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Get Cheap Car Insurance in Derby, IA

We monitor insurance prices, helping the average driver in Derby save up to 33.2% on car insurance.

 

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The Cheapest Minimum Coverage in Derby

The chart below shows the cheapest car insurance company in Derby for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by IMT Insurance, Auto-Owners Insurance, and Farm Bureau.

 
Derby Insurer Monthly Cost
State Farm $27
IMT Insurance $28
Auto-Owners Insurance $29
Farm Bureau $30

Savings for Every Kind of Derby Driver

The table shows how much the average auto insurance customer in Derby might save by following our recommendations.

Based on our extensive insurance data, we know the average Derby driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $266 per year by choosing the right vehicle insurance company. Some Derby residents are paying out over $1,218 extra every year for auto insurance in Derby. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Derby, IA Savings / Yr.
Drivers with good records
$266
Drivers with accidents
$371
Drivers with speeding tickets
$316
Drivers with a DUI conviction
$425
Young drivers
$1,114
Married drivers
$367
Drivers with bad credit
$562

Derby Car Insurance vs. Iowa

People living in Derby pay an average of 2.44% less than the typical driver in the state. The average driver in Derby can expect to pay about $478 per year, or $1,218 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Derby for most people.

Car Insurance Prices by Derby Neighborhood

Derby, IA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Derby?

The map shows insurance prices in and around Derby, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $17 per year within the city boundaries, with insurance premiums ranging from a high of $1,234 to a low of $1,217. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Derby.

Pick the Best Car Insurance Company for You in Derby

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Derby insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Derby

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $266 over the average Derby car insurance company.

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We use the average good driver, paying $79 per month, as our baseline for pricing in Derby. State Farm, IMT Insurance, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Derby drivers with accidents on their records

In Derby getting into an accident will raise premiums an average 32% for a yearly cost of $1,783. That's $565 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, IMT Insurance, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $371 over the competition.

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The best car insurance company for Derby drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $316 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Derby, tickets raise premiums on new quotes about $317. If you have a speeding ticket, we recommend State Farm, IMT Insurance, and Auto-Owners Insurance for savings that beat the average insurance cost of $1,536 per year.

The best auto insurance for Derby drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,928 per year in auto insurance premiums, which was $709 more than a driver with no major issues. State Farm, Progressive, and IMT Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $425 less each year.

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The least expensive car insurance company for new and young drivers in Derby

In Derby, IMT Insurance costs young drivers $1,114 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Derby. With an average cost of $3,353 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, IMT Insurance, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Derby

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $82. State Farm, IMT Insurance, and Farm Bureau provided the largest discounts to couples living in Derby.

State Farm gave the largest car insurance discounts to married couples, averaging $367 saved each year compared to an average Derby couple's premiums.

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The cheapest car insurance in Derby for drivers with bad credit

People with poor credit saved an average of $562 with IMT Insurance.

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Many people are surprised that their poor credit score can cost them an average of $797 every year. Premiums for people with poor credit were about $2,016 in Derby. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Nationwide, Travelers, and IMT Insurance.

The best Derby car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Derby, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Derby.

Nationwide was the best company for customer service in Derby according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Derby, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Derby. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Derby

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 6.3% of Derby residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Derby driver can expect to pay about $81 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Derby, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and young drivers.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Derby

What Influences the Cost of Car Insurance in Derby?

On average, car insurance in Derby is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Derby is 33 minutes, which is far more than average for a driver in the state.
  • Iowa state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Derby are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Derby is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Derby is $40 per month for minimum coverage and $102 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Derby driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Derby with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.