Best Cheap Auto Insurance in Decatur, TN (2021)

The average Decatur, TN auto insurance rates are $290 per month. The minimum auto insurance in Decatur is at least 25/50/15 in coverage to comply with Tennessee auto insurance laws. To find the best cheap auto insurance in Decatur, Tennessee, 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: Jul 16, 2021

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Things to Remember

  • The average commute length in Decatur is 24.4 minutes
  • The cheapest auto insurance company in Decatur is USAA
  • The minimum auto insurance required in Decatur, Tennessee is 25/50/15

Decatur, Tennessee auto insurance requirements are 25/50/15 according to Tennessee 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, Tennessee, including driving record, credit, commute time, and more.

Compare auto insurance in Decatur to other Tennessee cities, including Clarksville auto insurance rates, Jackson auto insurance rates, and Knoxville auto insurance rates to see how Decatur, Tennessee auto insurance rates stack up.

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

Minimum Auto Insurance in Decatur, Tennessee

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

Minimum Required Auto Insurance Coverage in Decatur, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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

Auto insurance rates in Decatur, Tennessee 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, Tennessee

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 $2,644 $2,536 $2,380 $2,470 $9,948 $10,808 $2,814 $2,912
Farmers $1,626 $1,655 $1,462 $1,601 $6,603 $7,016 $2,194 $2,322
GEICO $2,226 $2,246 $2,050 $2,050 $6,796 $6,914 $2,264 $2,335
Liberty Mutual $3,554 $129 $2,927 $3,270 $14,215 $15,793 $3,808 $4,059
Nationwide $2,080 $2,100 $1,864 $1,897 $5,607 $7,245 $2,385 $2,596
Progressive $1,717 $1,619 $1,400 $1,462 $7,715 $8,683 $2,069 $2,259
State Farm $1,663 $1,663 $1,486 $1,486 $4,926 $6,164 $1,874 $2,185
Travelers $1,689 $1,777 $1,536 $1,634 $4,683 $5,797 $1,797 $1,891
USAA $1,443 $1,467 $1,303 $1,302 $5,068 $5,838 $1,880 $1,996

Cheap Decatur, Tennessee Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Decatur, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,948 $10,808
Farmers $6,603 $7,016
GEICO $6,796 $6,914
Liberty Mutual $14,215 $15,793
Nationwide $5,607 $7,245
Progressive $7,715 $8,683
State Farm $4,926 $6,164
Travelers $4,683 $5,797
USAA $5,068 $5,838

Cheap Decatur, Tennessee Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Decatur, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,380 $2,470
Farmers $1,462 $1,601
GEICO $2,050 $2,050
Liberty Mutual $2,927 $3,270
Nationwide $1,864 $1,897
Progressive $1,400 $1,462
State Farm $1,486 $1,486
Travelers $1,536 $1,634
USAA $1,303 $1,302

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

Annual Decatur, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,818 $4,554 $5,512 $4,372
Farmers $2,612 $3,234 $3,312 $3,082
GEICO $2,443 $3,272 $5,282 $2,443
Liberty Mutual $4,846 $6,972 $6,487 $5,573
Nationwide $2,787 $2,787 $4,187 $3,126
Progressive $2,966 $3,847 $3,158 $3,491
State Farm $2,453 $2,908 $2,681 $2,681
Travelers $2,111 $2,704 $2,991 $2,595
USAA $1,850 $2,764 $3,239 $2,296

Cheap Decatur, Tennessee Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Decatur, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,512
Farmers $3,312
GEICO $5,282
Liberty Mutual $6,487
Nationwide $4,187
Progressive $3,158
State Farm $2,681
Travelers $2,991
USAA $3,239

Cheap Decatur, Tennessee Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Decatur, Tennessee

Insurance Company Poor Fair Good
Allstate $5,823 $4,459 $3,409
Farmers $3,643 $2,846 $2,692
GEICO $3,812 $3,265 $3,003
Liberty Mutual $8,565 $5,241 $4,102
Nationwide $3,874 $3,072 $2,719
Progressive $3,784 $3,263 $3,049
State Farm $3,893 $2,335 $1,813
Travelers $3,311 $2,594 $1,896
USAA $3,673 $2,157 $1,781

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Cheap Decatur, Tennessee Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Decatur, Tennessee

ZIP Code Average Annual Rates
37322 $3,526

Cheap Decatur, Tennessee Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Decatur, Tennessee

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,564 $4,564
Farmers $3,060 $3,060
GEICO $3,339 $3,381
Liberty Mutual $5,969 $5,969
Nationwide $3,222 $3,222
Progressive $3,365 $3,365
State Farm $2,619 $2,743
Travelers $2,499 $2,702
USAA $2,467 $2,607

Cheap Decatur, Tennessee Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Decatur, Tennessee

Insurance Company Low Medium High
Allstate $4,393 $4,552 $4,746
Farmers $2,884 $3,044 $3,251
GEICO $3,180 $3,350 $3,551
Liberty Mutual $5,708 $5,966 $6,234
Nationwide $3,248 $3,150 $3,267
Progressive $3,157 $3,366 $3,573
State Farm $2,556 $2,690 $2,796
Travelers $2,442 $2,598 $2,762
USAA $2,459 $2,530 $2,623

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Best By Category: Cheapest Auto Insurance in Decatur, Tennessee

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

Best Annual Auto Insurance Rates by Company in Decatur, Tennessee

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

The Cheapest Decatur, Tennessee Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Decatur, Tennessee

Insurance Company Average Annual Rates
Allstate $4,564
Farmers $3,060
GEICO $3,360
Liberty Mutual $5,969
Nationwide $3,222
Progressive $3,365
State Farm $2,681
Travelers $2,600
USAA $2,537

What affects auto insurance rates in Decatur, Tennessee?

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

Decatur Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Decatur, Tennessee commute length is 24.4 minutes according to City-Data.

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Compare Decatur, Tennessee Auto Insurance Quotes

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