Best Cheap Auto Insurance in Derby, KS (2021)

The average Derby, KS auto insurance rates are $280 per month. The minimum auto insurance in Derby is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Derby, Kansas, 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: May 17, 2021

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Things to Remember

  • The average commute length in Derby is 20.3 minutes
  • Average auto insurance rates in Derby, KS for senior drivers are $1,907 per year
  • The cheapest auto insurance company in Derby is American Family

Derby, Kansas auto insurance requirements are 25/50/25 according to Kansas 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, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Derby to other Kansas cities, including Salina auto insurance rates, Topeka auto insurance rates, and Shawnee auto insurance rates to see how Derby, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Derby, Kansas

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

Minimum Required Auto Insurance Coverage in Derby, Kansas

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

Auto insurance rates in Derby, Kansas 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, Kansas

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 $2,688 $2,594 $2,425 $2,491 $7,755 $8,735 $2,729 $2,809
American Family $1,656 $1,656 $1,498 $1,498 $3,312 $4,002 $1,656 $1,870
Farmers $2,519 $2,487 $2,238 $2,353 $7,531 $7,790 $2,853 $2,978
GEICO $2,095 $2,046 $2,120 $1,973 $3,977 $5,359 $2,479 $1,762
Liberty Mutual $2,275 $2,456 $2,207 $2,470 $11,147 $12,455 $2,452 $2,640
Nationwide $1,882 $1,932 $1,678 $1,805 $4,042 $4,923 $2,212 $2,349
Progressive $2,310 $2,175 $1,866 $1,951 $8,957 $10,064 $2,729 $2,929
State Farm $1,726 $1,726 $1,541 $1,541 $5,034 $6,363 $1,949 $2,226
Travelers $2,092 $2,127 $2,048 $2,073 $8,608 $13,448 $2,145 $2,511
USAA $1,281 $1,291 $1,187 $1,181 $4,643 $4,821 $1,702 $1,752

Cheap Derby, Kansas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Derby, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,755 $8,735
American Family $3,312 $4,002
Farmers $7,531 $7,790
GEICO $3,977 $5,359
Liberty Mutual $11,147 $12,455
Nationwide $4,042 $4,923
Progressive $8,957 $10,064
State Farm $5,034 $6,363
Travelers $8,608 $13,448
USAA $4,643 $4,821

Cheap Derby, Kansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Derby, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,425 $2,491
American Family $1,498 $1,498
Farmers $2,238 $2,353
GEICO $2,120 $1,973
Liberty Mutual $2,207 $2,470
Nationwide $1,678 $1,805
Progressive $1,866 $1,951
State Farm $1,541 $1,541
Travelers $2,048 $2,073
USAA $1,187 $1,181

Cheap Derby, Kansas 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, Kansas compared to the annual auto insurance rates with a clean record in Derby, Kansas.

Annual Derby, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,445 $4,032 $4,736 $3,901
American Family $2,106 $2,256 $2,106 $2,106
Farmers $3,222 $4,188 $4,080 $3,884
GEICO $1,727 $2,812 $4,309 $2,057
Liberty Mutual $3,565 $5,421 $5,316 $4,749
Nationwide $1,967 $2,257 $3,944 $2,243
Progressive $3,798 $4,472 $3,982 $4,239
State Farm $2,534 $2,992 $2,763 $2,763
Travelers $3,184 $4,166 $5,750 $4,426
USAA $1,624 $2,210 $3,231 $1,864

Cheap Derby, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Derby, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,736
American Family $2,106
Farmers $4,080
GEICO $4,309
Liberty Mutual $5,316
Nationwide $3,944
Progressive $3,982
State Farm $2,763
Travelers $5,750
USAA $3,231

Cheap Derby, Kansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Derby, Kansas

Insurance Company Poor Fair Good
Allstate $4,981 $3,802 $3,302
American Family $2,801 $1,976 $1,653
Farmers $4,491 $3,624 $3,415
GEICO $4,237 $2,241 $1,701
Liberty Mutual $4,763 $4,763 $4,763
Nationwide $2,877 $2,553 $2,378
Progressive $4,697 $3,981 $3,690
State Farm $4,024 $2,404 $1,862
Travelers $5,056 $4,125 $3,964
USAA $3,029 $2,009 $1,660

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Cheap Derby, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Derby, Kansas

ZIP Code Average Annual Rates
67037 $3,597

Cheap Derby, Kansas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Derby, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,028 $4,028
American Family $2,117 $2,170
Farmers $3,843 $3,843
GEICO $2,670 $2,783
Liberty Mutual $4,763 $4,763
Nationwide $2,603 $2,603
Progressive $4,122 $4,122
State Farm $2,694 $2,833
Travelers $4,382 $4,382
USAA $2,170 $2,295

Cheap Derby, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Derby, Kansas

Insurance Company Low Medium High
Allstate $3,896 $4,019 $4,170
American Family $2,152 $2,251 $2,027
Farmers $3,664 $3,820 $4,046
GEICO $2,633 $2,723 $2,823
Liberty Mutual $4,635 $4,751 $4,903
Nationwide $2,731 $2,576 $2,502
Progressive $3,904 $4,089 $4,375
State Farm $2,646 $2,772 $2,872
Travelers $4,147 $4,389 $4,608
USAA $2,144 $2,226 $2,327

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Best By Category: Cheapest Auto Insurance in Derby, Kansas

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

Best Annual Auto Insurance Rates by Company in Derby, Kansas

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

The Cheapest Derby, Kansas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Derby, Kansas

Insurance Company Average Annual Rates
Allstate $4,028
American Family $2,143
Farmers $3,843
GEICO $2,726
Liberty Mutual $4,763
Nationwide $2,603
Progressive $4,122
State Farm $2,763
Travelers $4,382
USAA $2,232

What affects auto insurance rates in Derby, Kansas?

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

Derby Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Derby, Kansas auto theft statistics, there have been 35 auto thefts in the city.

Derby Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Derby, Kansas commute length is 20.3 minutes according to City-Data.

Derby Traffic

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

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Compare Derby, Kansas Auto Insurance Quotes

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