Compare Decatur, IL Car Insurance Rates [2023]
Car insurance in Decatur, IL averages $266 a month. Decatur, Illinois car insurance requirements are 25/50/20, 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, IL.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 16, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 16, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Decatur is 62522
- Average car insurance rates in Decatur, IL are $3,191/year
- Average car insurance rates in Decatur, IL after a DUI are $3,724/year
If you need to buy Decatur, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Decatur, IL is right here.
You’ll find Decatur car insurance rates, the cheapest Decatur, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Decatur, Illinois car insurance rates to Aurora car insurance rates, Cicero car insurance rates, and Peoria car insurance rates.
Ready to find affordable Decatur, IL car insurance today? Enter your ZIP code for fast, free Decatur car insurance quotes.
Cheapest Decatur, IL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Decatur, IL car insurance rates? Every Decatur, Illinois 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 | $3,212 | $3,227 | $3,361 | $3,361 | $8,406 | $10,924 | $3,862 | $4,175 |
| American Family | $2,269 | $2,269 | $2,080 | $2,080 | $6,460 | $8,937 | $2,269 | $2,929 |
| Farmers | $2,392 | $2,392 | $2,117 | $2,244 | $10,518 | $10,974 | $2,733 | $2,851 |
| Geico | $1,605 | $1,632 | $1,555 | $1,893 | $4,884 | $5,058 | $2,024 | $1,916 |
| Liberty Mutual | $1,322 | $1,425 | $1,099 | $1,228 | $4,398 | $4,890 | $1,380 | $1,453 |
| Nationwide | $1,810 | $1,840 | $1,612 | $1,705 | $5,022 | $6,432 | $2,113 | $2,285 |
| Progressive | $1,901 | $1,783 | $1,570 | $1,654 | $7,004 | $7,848 | $2,248 | $2,411 |
| State Farm | $1,510 | $1,510 | $1,361 | $1,361 | $4,481 | $5,676 | $1,710 | $1,968 |
| Travelers | $1,467 | $1,547 | $1,354 | $1,442 | $4,342 | $5,504 | $1,548 | $1,630 |
| USAA | $1,751 | $1,774 | $1,631 | $1,599 | $5,810 | $6,392 | $2,313 | $2,529 |
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Minimum Car Insurance in Decatur, IL
Every driver must carry the minimum car insurance required by the state in Decatur, IL. Take a look at the Illinois 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 | $20,000 minimum |
Cheapest Decatur, IL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Decatur, IL. 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 | $6,447 | $4,668 | $4,083 |
| American Family | $4,865 | $3,316 | $2,805 |
| Farmers | $5,134 | $4,330 | $4,118 |
| Geico | $4,123 | $2,017 | $1,573 |
| Liberty Mutual | $3,032 | $1,900 | $1,515 |
| Nationwide | $3,400 | $2,751 | $2,407 |
| Progressive | $3,766 | $3,193 | $2,948 |
| State Farm | $3,556 | $2,131 | $1,654 |
| Travelers | $2,867 | $2,317 | $1,879 |
| USAA | $3,953 | $2,724 | $2,248 |
Cheapest Decatur, IL 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, IL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,597 | $6,163 | $5,753 | $4,752 |
| American Family | $2,691 | $3,826 | $5,079 | $3,052 |
| Farmers | $3,821 | $4,934 | $4,811 | $4,544 |
| Geico | $1,872 | $2,601 | $3,469 | $2,342 |
| Liberty Mutual | $1,792 | $2,540 | $2,232 | $2,032 |
| Nationwide | $2,302 | $2,974 | $3,493 | $2,641 |
| Progressive | $2,718 | $4,044 | $3,017 | $3,430 |
| State Farm | $2,226 | $2,668 | $2,447 | $2,447 |
| Travelers | $1,869 | $2,450 | $2,755 | $2,344 |
| USAA | $2,110 | $3,054 | $4,186 | $2,548 |
Cheapest Decatur, IL Car Insurance for Teen Drivers
Teen car insurance in Decatur, IL 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 | $8,406 | $10,924 |
| American Family | $6,460 | $8,937 |
| Farmers | $10,518 | $10,974 |
| Geico | $4,884 | $5,058 |
| Liberty Mutual | $4,398 | $4,890 |
| Nationwide | $5,022 | $6,432 |
| Progressive | $7,004 | $7,848 |
| State Farm | $4,481 | $5,676 |
| Travelers | $4,342 | $5,504 |
| USAA | $5,810 | $6,392 |
Cheapest Decatur, IL Car Insurance for Seniors
Take a look at Decatur, IL 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 | $3,361 | $3,361 |
| American Family | $2,080 | $2,080 |
| Farmers | $2,117 | $2,244 |
| Geico | $1,555 | $1,893 |
| Liberty Mutual | $1,099 | $1,228 |
| Nationwide | $1,612 | $1,705 |
| Progressive | $1,570 | $1,654 |
| State Farm | $1,361 | $1,361 |
| Travelers | $1,354 | $1,442 |
| USAA | $1,631 | $1,599 |
Cheapest Decatur, IL Car Insurance Rates After a DUI
A DUI in Decatur, IL increases car insurance rates. Compare Decatur, Illinois car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,753 |
| American Family | $5,079 |
| Farmers | $4,811 |
| Geico | $3,469 |
| Liberty Mutual | $2,232 |
| Nationwide | $3,493 |
| Progressive | $3,017 |
| State Farm | $2,447 |
| Travelers | $2,755 |
| USAA | $4,186 |
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Cheapest Decatur, IL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Decatur, IL 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 | $5,066 | $5,066 |
| American Family | $3,615 | $3,709 |
| Farmers | $4,528 | $4,528 |
| Geico | $2,525 | $2,617 |
| Liberty Mutual | $2,149 | $2,149 |
| Nationwide | $2,852 | $2,852 |
| Progressive | $3,302 | $3,302 |
| State Farm | $2,384 | $2,510 |
| Travelers | $2,262 | $2,446 |
| USAA | $2,891 | $3,058 |
Cheapest Decatur, IL 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, IL.
