Compare Decatur, TX Car Insurance Rates (2021)

Car insurance in Decatur, TX averages $315 a month. Decatur, Texas car insurance requirements are 30/60/25, 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, TX.

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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®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Decatur, TX are $3,778/year
  • The cheapest car insurance company in Decatur for teen drivers is USAA
  • Average car insurance rates in Decatur, TX after a DUI are $4,304/year

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

You’ll find Decatur car insurance rates, the cheapest Decatur, TX car insurance companies, and information on Texas car insurance laws. You can also compare Decatur, Texas car insurance rates to Dallas car insurance rates, Laredo car insurance rates, and Plano car insurance rates.

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

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

How do age, gender, and marital status affect Decatur, TX car insurance rates? Every Decatur, Texas 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, 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

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Minimum Car Insurance in Decatur, TX

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

Minimum Required Car 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

Cheapest Decatur, TX Car Insurance Rates by Credit Score

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

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

Annual Decatur, Texas Car 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

Cheapest Decatur, TX Car Insurance for Teen Drivers

Teen car insurance in Decatur, TX 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, 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

Cheapest Decatur, TX Car Insurance for Seniors

Take a look at Decatur, TX 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, 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

Cheapest Decatur, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Decatur, Texas

Insurance Company Annual Car 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

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Cheapest Decatur, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Decatur, Texas

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

The Best Cheap Car Insurance Companies in Decatur, TX

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Decatur, Texas

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

Best Annual Car 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

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

Annual Car 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

What affects car insurance rates in Decatur, Texas?

What factors can have an impact on Decatur, TX 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, Texas.

Car Theft in Decatur

High levels of vehicle theft can make car insurance more expensive. Decatur, TX car theft statistics from the FBI indicate 9 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, TX is 21.8 minutes according to City-Data.

Compare Car Insurance Quotes in Decatur, TX

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

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