticut Auto Insurance Quotes

Before you buy Derby, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Derby, Connecticut auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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