Cheap Quotes for Decatur, AL Car Insurance (2021)

Decatur, Alabama car insurance rates average $291 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Decatur, AL companies, you can find cheap Decatur car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Decatur has an average commute time of 19.0 minutes
  • The cheapest car insurance company in Decatur is USAA
  • Average car insurance rates in Decatur, AL are $291/month

How do the Decatur, Alabama monthly average car insurance rates of $291/month compare to nearby cities like Dothan car insurance rates, Birmingham car insurance rates, and Montgomery car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Decatur, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Decatur, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Decatur, Alabama companies to find the most affordable Decatur car insurance rates.

Enter your ZIP code above to find cheap Decatur, AL car insurance quotes today.

What are the minimum Decatur, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Decatur, AL drivers need to carry at least 25/50/25 coverage.

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

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Average Decatur, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Decatur, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Decatur, Alabama

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

How do age, gender, and marital status affect Decatur, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Decatur, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Decatur car insurance companies.

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

How much do teen drivers pay for car insurance in Decatur, AL?

Decatur, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Decatur car insurance rates from multiple Decatur, Alabama car insurance companies to get the best deal.

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

How much do senior drivers pay for car insurance in Decatur, AL?

With a little research, seniors can find affordable car insurance in Decatur, Alabama. Here’s a look at how the top Decatur car insurance companies stack up.

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

How does coverage level affect Decatur, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Decatur, AL car insurance rates will be. Let’s take a look.

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

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How does your driving record affect Decatur, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Decatur, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Decatur, Alabama 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

How does a DUI affect Decatur, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Decatur, AL car insurance rates.

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

How does your credit history affect Decatur, AL car insurance rates?

Take a look at the data here to see how your Decatur, Alabama car insurance rates are affected by your credit history.

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

How does your commute affect Decatur, AL car insurance rates?

Decatur, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Decatur if you’re financing.

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

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Who has the cheapest Decatur, AL car insurance rates?

Here’s a breakdown of Decatur, Alabama car insurance rates by company. You can see which company offers the cheapest Decatur car insurance rates in each category.

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

What are the top Decatur, AL car insurance companies?

Which Decatur, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Decatur companies to find the one for you.

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

What factors affect Decatur, AL car insurance rates?

Why are Decatur, Alabama car insurance rates different than rates in Dothan or Birmingham? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Decatur, AL?

FBI statistics show that the Decatur, Alabama car theft rate is 171 thefts each year. High theft rates can lead to higher than average Decatur, AL car insurance rates.

How long is the average commute in Decatur, AL?

More time spent behind the wheel can lead to higher Decatur, Alabama car insurance rates. In Decatur, AL, the average commute length is 19.0 minutes.

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Car Insurance Quotes for Decatur, AL

Shop for affordable Decatur, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Decatur, AL car insurance companies.

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