Best Cheap Auto Insurance in Decatur, TX (2021)

The average Decatur, TX auto insurance rates are $315 per month. The minimum auto insurance in Decatur is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Decatur, Texas, 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: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Decatur, TX for senior drivers are $2,303 per year
  • The minimum auto insurance required in Decatur, Texas is 30/60/25
  • The most expensive auto insurance company in Decatur for teen drivers is Progressive

Decatur, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Decatur to other Texas cities, including Laredo auto insurance rates, El Paso auto insurance rates, and San Antonio auto insurance rates to see how Decatur, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Decatur, Texas

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

Minimum Required Auto Insurance Coverage in Decatur, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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

Auto insurance rates in Decatur, Texas 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, Texas

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 $3,573 $3,603 $3,531 $3,531 $9,366 $11,294 $4,407 $4,584
American Family $2,310 $2,561 $2,153 $2,453 $5,969 $7,825 $3,281 $3,737
GEICO $2,662 $2,853 $2,526 $2,830 $5,789 $6,044 $2,884 $2,906
Nationwide $2,433 $2,475 $2,150 $2,277 $6,875 $8,832 $2,856 $3,091
Progressive $2,467 $2,359 $2,186 $2,236 $10,080 $11,217 $2,929 $2,977
State Farm $1,928 $1,928 $1,716 $1,716 $4,629 $5,903 $2,096 $2,163
USAA $1,547 $1,557 $1,475 $1,465 $4,327 $4,719 $2,060 $2,212

Cheap Decatur, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Decatur, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,366 $11,294
American Family $5,969 $7,825
GEICO $5,789 $6,044
Nationwide $6,875 $8,832
Progressive $10,080 $11,217
State Farm $4,629 $5,903
USAA $4,327 $4,719

Cheap Decatur, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Decatur, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,531 $3,531
American Family $2,153 $2,453
GEICO $2,526 $2,830
Nationwide $2,150 $2,277
Progressive $2,186 $2,236
State Farm $1,716 $1,716
USAA $1,475 $1,465

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

Annual Decatur, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,263 $6,580 $6,840 $4,263
American Family $3,458 $4,379 $3,848 $3,458
GEICO $3,020 $3,975 $3,354 $3,898
Nationwide $3,359 $3,359 $4,980 $3,795
Progressive $3,976 $5,116 $4,645 $4,488
State Farm $2,452 $2,813 $3,323 $2,452
USAA $1,807 $2,662 $3,139 $2,074

Cheap Decatur, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Decatur, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,840
American Family $3,848
GEICO $3,354
Nationwide $4,980
Progressive $4,645
State Farm $3,323
USAA $3,139

Cheap Decatur, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Decatur, Texas

Insurance Company Poor Fair Good
Allstate $6,992 $5,103 $4,364
American Family $5,225 $3,270 $2,864
GEICO $5,508 $3,110 $2,068
Nationwide $4,651 $3,730 $3,240
Progressive $5,143 $4,428 $4,098
State Farm $3,908 $2,433 $1,939
USAA $3,563 $2,051 $1,648

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Cheap Decatur, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Decatur, Texas

ZIP Code Average Annual Rates
76234 $5,565

Cheap Decatur, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Decatur, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,354 $5,618
American Family $3,786 $3,786
GEICO $3,494 $3,630
Nationwide $3,873 $3,873
Progressive $4,556 $4,556
State Farm $2,760 $2,760
USAA $2,390 $2,451

Cheap Decatur, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Decatur, Texas

Insurance Company Low Medium High
Allstate $5,335 $5,430 $5,694
American Family $3,531 $3,649 $4,179
GEICO $3,405 $3,530 $3,751
Nationwide $4,173 $3,708 $3,739
Progressive $4,356 $4,536 $4,777
State Farm $2,622 $2,752 $2,905
USAA $2,343 $2,411 $2,507

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Best By Category: Cheapest Auto Insurance in Decatur, Texas

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

Best Annual Auto Insurance Rates by Company in Decatur, Texas

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, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Decatur, Texas

Insurance Company Average Annual Rates
Allstate $5,486
American Family $3,786
GEICO $3,562
Nationwide $3,873
Progressive $4,556
State Farm $2,760
USAA $2,420

What affects auto insurance rates in Decatur, Texas?

There are a lot of reasons why auto insurance rates in Decatur, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Decatur, Texas. 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, Texas auto theft statistics, there have been 9 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, Texas commute length is 21.8 minutes according to City-Data.

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Compare Decatur, Texas Auto Insurance Quotes

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