Best Decatur, AL Car Insurance in 2025
Car insurance in Decatur, AL averages $291 a month. Decatur, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Decatur car insurance rates, compare quotes from the top car insurance companies in Decatur, AL.
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Table of Contents
Table of Contents
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Benjamin Carr
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated October 2024
- The cheapest car insurance company in Decatur for teen drivers is USAA
- The cheapest ZIP code in Decatur is 35601
- Average car insurance rates in Decatur, AL after a DUI are $3,981/year
If you need to buy Decatur, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Decatur, AL is right here.
You’ll find Decatur car insurance rates, the cheapest Decatur, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Decatur, Alabama car insurance rates to Montgomery car insurance rates, Birmingham car insurance rates, and Hoover car insurance rates.
Ready to find affordable Decatur, AL car insurance today? Enter your ZIP code for fast, free Decatur car insurance quotes.
Cheapest Decatur, AL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Decatur, AL car insurance rates? Every Decatur, Alabama car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,917 | $1,833 | $1,727 | $1,761 | $6,485 | $6,965 | $2,162 | $2,217 |
| Farmers | $2,265 | $2,248 | $2,024 | $2,150 | $8,778 | $9,030 | $2,576 | $2,678 |
| Geico | $1,887 | $1,878 | $1,810 | $1,872 | $4,963 | $4,863 | $1,985 | $1,837 |
| Liberty Mutual | $2,997 | $3,235 | $2,455 | $2,745 | $11,161 | $12,409 | $3,186 | $3,388 |
| Nationwide | $1,659 | $1,678 | $1,516 | $1,566 | $4,373 | $5,611 | $1,840 | $2,051 |
| Progressive | $2,190 | $2,043 | $1,801 | $1,924 | $9,249 | $10,307 | $2,562 | $2,727 |
| State Farm | $2,705 | $2,705 | $2,463 | $2,463 | $8,429 | $10,530 | $3,062 | $3,544 |
| Travelers | $1,339 | $1,358 | $1,264 | $1,259 | $7,264 | $11,462 | $1,269 | $1,436 |
| USAA | $1,261 | $1,276 | $1,178 | $1,150 | $3,789 | $4,195 | $1,642 | $1,766 |
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Minimum Car Insurance in Decatur, AL
Every driver must carry the minimum car insurance required by the state in Decatur, AL. Take a look at the Alabama car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Decatur, AL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Decatur, AL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Decatur from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,878 | $3,037 | $2,484 |
| Farmers | $4,448 | $3,829 | $3,628 |
| Geico | $3,353 | $2,393 | $2,165 |
| Liberty Mutual | $7,432 | $4,572 | $3,587 |
| Nationwide | $3,058 | $2,389 | $2,162 |
| Progressive | $4,610 | $3,973 | $3,718 |
| State Farm | $7,277 | $3,683 | $2,502 |
| Travelers | $3,630 | $3,152 | $3,213 |
| USAA | $2,728 | $1,779 | $1,589 |
Cheapest Decatur, AL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Decatur, AL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,677 | $3,143 | $3,701 | $3,012 |
| Farmers | $3,337 | $4,320 | $4,214 | $4,002 |
| Geico | $1,776 | $2,863 | $3,548 | $2,362 |
| Liberty Mutual | $4,074 | $5,682 | $5,543 | $5,490 |
| Nationwide | $2,225 | $2,225 | $3,219 | $2,478 |
| Progressive | $3,694 | $4,667 | $3,991 | $4,049 |
| State Farm | $4,034 | $5,042 | $4,437 | $4,437 |
| Travelers | $2,776 | $2,912 | $4,263 | $3,376 |
| USAA | $1,563 | $1,965 | $2,909 | $1,690 |
Cheapest Decatur, AL Car Insurance for Teen Drivers
Teen car insurance in Decatur, AL can be expensive. Take a look at rates from the top car insurance companies in Decatur for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,485 | $6,965 |
| Farmers | $8,778 | $9,030 |
| Geico | $4,963 | $4,863 |
| Liberty Mutual | $11,161 | $12,409 |
| Nationwide | $4,373 | $5,611 |
| Progressive | $9,249 | $10,307 |
| State Farm | $8,429 | $10,530 |
| Travelers | $7,264 | $11,462 |
| USAA | $3,789 | $4,195 |
Cheapest Decatur, AL Car Insurance for Seniors
Take a look at Decatur, AL rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,727 | $1,761 |
| Farmers | $2,024 | $2,150 |
| Geico | $1,810 | $1,872 |
