Best Cheap Auto Insurance in Decatur, AL (2021)

The average Decatur, AL auto insurance rates are $291 per month. The minimum auto insurance in Decatur is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Decatur, Alabama, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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Things to Remember

  • Average auto insurance rates in Decatur, AL for senior drivers are $1,841 per year
  • The cheapest auto insurance company in Decatur is USAA
  • The average commute length in Decatur is 19.0 minutes

Decatur, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Decatur can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Decatur, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Decatur to other Alabama cities, including Tuscaloosa auto insurance rates, Auburn auto insurance rates, and Dothan auto insurance rates to see how Decatur, Alabama auto insurance rates stack up.

Before you buy Decatur, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Decatur, Alabama auto insurance quotes.

Minimum Auto Insurance in Decatur, Alabama

Decatur, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Decatur, Alabama.

Minimum Required Auto Insurance Coverage in Decatur, Alabama

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

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Cheap Decatur, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Decatur, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Decatur, Alabama

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

Cheap Decatur, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Decatur, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Decatur, Alabama.

Annual Auto Insurance Rates for Teen Drivers in Decatur, Alabama

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

Cheap Decatur, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Decatur, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Decatur, Alabama

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

Cheap Decatur, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Decatur, Alabama compared to the annual auto insurance rates with a clean record in Decatur, Alabama.

Annual Decatur, Alabama Auto Insurance Rates by Driving Record

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

Cheap Decatur, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Decatur, Alabama is not easy. Compare the annual rates for DUI auto insurance in Decatur, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Decatur, Alabama

Insurance Company Annual Auto 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

Cheap Decatur, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Decatur, Alabama annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Decatur, Alabama

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

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Cheap Decatur, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Decatur, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Decatur, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Decatur, Alabama

ZIP Code Average Annual Rates
35601 $3,551
35603 $3,618

Cheap Decatur, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Decatur, Alabama auto insurance. Find the cheapest annual Decatur, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Decatur, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Decatur, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Decatur, Alabama? Check out the comparison of annual Decatur, Alabama auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Decatur, Alabama

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

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Best By Category: Cheapest Auto Insurance in Decatur, Alabama

Compare the cheapest auto insurance companies in Decatur, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Decatur, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Decatur, Alabama Auto Insurance Companies

What auto insurance companies in Decatur, Alabama are the cheapest? Compare the top Decatur, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Decatur, Alabama

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

What affects auto insurance rates in Decatur, Alabama?

There are a lot of reasons why auto insurance rates in Decatur, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Decatur, Alabama. Many local factors may affect your Decatur auto insurance rates.

Decatur Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Decatur, Alabama auto theft statistics, there have been 171 auto thefts in the city.

Decatur Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Decatur, Alabama commute length is 19.0 minutes according to City-Data.

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Compare Decatur, Alabama Auto Insurance Quotes

Before you buy Decatur, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Decatur, Alabama auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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