How to Find Cheap Derby Auto Insurance Quotes
Derby drivers pay less than their neighbors in Wichita. For our benchmark driver, full coverage averages about $220 a month in Derby, about $21 a month below Wichita and right at the Kansas average.
Derby also has a three-way tie at the top: Farmers, State Farm and Progressive are all within $3 a month of each other for full coverage in our data.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services.
How Much Does Auto Insurance Cost in Derby, KS?
- State Minimum Liability: about $66 a month ($795 a year).
- Full Coverage: about $220 a month ($2,643 a year), about 1% below the Kansas average.
Filed-rate averages from Quadrant Information Services for one benchmark driver (single, 40, good credit, clean record, 2024 Toyota Camry LE) in Derby ZIP code 67037. Methodology.
Cost data comes from insurers’ filed auto rates across the 1 Derby ZIP code we price, compiled by Quadrant Information Services and updated as new rates are filed.
Which Company has the Cheapest Car Insurance in Derby?
- Farmers ($188 a month), State Farm ($189) and Progressive ($191) are effectively tied for the lowest full-coverage average in Derby.
- For state-minimum liability, Progressive is cheapest at about $40 a month ($476 a year), about $11 below Farm Bureau Financial Services.
- Allstate is the most expensive for full coverage at about $290 a month.
These are prices for Derby ZIP code 67037 and the 6 insurers in our Kansas data. Travelers and GEICO, listed at the bottom, often come in lower still.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| Farmers | $863 | $72 | $2,251 | $188 |
| State Farm | $654 | $55 | $2,262 | $189 |
| Progressive | $476 | $40 | $2,286 | $191 |
| American Family | $965 | $80 | $2,559 | $213 |
| Farm Bureau Financial Services | $617 | $51 | $3,027 | $252 |
| Allstate | $1,192 | $99 | $3,474 | $290 |
| Travelers* | $556 | $46 | $1,945 | $162 |
| GEICO* | $474 | $40 | $2,064 | $172 |
| Shelter* | $892 | $74 | $2,528 | $211 |
Derby vs. Wichita and Other Suburbs
In our data, full coverage averages about $220 a month in Derby versus $241 in Wichita. Goddard is slightly cheaper at about $218, while Andover ($225), Mulvane ($231) and Haysville ($237) cost more.
For minimum coverage, Derby averages about $66 a month, a little above the Kansas average of $63 but about $7 below Wichita.
Upgrading liability to 100/300/100 costs about $7 a month more than 50/100/50.
Nearby Kansas city guides: same driver, same coverage, filed rates as of August 31, 2026.
Every Kansas city we price is in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
How Much Car Insurance Do I Need in Kansas?
Though you may need higher coverage, here are the minimum car insurance requirements in Kansas if you are looking for state minimum liability coverage you’ll need:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- Personal injury protection (PIP): $4,500 per person for medical care, $900 a month for up to a year of lost income, $4,500 for rehabilitation, $2,000 for funeral costs and $25 a day for in-home help
- Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident
Minimum coverage costs about $66 a month in Derby and covers only the damage you cause others. Full coverage runs about $154 a month more in our data and is what pays for hail, theft and your own collision repairs.
How to Save Money on Your Auto Policy
With three insurers tied at the top, Derby is a place where comparing quotes really pays:
- Quote Farmers, State Farm and Progressive: They were within $3 a month of each other for full coverage, so your own details will decide the winner.
- Use Progressive as a minimum-coverage benchmark: It was about $11 a month below the next insurer for state minimum in our Derby data.
- Report your commute into Wichita: Accurate mileage helps you get an accurate rate, and low mileage can earn a discount.
- Keep comprehensive for hail: South-central Kansas sees frequent spring hail.
- Bundle and review every year: A multi-policy discount plus an annual re-shop keeps you from overpaying.
In Derby (ZIP 67037), a 40-year-old with a clean record pays about $220 a month ($2,643 a year) for full coverage and $66 for state-minimum liability, based on insurers’ filed rates as of August 31, 2026. That’s about $21 a month less than Wichita. Farmers, State Farm and Progressive are effectively tied for the lowest full-coverage average in our data.
Bundling helps too. Most insurers take a percentage off both policies when you insure your car and home together, so check Kansas home insurance rates as well.
How We Calculated Derby Car Insurance Rates
InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.
- Sample: 14 quotes (7 full coverage and 7 state minimum) from 7 insurance companies, grouped into 6 brands, in ZIP code 67037, which covers Derby.
- Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the coverage Kansas requires: 25/50/25 liability, PIP and uninsured/underinsured motorist coverage.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the city’s ZIP codes. The city average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Kansas coverage requirements come from the Kansas Insurance Department’s auto shopper’s guide. We refresh these figures when new filed-rate data is released.
About $220 a month ($2,643 a year) for full coverage and $66 a month ($795 a year) for state-minimum coverage, for our benchmark 40-year-old driver in ZIP code 67037, based on filed rates as of August 31, 2026.
Kansas requires 25/50/25 liability ($25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage), personal injury protection with at least $4,500 per person in medical benefits, and uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident. Driving uninsured can lead to fines and suspension of your license and registration.
Yes. Kansas is a no-fault state, so after a crash your own PIP coverage pays your medical bills and part of your lost income first, regardless of fault. You can step outside no-fault and sue for pain and suffering only if medical treatment reaches $2,000 or the injury is serious, such as a permanent injury or a fracture to a weight-bearing bone.
Farmers ($188 a month), State Farm ($189) and Progressive ($191) are effectively tied for full coverage in our data, and Progressive is cheapest for minimum coverage at about $40 a month. Travelers and GEICO often undercut these prices in Kansas, so compare quotes from several companies before you buy. Compare cities on our Kansas car insurance rates page.
Yes. Full coverage averages about $220 a month in Derby versus $241 in Wichita in our data, about $245 a year less for the same driver.
Because the top three insurers are so close, small details like discounts or your driving record can decide which is cheapest. Get several quotes and keep comprehensive for hail season.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
