Compare Decatur, AL Car Insurance Rates (2021)

Car insurance in Decatur, AL averages $291 a month. Decatur, Alabama car insurance requirements are 25/50/25, 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, AL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Decatur for teen drivers is USAA
  • The cheapest ZIP code in Decatur is 35601
  • Average car insurance rates in Decatur, AL after a DUI are $3,981/year

If you need to buy Decatur, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Decatur, AL is right here.

You’ll find Decatur car insurance rates, the cheapest Decatur, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Decatur, Alabama car insurance rates to Montgomery car insurance rates, Birmingham car insurance rates, and Hoover car insurance rates.

Ready to find affordable Decatur, AL car insurance today? Enter your ZIP code for fast, free Decatur car insurance quotes.

Cheapest Decatur, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Decatur, AL car insurance rates? Every Decatur, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Decatur, AL

Every driver must carry the minimum car insurance in Decatur, AL. Take a look at the Alabama car insurance requirements.

Minimum Required Car 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

Cheapest Decatur, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Decatur, AL. Compare credit history car insurance rates in Decatur from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Decatur, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Decatur, AL to rates for a clean record with top companies.

Annual Decatur, Alabama Car 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

Cheapest Decatur, AL Car Insurance for Teen Drivers

Teen car insurance in Decatur, AL can be expensive. Take a look at rates from the top car insurance companies in Decatur for teenagers.

Annual Car 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

Cheapest Decatur, AL Car Insurance for Seniors

Take a look at Decatur, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Decatur, AL Car Insurance Rates After a DUI

A DUI in Decatur, AL increases car insurance rates. Compare Decatur, Alabama DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Decatur, Alabama

Insurance Company Annual Car 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

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Cheapest Decatur, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Decatur, AL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Decatur, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Decatur, AL 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, AL.

Annual Car Insurance Rates by ZIP Code in Decatur, Alabama

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

The Best Cheap Car Insurance Companies in Decatur, AL

Take a look at a side-by-side comparison of the top car insurance companies in Decatur, AL to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Decatur, Alabama

Find the cheapest car insurance companies in Decatur, AL for each category right here.

Best Annual Car 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

Cheapest Decatur, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Decatur car insurance rates. Find the cheapest Decatur, AL car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Decatur, Alabama?

What factors can have an impact on Decatur, AL car insurance? 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, Alabama.

Car Theft in Decatur

High levels of vehicle theft can make car insurance more expensive. Decatur, AL car theft statistics from the FBI indicate 171 vehicle thefts a year.

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, AL is 19.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Decatur, AL

Ready to find affordable Decatur, Alabama car insurance today? Enter your ZIP code for fast, free Decatur, AL car insurance quotes.

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Average Monthly Car Insurance Rates by State