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Cheapest car insurance in Derby, Kansas (Oct 2024)
Cheapest car insurance in Derby, Kansas (Oct 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Derby, Kansas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Cheapest Car Insurance Quotes in Derby
- Best Car Insurance Companies in Derby
- Best cheap car insurance quotes in Derby
- Average cost of car insurance in Derby
- Car insurance quotes in Derby by rating factors
- How do different factors impact your car insurance costs in Derby?
- Cheap car insurance quotes in Derby after driving violations
- Cheap car insurance quotes in Derby by age
- Cheap car insurance quotes in Derby based on insurance history
- Cheap car insurance quotes in Derby for popular cars
- How to lower car insurance costs in Derby
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
Cheapest Car Insurance Quotes in Derby
On average, auto insurance in Derby costs about $66 per month for minimum coverage liability insurance and about $160 per month for full coverage insurance. Derby drivers pay -- than the
Kansas
average. Smart car insurance shoppers in Derby turn to Jerry every month, because Jerry makes it easy for customers to
compare and purchase affordable car insurance
. Below are some of the cheapest car insurance quotes Jerry found for customers in Derby.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $180 | Iva, 42 Zip: 67037 | Dodge Dart SXT | • 100,000/300,000 Liability • Comp / Collision |
| Nationwide | $109 | Kevin, 41 Zip: 67037 | Mini Cooper John Cooper Works | • State Minimum Liability • Comp / Collision |
| Dairyland | $112 | Christopher, 24 Zip: 67037 | Ford Crown Victoria Police Interceptor | • State Minimum Liability |
| The General | $183 | Philip, 51 Zip: 67037 | Nissan Altima 2.5 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 7, 2024Best Car Insurance Companies in Derby
The right car insurance company is different for everyone. The main reason is that every customer gets a different
car insurance quote
based on their unique profile.By surveying over 15,000 policyholders, we discovered that when it comes to finding the best auto insurance company, the secret lies in uncovering the perfect match for your unique needs.
For some drivers, insurance giant
State Farm
is their cheapest car insurance company; for other drivers, it’s Farmers
through and through. There’s no one-size-fits-all for the best car insurance, but you can find the best car insurance for you. Companies that have established a strong presence in Kansas include
Progressive
, Travelers
, Geico, American Family, and Allstate
. At least one of these companies is sure to tick all your boxes.The table below shows how drivers in Derby rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.2 | 3.8 | 4 | 4.3 |
| Bristol West | 4.1 | 4.8 | N/A | 3.8 |
| Dairyland | 4.4 | 3.6 | N/A | 4.1 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Derby
To legally hit the road, Derby drivers need to meet Kansas’s minimum coverage limits for bodily injury liability and property damage liability. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Derby should consider purchasing full coverage for the best protection.
Cheap minimum liability insurance quotes in Derby
To hit the road legally, Derby drivers must meet Kansas minimum coverage limits.
Kansas minimum liability coverage includes $25,000 in
bodily injury liability
per person, $50,000 per accident, and $25,000 of property damage liability
. These coverages are commonly known as 25/50/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving. 
Barry (24 years old)
$135
per month
Kevin (41 years old)
$109
per month
Do you need more than minimum coverage in Derby?
For most Derby drivers, purchasing more liability coverage than the 25/50/25 state minimum mandated by
Kansas car insurance laws
is a very good idea. If you cause an accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the replacement cost can be more than $40,000—well above that $25,000 property damage limit.
And remember,
Kansas’ car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident date. The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Derby
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your vehicle. Full coverage includes comprehensive and collision insurance.
Collision coverage
covers the cost of fixing or replacing your car after an accident, while comprehensive coverage
pays out if your vehicle is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters. If you have a loan on the vehicle, your lending agency will typically require both collision and comprehensive coverage. On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. The table below shows some recent examples of the cheapest Derby full coverage quotes that Jerry’s agents helped our customers obtain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $180 | Iva, 42 Zip: 67037 | Dodge Dart SXT |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $138 | Ricky, 28 Zip: 67037 | KIA Soul LX |
• State Minimum Liability • Comp / Collision | The General | $183 | Philip, 51 Zip: 67037 | Nissan Altima 2.5 |
• State Minimum Liability • Comp / Collision | Dairyland | $173 | Jared, 41 Zip: 67037 | Mini Cooper John Cooper Works |
Last Updated Oct 7, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry,
a top insurance agency
, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Derby
Jerry has helped countless drivers in Derby find car insurance. Through this process, we discovered that the average cost for minimum liability coverage is $66 per month or $795 per year. The average price for full coverage insurance in Derby is $160 per month or $1,918 per year.
While researching average insurance rates can help you predict your insurance costs, it's important to note that each driver's insurance premium is calculated based on various factors, such as the car type, driving record, claims history, and demographics.
Remember: Car insurance companies look at many different factors when
calculating your annual premiums
, including your demographics, driving record, and discount eligibility—so your actual costs may vary significantly from the state average.Car insurance quotes in Derby by rating factors
- Your driving record and claims history: Insurers will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 will pay higher insurance rates as insurance providers consider young drivers a higher risk due to limited driving experience.
- The kind of car you own: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you store your car: Rates are likely higher if you regularly park in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurers often charge more if you drive your vehicle to and from work than if you use it for leisure.
How do different factors impact your car insurance costs in Derby?
