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Get Cheap Car Insurance in Derby, OH
We monitor insurance prices, helping the average driver in Derby save up to 30.1% on car insurance.
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 Safeco Insurance, Travelers, and Mile Auto.
| Derby Insurer | Monthly Cost |
|---|---|
| State Farm | $45 |
| Safeco Insurance | $47 |
| Travelers | $48 |
| Mile Auto | $50 |
Savings for Every Kind of Derby Driver
Based on our extensive insurance data, we know the average Derby driver will save about 26% 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 $291 per year by choosing the right vehicle insurance company. Some Derby residents are paying out over $1,101 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, OH Savings / Yr. |
|---|---|
$291 |
|
$495 |
|
$418 |
|
$447 |
|
$1,069 |
|
$304 |
|
$426 |
Derby Car Insurance vs. Ohio
People living in Derby pay an average of 2.01% less than the typical driver in the state. The average driver in Derby can expect to pay about $744 per year, or $1,101 for full coverage.
Based on our analysis, Mile Auto will be the cheapest provider in Derby for most people.
Car Insurance Prices by Derby Neighborhood
Insurance Prices
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 $44 per year within the city boundaries, with insurance premiums ranging from a high of $1,126 to a low of $1,082. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central parts of Derby.Pick the Best Car Insurance Company for You in Derby
The best car insurance provider for most drivers in Derby
For drivers with clean driving records and no major strikes, Mile Auto is the best option, with annual savings of $291 over the average Derby car insurance company.
The best car insurance provider for Derby drivers with accidents on their records
In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $495 over the competition.
The best car insurance company for Derby drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $418 better than other car insurance companies.
The best auto insurance for Derby drivers with a DUI conviction
Getting a quote from Gainsco may cost the average person with a DUI about $447 less each year.
The least expensive car insurance company for new and young drivers in Derby
In Derby, Geico costs young drivers $1,069 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Derby
State Farm gave the largest car insurance discounts to married couples, averaging $304 saved each year compared to an average Derby couple's premiums.
The cheapest car insurance in Derby for drivers with bad credit
The best Derby car insurance company for customer service
Recent price drops
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The cheapest large national provider in Derby
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Derby driver can expect to pay about $76 per month.
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 young drivers, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and drivers with a DUI conviction.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 31 minutes, which is about the national average for a driver in the state.
- Ohio 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 lower than average 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 F according to CrimeGrade.org.
- Derby is a lightly populated area 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 is $62 per month for minimum coverage and $92 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
- Era: Insurance costs 0.82% more
- Harrisburg: Insurance costs 1.45% more
- Orient: Insurance costs 7.72% more
- Mount Sterling: Insurance costs 0.73% more
- Kiousville: Insurance costs 0.73% more
- Matville: Insurance costs 2.82% more
- Five Points: Insurance costs 1.54% more
- Darbyville: Insurance costs 2.18% more
- Pleasant Corners: Insurance costs 0.45% more
- Commercial Point: Insurance costs 1.91% more
Cities with Similar Populations
- Ekalaka: Insurance costs 53.68% more
- Smithers: Insurance costs 38.15% more
- Smithfield: Insurance costs 30.06% more
- South Branch: Insurance costs 161.13% more
- South Vacherie: Insurance costs 188.56% more
- Southside: Insurance costs 41.14% more
- Sportsmen Acres: Insurance costs 52.13% more
- Sprague: Insurance costs 22.25% more
- Marysville: Insurance costs 41.42% more
- Stella Niagara: Insurance costs 105.18% more