Cheapest car insurance companies in Derry
Travelers and Nationwide have the cheapest car insurance premiums for Derry drivers in 2023, based on a data study by Insurance.com.
In Derry, Travelers provides the cheapest auto insurance rates to drivers at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $969 annually.
In Derry, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| Travelers | $969 |
| Nationwide | $1,103 |
| Erie Insurance | $1,437 |
| Westfield Insurance | $1,850 |
| Donegal | $1,857 |
| USAA | $1,884 |
| Geico | $2,239 |
| Progressive | $2,335 |
| State Farm | $2,373 |
| Allstate | $2,515 |
Cheapest car insurance cost in Derry by Age Group
In Derry, Travelers is the cheapest car insurance company for teenagers, offering full coverage policies at $2,556 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
Travelers is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Derry at about $1,406 per year.
As Derry drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Travelers stands out as the cheapest car insurance option for adult drivers, with an annual premium of $968.
Travelers tops the list in terms of affordability for senior drivers in Derry. With an average annual premium of $878, Travelers offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Travelers | $2,556 | $1,406 | $968 | $878 |
| Westfield Insurance | $3,966 | $2,786 | $1,907 | $1,722 |
| Erie Insurance | $4,035 | $2,409 | $1,453 | $1,488 |
| Nationwide | $4,228 | $1,833 | $1,083 | $995 |
| Geico | $4,468 | $2,963 | $2,271 | $2,132 |
| USAA | $6,205 | $2,998 | $1,933 | $1,875 |
| State Farm | $7,105 | $4,021 | $2,372 | $2,257 |
| Donegal | $7,132 | $4,144 | $1,869 | $2,038 |
| Progressive | $7,337 | $4,212 | $2,396 | $2,468 |
| Allstate | $7,635 | $3,739 | $2,548 | $2,548 |
Cheapest car insurance companies in Derry by driver profile
Car insurance rates in Derry vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
Comparison shopping is the key to getting the cheapest car insurance rates in Derry. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Below are some of the cheapest car insurance companies in Derry by driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: Travelers
- Cheapest for accident: Nationwide
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Drivers in Derry with poor credit can get the cheapest car insurance from Nationwide at an average cost of $1,016 a year, according to a data study by Insurance.com.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,016 |
| USAA | $1,491 |
| Allstate | $2,380 |
| State Farm | $2,648 |
| Geico | $2,649 |
| Travelers | $2,786 |
| Progressive | $2,888 |
Cheapest for drivers with a speeding ticket: Travelers
Travelers offers the cheapest auto insurance rates for drivers with a speeding ticket in Derry. It offers full coverage car insurance for drivers aged 30 at about $1,334 per year.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| Travelers | $1,334 |
| State Farm | $1,361 |
| Nationwide | $1,373 |
| Allstate | $1,417 |
| USAA | $1,796 |
| Geico | $1,892 |
| Progressive | $1,928 |
Cheapest auto insurance after an at-fault accident: Nationwide
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that Nationwide offers the cheapest car insurance rates for Derry drivers with at-fault accidents. It provides coverage at an average annual cost of $1,254.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,254 |
| State Farm | $1,412 |
| Travelers | $1,443 |
| Allstate | $1,835 |
| Geico | $2,180 |
| USAA | $2,269 |
| Progressive | $2,537 |
Cheapest auto insurance after a DUI: State Farm
In Derry, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,361 a year.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| State Farm | $1,361 |
| Allstate | $1,386 |
| Travelers | $1,731 |
| USAA | $2,107 |
| Nationwide | $2,386 |
| Progressive | $2,396 |
| Geico | $2,796 |
Average car insurance cost in Derry
On average, Derry drivers pay $1,856 annually, or $155 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Derry is $361.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State minimum average |
|---|---|
| $1,856 | $361 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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