Cheap Auto Insurance Quotes in Derby, KS (January 2022)

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Last Updated: January 2022

Car Insurance in Derby, KS

The average cost of Kansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Derby, KS to find you the cheapest quotes in the area.
State FarmNationwideProgressiveTravelersAmerican Family

Cheapest Car Insurance in Derby, KS

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

KansasWichitaKansas CityOlatheTopekaDerby
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Derby, KS Driving Facts


Minimum Car Insurance Requirements in KS

Each state has at least a few differences in how it manages and enforces car insurance laws, so it’s important to understand the quirks and nuances of your state like this one: Is car insurance required in Kansas? Well, yes and no.

It may seem rare, but several states, including Kansas, offer alternatives to carrying insurance. This alternative is called Financial Responsibility in Kansas. Essentially, instead of going through an insurance company to cover damages drivers cause, drivers pay for damages out of their own pockets. Before they can legally drive without a policy, they must file proof of financial responsibility with the state.

For some drivers, this may seem like a great option. But for most everyone, driving without insurance is like walking a tightrope with no safety net—over the Grand Canyon in a windstorm. 

If you (hopefully) decide to purchase coverage, then you’ll need to purchase at least the required minimum coverage. These are:

  • $25,000/$50,000 bodily injury liability per person/accident
  • $25,000 property damage liability
  • $25,000/$50,000 uninsured and underinsured motorist protection 
  • $4,500 personal injury protection coverage per person

These are called minimum requirements for a reason. Drivers can certainly purchase higher liability coverage limits for themselves and their families, and many drivers should. Once the limits are reached in the event of an accident, the driver at fault will be required to cover damages.

For drivers who often cart around several passengers at a time, it’s easy to see how quickly minimums will be exceeded. The same logic also applies to underinsured/uninsured motorist coverage limits.

Find local Derby agents

ICI - Derby
1259 N. Rainbow Dr, Suite 400, Derby, KS 67037
Wheat State Insurance Group
228 N Baltimore Ave, Derby, KS 67037-1602
Jean Garinger American Family Insurance
601 N Baltimore Ave, Derby, KS 67037
Shelter Insurance - Tim Hicks
124 S Baltimore Ave #B, Derby, KS 67037
Spachek Agency LLC American Family Insurance
622 N Mulberry Rd, Derby, KS 67037
Rael Hodgson - State Farm Insurance Agent
1710 E Madison Ave Ste 100, Derby, KS 67037
Mark May: Allstate Insurance
402 N Baltimore Ave, Derby, KS 67037
Shelter Insurance - Lindsay Dearduff
613 N Rock Rd, Derby, KS 67037
Curt White - State Farm Insurance Agent
325 N Baltimore Ave, Derby, KS 67037
Todd Benway - State Farm Insurance Agent
958 N Buckner St, Derby, KS 67037

Insurify Insights: How Derby Drivers Measure Up

Ford Fusion
Most Popular Car in
Derby, KS
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Derby drivers measure up to their fellow Kansas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle in Derby

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Derby is the Ford Fusion.

DUI/DWIs in Derby

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Derby drivers rank -- in the number of DUI’s per driver across all cities in Kansas.

  • Rank within state: #--
  • Percent of drivers in Derby with a DUI: {{percentDrivers}}%
  • Drivers in Derby, KS with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Derby

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kansas, Derby drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Derby with a speeding ticket: {{percentDrivers}}%
  • Drivers in Derby, KS with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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