| ZIP Code | Average Annual Rates |
|---|---|
| 62521 | $3,153 |
| 62522 | $3,140 |
| 62523 | $3,183 |
| 62526 | $3,145 |
The Best Cheap Car Insurance Companies in Decatur, IL
Take a look at a side-by-side comparison of the top car insurance companies in Decatur, IL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,066 |
| American Family | $3,662 |
| Farmers | $4,528 |
| Geico | $2,571 |
| Liberty Mutual | $2,149 |
| Nationwide | $2,852 |
| Progressive | $3,302 |
| State Farm | $2,447 |
| Travelers | $2,354 |
| USAA | $2,975 |
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Category Winners: Cheapest Car Insurance in Decatur, Illinois
Find the cheapest car insurance companies in Decatur, IL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | Liberty Mutual |
| With 1 Accident | Travelers |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
Cheapest Decatur, IL 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, IL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,917 | $5,061 | $5,220 |
| American Family | $3,519 | $3,796 | $3,670 |
| Farmers | $4,297 | $4,415 | $4,871 |
| Geico | $2,321 | $2,562 | $2,830 |
| Liberty Mutual | $2,030 | $2,145 | $2,273 |
| Nationwide | $2,837 | $2,877 | $2,843 |
| Progressive | $2,957 | $3,283 | $3,667 |
| State Farm | $2,297 | $2,451 | $2,593 |
| Travelers | $2,184 | $2,351 | $2,528 |
| USAA | $2,766 | $2,972 | $3,186 |
What affects car insurance rates in Decatur, Illinois?
What are the factors that affect car insurance rates in Decatur, IL? 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, Illinois.
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, IL is 16.5 minutes according to City-Data.
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Compare Car Insurance Quotes in Decatur, IL
Ready to find affordable Decatur, Illinois car insurance today? Enter your ZIP code for fast, free Decatur, IL car insurance quotes.
Frequently Asked Questions
What factors can affect car insurance rates in Decatur, IL?
Several factors can impact car insurance rates in Decatur, IL. These include your age, driving record, the type of vehicle you drive, your credit history, the coverage options you choose, and the deductible amount. Additionally, factors such as the local crime rate, population density, and traffic conditions in Decatur may also influence insurance rates.
What are the minimum car insurance requirements in Decatur, IL?
In Decatur, IL, the minimum car insurance requirements are the same as the state of Illinois. The state law mandates a minimum coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident. It’s important to note that these are the minimum requirements, and it’s often recommended to consider higher coverage limits for better protection.
Are there any specific insurance considerations for Decatur, IL?
Decatur, IL is located in Macon County. When considering car insurance in Decatur, it’s important to be aware of any specific risks associated with the area, such as weather-related incidents like storms or tornadoes. Additionally, factors like the local crime rate and traffic patterns may also impact insurance rates.
How can I find affordable car insurance in Decatur, IL?
To find affordable car insurance in Decatur, IL, it’s important to shop around and compare quotes from different insurance providers. Consider factors such as coverage options, deductibles, and available discounts. Maintaining a good driving record, bundling your car insurance with other policies, and taking advantage of discounts, such as safe driver or multi-vehicle discounts, can also help lower your insurance premiums.
What discounts are available for car insurance in Decatur, IL?
Insurance providers in Decatur, IL may offer various discounts for car insurance. Common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for vehicles equipped with safety features such as anti-lock brakes or airbags. It’s advisable to check with insurance providers to see which discounts may apply to you.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.