Compare Derby, IN Car Insurance Rates (2021)

Car insurance in Derby, IN averages $272 a month. Derby, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Derby car insurance rates, compare quotes from the top car insurance companies in Derby, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Derby, IN are $3,269/year
  • The cheapest car insurance company in Derby is USAA
  • Average car insurance rates in Derby, IN after a DUI are $3,876/year

If you need to buy Derby, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Derby, IN is right here.

You’ll find Derby car insurance rates, the cheapest Derby, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Derby, Indiana car insurance rates to Gary car insurance rates, Fishers car insurance rates, and Indianapolis car insurance rates.

Ready to find affordable Derby, IN car insurance today? Enter your ZIP code for fast, free Derby car insurance quotes.

Cheapest Derby, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Derby, IN car insurance rates? Every Derby, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Derby, IN

Every driver must carry the minimum car insurance in Derby, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car 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

Cheapest Derby, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Derby, IN. Compare credit history car insurance rates in Derby from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Derby, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Derby, IN to rates for a clean record with top companies.

Annual Derby, Indiana Car 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

Cheapest Derby, IN Car Insurance for Teen Drivers

Teen car insurance in Derby, IN can be expensive. Take a look at rates from the top car insurance companies in Derby for teenagers.

Annual Car 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

Cheapest Derby, IN Car Insurance for Seniors

Take a look at Derby, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Derby, IN Car Insurance Rates After a DUI

A DUI in Derby, IN increases car insurance rates. Compare Derby, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Derby, Indiana

Insurance Company Annual Car 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

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Cheapest Derby, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Derby, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

The Best Cheap Car Insurance Companies in Derby, IN

Take a look at a side-by-side comparison of the top car insurance companies in Derby, IN to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Derby, Indiana

Find the cheapest car insurance companies in Derby, IN for each category right here.

Best Annual Car 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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Cheapest Derby, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Derby car insurance rates. Find the cheapest Derby, IN car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Derby, Indiana?

What factors can have an impact on Derby, IN car insurance? There are several reasons why Derby car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Derby, Indiana.

Traffic in Derby

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Derby, IN traffic data from INRIX ranks Derby as the 186th-most congested in the world.

Compare Car Insurance Quotes in Derby, IN

Ready to find affordable Derby, Indiana car insurance today? Enter your ZIP code for fast, free Derby, IN car insurance quotes.

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Average Monthly Car Insurance Rates by State