Cheapest car insurance companies in Decatur 

Travelers and Nationwide offer the cheapest car insurance rates in Decatur for 2023, according to a study by Insurance.com.

The car insurance company in Decatur that provides the cheapest car insurance premiums is Travelers, with an average annual rate of $1,299 .

Car insurance costs may vary in Decatur based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Decatur.

CompaniesAverage annual rates
Travelers$1,299
Nationwide$1,319
USAA$1,405
Geico$1,475
Country Financial$1,542
State Farm$1,613
Auto-Owners$1,794
Allstate$2,084
Progressive$2,089
Farmers$2,379

Cheapest car insurance cost in Decatur by Age Group 

In Decatur, Country Financial is the cheapest car insurance company for teenagers, offering full coverage policies at $3,140 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. 

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

For young drivers in Decatur, Travelers has the cheapest auto insurance rates, with an average annual cost of $2,026 annually

For Decatur drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Nationwide provides the cheapest car insurance premiums, offering full coverage policies at $1,308 annually

With an average annual premium of $1,233, Nationwide offers Decatur's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel. 

CompanyTeensYoung AdultsAdultsSeniors
Country Financial$3,140$2,217$1,567$1,472
Geico$3,874$2,071$1,466$1,429
USAA$3,958$2,203$1,446$1,467
Travelers$4,088$2,026$1,326$1,342
State Farm$4,661$2,698$1,627$1,576
Nationwide$4,907$2,260$1,308$1,233
Auto-Owners$5,062$3,093$1,827$1,901
Allstate$7,010$3,024$2,066$2,124
Progressive$9,197$3,384$2,093$2,070
Farmers$10,295$3,036$2,255$2,447

Cheapest car insurance companies in Decatur by driver profile 

Car insurance rates in Decatur 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

Finding the cheapest car insurance in Decatur requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit. 

Here are some of the cheapest car insurance companies in Decatur based on driver profile. 

Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Decatur drivers is $1,502

Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Decatur.

CompanyAverage annual rates
Nationwide$1,502
Geico$1,578
USAA$2,008
Travelers$2,022
Allstate$2,460
Progressive$2,844
Farmers$3,117
State Farm$4,675

Based on recent data analysis, 30-year-old drivers in Decatur with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,343.

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

CompanyAverage annual premium
USAA$1,343
Nationwide$1,503
State Farm$1,590
Allstate$1,647
Travelers$1,717
Geico$1,824
Progressive$2,209
Farmers$2,647

According to Insurance.com's analysis, Nationwide tops the list of cheap car insurance providers in Decatur for drivers involved in at-fault accidents, with an average annual cost of $1,767. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget. 

CompanyAverage annual rates
Nationwide$1,767
State Farm$1,777
Travelers$1,806
USAA$1,997
Geico$2,012
Allstate$2,433
Progressive$3,053
Farmers$3,073

Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Decatur for drivers with a DUI, with an average annual premium of $1,590.

A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums. 

CompanyAverage annual rates
State Farm$1,590
Allstate$2,159
Travelers$2,184
Nationwide$2,424
Geico$2,432
Progressive$2,443
USAA$2,555
Farmers$3,186

Average car insurance cost in Decatur 

On average, Decatur drivers pay $1,700 annually, or $142 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 Decatur is $428.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState minimum average
$1,700$428

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.