Compare Decatur, TN Car Insurance Rates (2021)

Car insurance in Decatur, TN averages $290 a month. Decatur, Tennessee car insurance requirements are 25/50/15, 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, TN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Decatur for teen drivers is Travelers
  • Average car insurance rates in Decatur, TN after a DUI are $4,094/year
  • The cheapest car insurance company in Decatur is USAA

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

You’ll find Decatur car insurance rates, the cheapest Decatur, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Decatur, Tennessee car insurance rates to Memphis car insurance rates, Murfreesboro car insurance rates, and Chattanooga car insurance rates.

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

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

How do age, gender, and marital status affect Decatur, TN car insurance rates? Every Decatur, Tennessee 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, 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Decatur, TN

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

Minimum Required Car 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

Cheapest Decatur, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Decatur, TN. 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, 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

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

Annual Decatur, Tennessee Car 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

Cheapest Decatur, TN Car Insurance for Teen Drivers

Teen car insurance in Decatur, TN 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, 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

Cheapest Decatur, TN Car Insurance for Seniors

Take a look at Decatur, TN 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, 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

Cheapest Decatur, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Decatur, Tennessee

Insurance Company Annual Car 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Decatur, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Decatur, Tennessee

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

The Best Cheap Car Insurance Companies in Decatur, TN

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Decatur, Tennessee

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

Best Annual Car 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Annual Car 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

What affects car insurance rates in Decatur, Tennessee?

What factors can have an impact on Decatur, TN 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, Tennessee.

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, TN is 24.4 minutes according to City-Data.

Compare Car Insurance Quotes in Decatur, TN

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption