Compare Derby, NY Car Insurance Rates (2021)

Car insurance in Derby, NY averages $299 a month. Derby, New York car insurance requirements are 25/50/10, 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, NY.

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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, NY after a DUI are $4,755/year
  • The cheapest car insurance company in Derby is GEICO
  • Average car insurance rates in Derby, NY are $3,588/year

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

You’ll find Derby car insurance rates, the cheapest Derby, NY car insurance companies, and information on New York car insurance laws. You can also compare Derby, New York car insurance rates to Albany car insurance rates, Utica car insurance rates, and Schenectady car insurance rates.

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

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

How do age, gender, and marital status affect Derby, NY car insurance rates? Every Derby, New York 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, 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

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Minimum Car Insurance in Derby, NY

Every driver must carry the minimum car insurance in Derby, NY. Take a look at the New York car insurance requirements.

Minimum Required Car 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

Cheapest Derby, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Derby, NY. 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, 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

Cheapest Derby, NY 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, NY to rates for a clean record with top companies.

Annual Derby, New York Car 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

Cheapest Derby, NY Car Insurance for Teen Drivers

Teen car insurance in Derby, NY 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, 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

Cheapest Derby, NY Car Insurance for Seniors

Take a look at Derby, NY 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, 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

Cheapest Derby, NY Car Insurance Rates After a DUI

A DUI in Derby, NY increases car insurance rates. Compare Derby, New York DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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

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Cheapest Derby, NY Car Insurance Rates by Commute Length

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

Annual Car 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

The Best Cheap Car Insurance Companies in Derby, NY

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Derby, New York

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

Best Annual Car 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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Cheapest Derby, NY 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, NY car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Derby, New York?

What factors can have an impact on Derby, NY 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, New York.

Traffic in Derby

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

Compare Car Insurance Quotes in Derby, NY

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

Free Car Insurance Comparison

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

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