Cheapest Car Insurance Quotes in Derby Line

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Derby Line Car Insurance

^$ 14

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Derby Line

The car insurance rate in Derby Line is $631 for a six-month policy, which is $6 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $378, making it a popular choice for budget-conscious drivers. Rates in Derby Line can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Derby Line

$631

Avg. Car Insurance in Vermont

$625

National Average

$1140

Cheapest Car Insurance Companies in Derby Line

1st place: Union Mutual

At $378 for a six month policy, Union Mutual offers the cheapest auto insurance rates in the city.

2nd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $462 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $468 for six months, making it the third cheapest auto insurance company in Derby Line.

Derby Line Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Derby Line, VT is Union Mutual, offering policies at just $378 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $462.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $912 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Derby Line drivers find the best deals.

Cheap Car Insurance Companies in Derby Line, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$378	$63
Vermont Mutual	$462	$78
USAA	$468	$79
State Farm	$534	$90
Progressive	$636	$107
Nationwide	$666	$112
Concord Group	$684	$114
Concord	$702	$119
Co-Op	$876	$146
Allstate	$912	$154

Key Takeaways

Way's key takeaways about car insurance in Derby Line

The auto insurance costs in Derby Line fall around $378 for six months.
The cheapest auto insurance company in Derby Line is Union Mutual.
Teen drivers pay the highest rate in Derby Line at $461 per month.

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Cheapest Minimum Liability Car Insurance in Derby Line

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Derby Line are given below.

Union Mutual provides the cheapest minimum car insurance coverage in Derby Line. Their Average 6 Month Premium is $84. Concord is the most expensive at $276 for the same period.

Cheapest Liability Coverage in Derby Line, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$84	$14
USAA	$114	$19
American Family	$132	$22
State Farm	$144	$24
Auto-Owners	$156	$26
Vermont Mutual	$168	$28
Allstate	$204	$34
Progressive	$210	$35
Co-Op	$222	$37
Concord Group	$222	$37
Nationwide	$258	$43
Concord	$276	$46

Cheapest Full Coverage Car Insurance in Derby Line

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Derby Line is Union Mutual at $63 per month and $378 for six months.

Cheapest Full Coverage Car Insurance Quotes in Derby Line, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$378	$63
Vermont Mutual	$462	$78
USAA	$468	$79
State Farm	$534	$90
Progressive	$636	$107
Nationwide	$666	$112
Concord Group	$684	$114
Concord	$702	$119
Co-Op	$876	$146
Allstate	$912	$154

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Average Car Insurance in Derby Line by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Derby Line, VT increasing?

Despite maintaining a clean driving record, your car insurance rates in Derby Line, Vermont, may be increasing due to several external factors. Vermont has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Derby Line's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Derby Line

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Derby Line,VT

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Derby Line at $28 per month. At $2765 for a six-month premium, CoOp offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$168	$28
Auto-Owners	$210	$35
USAA	$786	$132
State Farm	$876	$147
Vermont Mutual	$882	$148
Allstate	$1308	$220
Concord	$1332	$222
Progressive	$1338	$225
Concord Group	$1361	$227
Nationwide	$2261	$385
Co-Op	$2765	$461

Teen Car Insurance Rates in VT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Derby Line, Concord Group is the cheapest car insurance provider. At $240 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Derby Line is CoOp, offering rates of around $1770 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$240	$40
American Family	$276	$46
Nationwide	$282	$47
Allstate	$720	$121
USAA	$720	$122
Vermont Mutual	$798	$134
Progressive	$1055	$180
Concord	$1248	$208
State Farm	$1272	$216
Co-Op	$1770	$295

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Car Insurance Rates with An Accident in Derby Line

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Derby Line, VT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Derby Line

The cheapest car insurance companies after an at-fault accident in Derby Line include Union Mutual and American Family, offering $84 and $162, respectively. CoOp is an expensive provider with an average six-month premium of $1272.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$84	$14
American Family	$162	$27
Auto-Owners	$222	$37
State Farm	$324	$55
USAA	$360	$61
Vermont Mutual	$444	$75
Allstate	$624	$105
Nationwide	$948	$162
Progressive	$960	$162
Concord Group	$1055	$180
Concord	$1062	$177
Co-Op	$1272	$216

Derby Line Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Derby Line VT. For example, the car insurance in Derby Line after a DUI increases to $715 for a six month policy. While the rate increases by $91 for a six-month policy in the case of a speeding ticket.