How do different factors impact your car insurance costs in Derby?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Derby currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Derby:
Cheap car insurance quotes in Derby after driving violations
Your
Kansas driving record
plays a large role in your car insurance quotes. If insurance providers see a history of violations, they’ll view you as a higher risk and charge a steeper rate. Common violations that could increase your insurance rates include the following:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Derby after DUI
In Derby,
a DUI violation
can increase your insurance rates and label you as a high-risk driver
. If you have a DUI on your record, car insurance rates can vary significantly from one insurance company to another. You’ll need to compare quotes from many insurance companies to find low-cost options after a DUI.Jerry has helped many Derby drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Derby after an at-fault accident
One of the most critical elements affecting car insurance rates is your car accident or claim history. Your car insurance rates could skyrocket if you’ve recently been in an at-fault accident. Jerry has helped many Derby drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $139 | Herbert, 50 Zip: 67037 | Hyundai Sonata SE | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Safeco | $138 | Bobby, 28 Zip: 67037 | KIA Soul LX | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | AAA | $199 | Edgar, 83 Zip: 67037 | Subaru Impreza Premium | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 4, 2024Cheapest car insurance in Derby after other driving violations
Besides speeding tickets and DUIs, violations like
reckless driving
and driving on a suspended license can also cause your car insurance costs to increase in Derby.We compiled a list of other driving violations and how we helped drivers with these offenses save on their auto insurance.
Last Updated Oct 7, 2024Cheap car insurance quotes in Derby by age
Young drivers pay steep insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.
Cheapest car insurance in Derby for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Derby. Full coverage provides better financial protection for teen car owners that drive newer cars, as teens are more likely to get into accidents—and staying on the parent’s policy is the best way to keep rates low.Barry (24 years old)
$135
per month
Cheapest car insurance in Derby for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
As a result,
car insurance rates for senior drivers
start to rise once more when drivers enter their mid-70s.
Cheap car insurance quotes in Derby based on insurance history
Another factor that can impact your rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in coverage
usually leads to an increase in car insurance rates.Jerry sends payment reminders to our customers, to help ensure timely insurance payments and prevent coverage lapses. We can also help uninsured or previously lapsed customers find savings on new auto insurance policies.
Luella (41 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Derby, KS (Zip Code: 67037)
$180
per month
Lois (50 years old)
$207
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Easy to use the app
James
Excellent customer service and reasonable rates
Claud
They are great and affordable! Needed insurance quick and they were not only the best option but were quick and very nice to work with on the phone.
Erikah
Switched quick and easy, no issues
Jennifer
Cheap car insurance quotes in Derby for drivers with poor credit
Unfortunately, having low credit can stop you from finding the best rates. Car insurance providers aren’t comfortable with the idea that you might leave your annual premiums unpaid.
With a credit score of 550 or less, even good drivers can see their insurance rates go up. Compared to drivers with poor credit, Kansas drivers with a high credit score (750+) typically enjoy rates that are 20% cheaper than those quoted for drivers with bad credit.
It may seem challenging, but insurance options exist for drivers of all credit levels. While your credit history may impact your insurance rates, you can take steps to find the best car insurance with bad credit.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Safeco | $138 | Sally, 28 Zip: 67037 | KIA Soul LX | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Progressive | $135 | Scott, 23 Zip: 67037 | Ford Crown Victoria Police Interceptor | • State Minimum Liability |
660 - 750 | Bristol West | $122 | Mario, 23 Zip: 67037 | Ford Crown Victoria Police Interceptor | • State Minimum Liability |
550 - 659 | Progressive | $190 | Howard, 34 Zip: 67037 | Nissan Altima 2.5 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 7, 2024Cheap car insurance quotes in Derby for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with car type include the cost of repairs or replacements, the likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Derby include:
- Ford F-150
- Chevrolet Silverado
- Ram 1500
- GMC Sierra
- Toyota RAV4
Last Updated Oct 6, 2024How to lower car insurance costs in Derby
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers.
Commonly available discounts
for Kansas drivers include: - Good driver discounts: Many insurance providers offer discounts for drivers with a history of safe driving. Drivers with one or fewer points on their license and no at-fault accidents may be eligible to receive good driver discounts.
- Telematics discounts: Many companies offer easy-to-earn discounts to drivers who use telematics to track their driving habits. You might even get a discount for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You may qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is an easy way to lower your monthly expenses without sacrificing coverage if you've got full coverage car insurance.
Why is car insurance in Derby so expensive?
- Traffic: Dense traffic in Derby leads to a higher rate of car accidents, which makes insurance companies charge higher prices.
- Crime: Living in an area with a high crime rate can lead to more car theft and vandalism, which raises the cost of comprehensive car insurance.
- Natural disasters: Natural disasters like tornadoes and winter storms are more common in Derby than in many other parts of the country. When setting rates, insurers consider the increased risk of vehicle damage from these events.
FAQs
What is the best car insurance in Derby?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Acceptance, State Farm, and Farm Bureau receive good ratings from Derby drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
How much is car insurance in Derby?
People living in Derby pay on average $66 per month – or $795 per year – on state-minimum liability coverage. Full coverage in Derby costs on average $160 per month of $1,918 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Derby?
Based on thousands of Derby drivers Jerry has worked with, car insurance in Derby costs an average of $66 per month for state-minimum coverage and $160 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Derby, Kansas?
The state-minimum car insurance in Derby, Kansas is as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These coverages are commonly referred to as 25/50/25 coverage.
Additionally, Kansas also mandates personal injury protection (PIP) coverage and uninsured motorist coverage/underinsured motorist coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.