| Liberty Mutual | $2,455 | $2,745 |
| Nationwide | $1,516 | $1,566 |
| Progressive | $1,801 | $1,924 |
| State Farm | $2,463 | $2,463 |
| Travelers | $1,264 | $1,259 |
| USAA | $1,178 | $1,150 |
Cheapest Decatur, AL Car Insurance Rates After a DUI
A DUI in Decatur, AL increases car insurance rates. Compare Decatur, Alabama car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,701 |
| Farmers | $4,214 |
| Geico | $3,548 |
| Liberty Mutual | $5,543 |
| Nationwide | $3,219 |
| Progressive | $3,991 |
| State Farm | $4,437 |
| Travelers | $4,263 |
| USAA | $2,909 |
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Cheapest Decatur, AL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Decatur, AL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,133 | $3,133 |
| Farmers | $3,968 | $3,968 |
| Geico | $2,591 | $2,683 |
| Liberty Mutual | $5,197 | $5,197 |
| Nationwide | $2,537 | $2,537 |
| Progressive | $4,100 | $4,100 |
| State Farm | $4,379 | $4,596 |
| Travelers | $3,332 | $3,332 |
| USAA | $1,939 | $2,125 |
Cheapest Decatur, AL Car Insurance Rates by ZIP Code
Decatur car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Decatur, AL.
| ZIP Code | Average Annual Rates |
|---|---|
| 35601 | $3,551 |
| 35603 | $3,618 |
The Best Cheap Car Insurance Companies in Decatur, AL
Take a look at a side-by-side comparison of the top car insurance companies in Decatur, AL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,133 |
| Farmers | $3,968 |
| Geico | $2,637 |
| Liberty Mutual | $5,197 |
| Nationwide | $2,537 |
| Progressive | $4,100 |
| State Farm | $4,488 |
| Travelers | $3,332 |
| USAA | $2,032 |
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Category Winners: Cheapest Car Insurance in Decatur, Alabama
Find the cheapest car insurance companies in Decatur, AL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Decatur, AL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Decatur car insurance rates. Find the cheapest Decatur, AL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,033 | $3,128 | $3,239 |
| Farmers | $3,747 | $3,917 | $4,241 |
| Geico | $2,419 | $2,624 | $2,868 |
| Liberty Mutual | $4,954 | $5,172 | $5,465 |
| Nationwide | $2,518 | $2,516 | $2,576 |
| Progressive | $3,667 | $4,080 | $4,554 |
| State Farm | $4,232 | $4,482 | $4,749 |
| Travelers | $3,145 | $3,398 | $3,452 |
| USAA | $1,959 | $2,021 | $2,116 |
What affects car insurance rates in Decatur, Alabama?
What are the factors that affect car insurance rates in Decatur, AL? There are several reasons why Decatur car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Decatur, Alabama.
Car Theft in Decatur
High levels of vehicle theft can make car insurance more expensive. Decatur, AL car theft statistics from the FBI indicate 171 vehicle thefts a year.
Commute Time in Decatur
The more time you spend in your car the higher the risk of an accident. The average commute length in Decatur, AL is 19.0 minutes according to City-Data.
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Compare Car Insurance Quotes in Decatur, AL
Ready to find affordable Decatur, Alabama car insurance today? Enter your ZIP code for fast, free Decatur, AL car insurance quotes.
Frequently Asked Questions
How much is the average car insurance rate in Decatur, AL?
The average car insurance rate in Decatur, AL is $291 per month.
How can I find cheap car insurance rates in Decatur, AL?
To find cheap car insurance rates in Decatur, AL, compare quotes from different insurance companies.
How does my driving record affect car insurance rates in Decatur, AL?
A bad driving record can lead to higher car insurance rates in Decatur, AL. It’s best to maintain a clean driving record to get better rates.
What factors affect car insurance rates in Decatur, AL?
Factors such as age, gender, marital status, credit score, and commute length can influence car insurance rates in Decatur, AL.
How can I get affordable car insurance as a senior driver in Decatur, AL?
As a senior driver in Decatur, AL, you can find affordable car insurance rates by shopping around and comparing quotes from different insurance companies.
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