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Get Cheap Car Insurance in Derby Line, VT

We monitor insurance prices, helping the average driver in Derby Line save up to 31.8% on car insurance.

 

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The Cheapest Minimum Coverage in Derby Line

The chart below shows the cheapest car insurance company in Derby Line 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 Kemper, followed by State Farm, Safeco Insurance, and Concord Group Insurance.

 
Derby Line Insurer Monthly Cost
Kemper $33
State Farm $39
Safeco Insurance $44
Concord Group Insurance $49

Savings for Every Kind of Derby Line Driver

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

Based on our extensive insurance data, we know the average Derby Line driver will save about 25% 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 $307 per year by choosing the right vehicle insurance company. Some Derby Line residents are paying out over $1,210 extra every year for auto insurance in Derby Line. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Derby Line, VT Savings / Yr.
Drivers with good records
$307
Drivers with accidents
$574
Drivers with speeding tickets
$366
Drivers with a DUI conviction
$561
Young drivers
$1,109
Married drivers
$312
Drivers with bad credit
$539

Derby Line Car Insurance vs. Vermont

People living in Derby Line pay an average of 0.84% less than the typical driver in the state. The average driver in Derby Line can expect to pay about $665 per year, or $1,210 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Derby Line for most people.

Car Insurance Prices by Derby Line Neighborhood

Derby Line, VT 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 Line?

The map shows insurance prices in and around Derby Line, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $21 per year within the city boundaries, with insurance premiums ranging from a high of $1,217 to a low of $1,196. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Derby Line.

Pick the Best Car Insurance Company for You in Derby Line

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 Line insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Derby Line

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $307 over the average Derby Line car insurance company.

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We use the average good driver, paying $75 per month, as our baseline for pricing in Derby Line. Travelers, Safeco Insurance, and Concord Group Insurance 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 Line drivers with accidents on their records

In Derby Line getting into an accident will raise premiums an average 36% for a yearly cost of $1,897. That's $687 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, Kemper, and Concord Group Insurance are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $574 over the competition.

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The best car insurance company for Derby Line drivers with speeding tickets

>Concord Group Insurance gave the average person with a speeding ticket the most savings, averaging $366 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 Line, tickets raise premiums on new quotes about $446. If you have a speeding ticket, we recommend State Farm, Concord Group Insurance, and Co-Operative Insurance for savings that beat the average insurance cost of $1,656 per year.

The best auto insurance for Derby Line drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,144 per year in auto insurance premiums, which was $934 more than a driver with no major issues. State Farm, Concord Group Insurance, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Concord Group Insurance may cost the average person with a DUI about $561 less each year.

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

In Derby Line, Concord Group Insurance costs young drivers $1,109 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 65% more for insurance than more mature drivers in Derby Line. With an average cost of $3,485 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, Geico, and Concord Group Insurance 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 Line

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $123. State Farm, Geico, and Concord Group Insurance provided the largest discounts to couples living in Derby Line.

State Farm gave the largest car insurance discounts to married couples, averaging $312 saved each year compared to an average Derby Line couple's premiums.

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The cheapest car insurance in Derby Line for drivers with bad credit

People with poor credit saved an average of $539 with Concord Group Insurance.

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Many people are surprised that their poor credit score can cost them an average of $795 every year. Premiums for people with poor credit were about $2,005 in Derby Line. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Concord Group Insurance.

The best Derby Line car insurance company for customer service

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

Nationwide was the best company for customer service in Derby Line 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 Line, 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 Line. 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 Line

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 31% of Derby Line 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, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Derby Line 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 Line, USAA has the best prices for drivers with a DUI conviction, married couples, young drivers, drivers with bad credit, drivers with accidents, drivers with speeding tickets, and good drivers.
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Auto Insurance Prices in and Around Derby Line

What Influences the Cost of Car Insurance in Derby Line?

On average, car insurance in Derby Line 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 Line is 27 minutes, which is a little less than average for a driver in the state.
  • Vermont 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 Line are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
  • Derby Line is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Derby Line is $55 per month for minimum coverage and $101 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.

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* Who is the average Derby Line driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Derby Line 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.