Derby Line auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$653	$109
One comp claim	$653	$111
One Med/PIP claim	$653	$109
Two Med/PIP claims	$660	$112
Not-at-fault accident	$666	$111
Two comp claims	$678	$115
At-fault accident - less than $1000	$702	$117
Child safety restraint	$714	$121
Driving without lights	$714	$119
Failure to wear a seat belt	$714	$121
Failure to show documents	$720	$120
Driving with expired registration	$738	$125
Speeding 11 - 15 MPH over limit	$744	$124
Speeding 16 - 20 MPH over limit	$744	$126
Speeding 6 - 10 MPH over limit	$744	$124
Driving too slowly	$750	$127
Speeding in school zone	$750	$125
Wrong way/wrong lane	$750	$127
Failure to stop at a red light	$755	$126
Failure to yield	$755	$128
Following too closely	$755	$126
Illegal turn	$755	$128
Improper passing	$762	$127
Speeding 21 - 25 MPH over limit	$762	$129
Cell phone violation	$816	$136
Texting while driving	$816	$138
In 65 MPH zone	$834	$139
At-fault accident - $1000-$2000	$857	$145
Passing school bus	$857	$143
At-fault accident - greater than $2000	$894	$152
Open container	$912	$152
Operating a vehicle without permission	$972	$166
Racing	$1151	$192
Reckless driving	$1151	$196
Driving with a suspended license	$1308	$218
Refusal to submit to a chemical test	$1355	$230
DUI	$1368	$228
Leaving scene of an accident/hit and run	$1392	$236

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Derby Line after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Derby Line.

The cheapest car insurance premiums in Derby Line are offered by American Family at $234 for a six-month policy. However, it can be as expensive as $2136 with companies like CoOp.

Derby Line car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$234	$39
Auto-Owners	$251	$42
State Farm	$462	$78
Progressive	$468	$79
USAA	$618	$104
Allstate	$702	$118
Concord Group	$720	$121
Concord	$1182	$201
Nationwide	$1218	$203
Vermont Mutual	$1794	$302
Co-Op	$2136	$356

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Derby Line are offered by American Family at $168. However, it can be as expensive as $846 with companies like Concord for a similar six-month premium.

Cheapest Car Insurance in Derby Line after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$168	$28
State Farm	$294	$49
Vermont Mutual	$354	$60
Allstate	$486	$82
USAA	$486	$81
Progressive	$732	$124
Co-Op	$786	$131
Concord	$846	$143

Car Insurance Price Trends in Derby Line, Vermont

Car insurance rates in Derby Line have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Derby Line remained steady at $125 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Derby Line remained steady at $29 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Derby Line?

The car insurance in Derby Line is $14 per month, which is lower than the national average.

What is the cheapest car insurance in Derby Line?

The cheapest car insurance in Derby Line is $63 per month for full coverage.

How much is car insurance in Derby Line for teenagers?

Car insurance for teenagers costs $168 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Derby Line?

The average cost of car insurance is $625 for a six-month policy. It will cost around $106 per month to insure your car in Derby Line.

Is car insurance expensive in Derby Line?

Car insurance can be expensive in Derby Line if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Derby Line can be affordable.

What is the best car insurance in Derby Line, VT?

The best car insurance company in Derby Line VT is Union Mutual, offering $378 for a six-month policy.