Compare Decatur, IL Car Insurance Rates (2021)

Car insurance in Decatur, IL averages $266 a month. Decatur, Illinois car insurance requirements are 25/50/20, 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, IL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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® Joel Ohman

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Decatur is 62522
  • Average car insurance rates in Decatur, IL are $3,191/year
  • Average car insurance rates in Decatur, IL after a DUI are $3,724/year

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

You’ll find Decatur car insurance rates, the cheapest Decatur, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Decatur, Illinois car insurance rates to Aurora car insurance rates, Cicero car insurance rates, and Peoria car insurance rates.

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

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

How do age, gender, and marital status affect Decatur, IL car insurance rates? Every Decatur, Illinois 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, Illinois

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 $3,212 $3,227 $3,361 $3,361 $8,406 $10,924 $3,862 $4,175
American Family $2,269 $2,269 $2,080 $2,080 $6,460 $8,937 $2,269 $2,929
Farmers $2,392 $2,392 $2,117 $2,244 $10,518 $10,974 $2,733 $2,851
GEICO $1,605 $1,632 $1,555 $1,893 $4,884 $5,058 $2,024 $1,916
Liberty Mutual $1,322 $1,425 $1,099 $1,228 $4,398 $4,890 $1,380 $1,453
Nationwide $1,810 $1,840 $1,612 $1,705 $5,022 $6,432 $2,113 $2,285
Progressive $1,901 $1,783 $1,570 $1,654 $7,004 $7,848 $2,248 $2,411
State Farm $1,510 $1,510 $1,361 $1,361 $4,481 $5,676 $1,710 $1,968
Travelers $1,467 $1,547 $1,354 $1,442 $4,342 $5,504 $1,548 $1,630
USAA $1,751 $1,774 $1,631 $1,599 $5,810 $6,392 $2,313 $2,529

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Minimum Car Insurance in Decatur, IL

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

Minimum Required Car Insurance Coverage in Decatur, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Decatur, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Decatur, IL. 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, Illinois

Insurance Company Poor Fair Good
Allstate $6,447 $4,668 $4,083
American Family $4,865 $3,316 $2,805
Farmers $5,134 $4,330 $4,118
GEICO $4,123 $2,017 $1,573
Liberty Mutual $3,032 $1,900 $1,515
Nationwide $3,400 $2,751 $2,407
Progressive $3,766 $3,193 $2,948
State Farm $3,556 $2,131 $1,654
Travelers $2,867 $2,317 $1,879
USAA $3,953 $2,724 $2,248

Cheapest Decatur, IL 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, IL to rates for a clean record with top companies.

Annual Decatur, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,597 $6,163 $5,753 $4,752
American Family $2,691 $3,826 $5,079 $3,052
Farmers $3,821 $4,934 $4,811 $4,544
GEICO $1,872 $2,601 $3,469 $2,342
Liberty Mutual $1,792 $2,540 $2,232 $2,032
Nationwide $2,302 $2,974 $3,493 $2,641
Progressive $2,718 $4,044 $3,017 $3,430
State Farm $2,226 $2,668 $2,447 $2,447
Travelers $1,869 $2,450 $2,755 $2,344
USAA $2,110 $3,054 $4,186 $2,548

Cheapest Decatur, IL Car Insurance for Teen Drivers

Teen car insurance in Decatur, IL 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, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,406 $10,924
American Family $6,460 $8,937
Farmers $10,518 $10,974
GEICO $4,884 $5,058
Liberty Mutual $4,398 $4,890
Nationwide $5,022 $6,432
Progressive $7,004 $7,848
State Farm $4,481 $5,676
Travelers $4,342 $5,504
USAA $5,810 $6,392

Cheapest Decatur, IL Car Insurance for Seniors

Take a look at Decatur, IL 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, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,361 $3,361
American Family $2,080 $2,080
Farmers $2,117 $2,244
GEICO $1,555 $1,893
Liberty Mutual $1,099 $1,228
Nationwide $1,612 $1,705
Progressive $1,570 $1,654
State Farm $1,361 $1,361
Travelers $1,354 $1,442
USAA $1,631 $1,599

Cheapest Decatur, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Decatur, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,753
American Family $5,079
Farmers $4,811
GEICO $3,469
Liberty Mutual $2,232
Nationwide $3,493
Progressive $3,017
State Farm $2,447
Travelers $2,755
USAA $4,186

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Cheapest Decatur, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Decatur, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,066 $5,066
American Family $3,615 $3,709
Farmers $4,528 $4,528
GEICO $2,525 $2,617
Liberty Mutual $2,149 $2,149
Nationwide $2,852 $2,852
Progressive $3,302 $3,302
State Farm $2,384 $2,510
Travelers $2,262 $2,446
USAA $2,891 $3,058

Cheapest Decatur, IL 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, IL.

Annual Car Insurance Rates by ZIP Code in Decatur, Illinois

ZIP Code Average Annual Rates
62521 $3,153
62522 $3,140
62523 $3,183
62526 $3,145

The Best Cheap Car Insurance Companies in Decatur, IL

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

Average Annual Car Insurance Rates by Company in Decatur, Illinois

Insurance Company Average Annual Rates
Allstate $5,066
American Family $3,662
Farmers $4,528
GEICO $2,571
Liberty Mutual $2,149
Nationwide $2,852
Progressive $3,302
State Farm $2,447
Travelers $2,354
USAA $2,975

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Category Winners: Cheapest Car Insurance in Decatur, Illinois

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

Best Annual Car Insurance Rates by Company in Decatur, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Travelers
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

Cheapest Decatur, IL 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, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Decatur, Illinois

Insurance Company Low Medium High
Allstate $4,917 $5,061 $5,220
American Family $3,519 $3,796 $3,670
Farmers $4,297 $4,415 $4,871
GEICO $2,321 $2,562 $2,830
Liberty Mutual $2,030 $2,145 $2,273
Nationwide $2,837 $2,877 $2,843
Progressive $2,957 $3,283 $3,667
State Farm $2,297 $2,451 $2,593
Travelers $2,184 $2,351 $2,528
USAA $2,766 $2,972 $3,186

What affects car insurance rates in Decatur, Illinois?

What factors can have an impact on Decatur, IL 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, Illinois.

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, IL is 16.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Decatur, IL

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

Free Car Insurance Comparison

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

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