Cheapest car insurance companies in Decatur
A recent data analysis by Insurance.com found the cheapest car insurance companies are Travelers and Nationwide in Decatur for 2023.
Travelers is the cheapest option for most Decatur drivers, with an average annual rate of $1,299 .
The cost of car insurance in Decatur varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Decatur.
| Companies | Average 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
Country Financial stands out as Decatur's cheapest auto insurance company for teen drivers at an average annual of $3,140. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
For young drivers in Decatur, Travelers has the cheapest auto insurance rates, with an average annual cost of $2,026 annually.
As Decatur drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Nationwide stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,308.
Nationwide is the cheapest option for senior drivers in Decatur, with an average premium of $1,233 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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.
When it comes to finding the cheapest car insurance rates in Decatur, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.
Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Decatur drivers based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: Nationwide
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Decatur drivers is $1,502.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Decatur.
| Company | Average 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 |
Cheapest for drivers with a speeding ticket: USAA
USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Decatur. Its full coverage car insurance policy costs an average of $1,343 per year for drivers aged 30.
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 |
|---|---|
| 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 |
Cheapest auto insurance after an at-fault accident: Nationwide
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Decatur with at-fault accidents on their driving records can find the cheapest car insurance rates with Nationwide. Its full coverage policy costs an average of $1,767 annually.
| Company | Average 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 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Decatur. On average, its annual full coverage rate is $1,590, making it a significantly cheaper option than other insurance providers.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average 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
Full coverage car insurance in Decatur for a coverage limit of 100/300/100 is $1,700 per year or $142 per month, while the state minimum coverage costs an average of $428 a year.
Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.
| Average annual Rates | State 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.
