Best Cheap Auto Insurance in Decatur, MI (2021)

The average Decatur, MI auto insurance rates are $785 per month. The minimum auto insurance in Decatur is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Decatur, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Decatur is USAA
  • Average auto insurance rates in Decatur, MI for senior drivers are $6,242 per year
  • The minimum auto insurance required in Decatur, Michigan is 20/40/10

Decatur, Michigan auto insurance requirements are 20/40/10 according to Michigan 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, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Decatur to other Michigan cities, including Sterling Heights auto insurance rates, Troy auto insurance rates, and Warren auto insurance rates to see how Decatur, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Decatur, Michigan

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

Minimum Required Auto Insurance Coverage in Decatur, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Decatur, Michigan 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, Michigan

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 $17,397 $17,397 $16,186 $16,186 $42,762 $42,762 $18,321 $18,321
Farmers $4,080 $4,080 $3,810 $3,810 $9,089 $9,089 $4,582 $4,582
GEICO $3,901 $3,901 $3,989 $3,989 $11,125 $11,125 $3,732 $3,732
Liberty Mutual $13,713 $13,713 $13,578 $13,578 $32,196 $32,196 $13,713 $13,713
Nationwide $3,952 $3,952 $3,509 $3,509 $10,781 $10,781 $4,352 $4,352
Progressive $2,959 $2,768 $2,615 $2,899 $10,915 $11,706 $3,453 $3,232
State Farm $6,534 $6,534 $6,052 $6,052 $22,723 $22,723 $7,663 $7,663
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,665 $2,527 $2,506 $2,368 $6,557 $6,240 $3,256 $3,127

Cheap Decatur, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Decatur, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $42,762 $42,762
Farmers $9,089 $9,089
GEICO $11,125 $11,125
Liberty Mutual $32,196 $32,196
Nationwide $10,781 $10,781
Progressive $10,915 $11,706
State Farm $22,723 $22,723
Travelers $13,395 $13,395
USAA $6,557 $6,240

Cheap Decatur, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Decatur, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,186 $16,186
Farmers $3,810 $3,810
GEICO $3,989 $3,989
Liberty Mutual $13,578 $13,578
Nationwide $3,509 $3,509
Progressive $2,615 $2,899
State Farm $6,052 $6,052
Travelers $3,858 $3,858
USAA $2,506 $2,368

Cheap Decatur, Michigan 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, Michigan compared to the annual auto insurance rates with a clean record in Decatur, Michigan.

Annual Decatur, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,500 $15,393 $51,665 $16,108
Farmers $4,534 $5,770 $5,701 $5,556
GEICO $1,986 $4,235 $12,835 $3,691
Liberty Mutual $12,709 $15,412 $28,745 $16,333
Nationwide $4,850 $6,442 $5,857 $5,446
Progressive $4,308 $5,637 $5,069 $5,259
State Farm $6,869 $8,216 $17,648 $10,238
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,939 $3,669 $4,811 $3,204

Cheap Decatur, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Decatur, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $51,665
Farmers $5,701
GEICO $12,835
Liberty Mutual $28,745
Nationwide $5,857
Progressive $5,069
State Farm $17,648
Travelers $10,331
USAA $4,811

Cheap Decatur, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Decatur, Michigan

Insurance Company Poor Fair Good
Allstate $35,987 $19,888 $15,125
Farmers $7,132 $4,702 $4,337
GEICO $7,311 $5,375 $4,374
Liberty Mutual $28,944 $16,719 $9,237
Nationwide $7,030 $5,351 $4,565
Progressive $5,834 $4,922 $4,450
State Farm $17,415 $8,819 $5,994
Travelers $6,813 $6,608 $6,525
USAA $5,473 $3,119 $2,376

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Cheap Decatur, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Decatur, Michigan

ZIP Code Average Annual Rates
49045 $6,593

Cheap Decatur, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Decatur, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $23,666 $23,666
Farmers $5,390 $5,390
GEICO $5,558 $5,815
Liberty Mutual $17,672 $18,928
Nationwide $5,649 $5,649
Progressive $5,068 $5,068
State Farm $10,453 $11,032
Travelers $6,611 $6,686
USAA $3,614 $3,698

Cheap Decatur, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Decatur, Michigan

Insurance Company Low Medium High
Allstate $23,014 $23,725 $24,260
Farmers $5,239 $5,376 $5,555
GEICO $5,308 $5,635 $6,117
Liberty Mutual $17,826 $18,254 $18,820
Nationwide $5,889 $5,558 $5,499
Progressive $4,910 $5,076 $5,220
State Farm $10,210 $10,809 $11,210
Travelers $6,575 $6,656 $6,715
USAA $3,544 $3,665 $3,758

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Best By Category: Cheapest Auto Insurance in Decatur, Michigan

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

Best Annual Auto Insurance Rates by Company in Decatur, Michigan

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

The Cheapest Decatur, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Decatur, Michigan

Insurance Company Average Annual Rates
Allstate $23,666
Farmers $5,390
GEICO $5,687
Liberty Mutual $18,300
Nationwide $5,649
Progressive $5,068
State Farm $10,743
Travelers $6,649
USAA $3,656

What affects auto insurance rates in Decatur, Michigan?

There are a lot of reasons why auto insurance rates in Decatur, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Decatur, Michigan. 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, Michigan auto theft statistics, there have been 7 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, Michigan commute length is 21.3 minutes according to City-Data.

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Compare Decatur, Michigan Auto Insurance Quotes

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