Cheapest Auto Insurance in Decatur, Illinois (2024)
Auto-Owners has the cheapest liability-only car insurance rates in Decatur, at $25 per month.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 21, 2024
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Table of contents
Situated along the Sangamon River and Lake Decatur in Macon County, Decatur is known for its year-round water activities such as swimming, fishing, and water skiing. It’s less populated and has fewer car thefts than other nearby Illinois cities.[1] This could be why Decatur’s average car insurance rates are cheaper than the national average and similar to Illinois’ average rates.
The average cost of car insurance in Decatur is $70 per month for liability only and $141 per month for full coverage.
Quick Facts
Auto-Owners, State Farm, and GEICO are the cheapest insurers for liability insurance in Decatur, based on Insurify data.
If you’re having trouble locking in car insurance coverage because of a poor driving history, the Illinois Automobile Insurance Plan (ILAIP) can help.
Infrequent drivers in Decatur can find cheap rates with Mile Auto.
Cheapest car insurance companies in Decatur
If you’re looking for the cheapest car insurance in Decatur, consider your budget, driving record, and car insurance coverage needs. It’s a good idea to compare multiple auto insurance companies simultaneously to see where you can get a good deal.
To make your search for the right coverage a bit easier, here are some of the best car insurance companies in Decatur and why they stand out.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Mile Auto | 7.5 | $72 | $46 | Low-mileage drivers |
| USAA | 9.4 | $98 | $53 | Military members and veterans |
| State Farm | 9.3 | $60 | $32 | Young drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $60/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Around 20% of Decatur’s population is made up of seniors who may only drive on an occasional basis. Senior drivers and people working primarily from home may land cheap coverage through Mile Auto. Mile Auto specializes in pay-per-mile insurance and can save you money if you don’t drive often.
Pros
Affordable pay-per-mile policies
Doesn’t use vehicle-tracking devices
Cons
No mobile app available
Limited coverage options
Best insurer for military members and veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $82/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
According to a 2017–2021 U.S. Census Bureau estimate, more than 4,000 veterans call Decatur home. Veterans and military members in the area can find cheap car insurance rates with USAA. The company specifically serves the military community with auto insurance and other insurance products and financial services.
Pros
Offers a usage-based car insurance program
High J.D. Power customer satisfaction rating in the North Central region
Cons
Restrictive membership requirements
Gap insurance not available
Best insurer for young drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $27/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $51/mo |
4.2
Best choiceBased on 9040 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Decatur is home to many students from Millikin University and Richland Community College. State Farm offers a variety of discounts for these types of drivers, like a good student discount and driver training discount. These discounts can help students and young drivers save money on car insurance in Decatur.
Pros
Discounts available for teens and young drivers
Rental car and travel expenses coverage available
Cons
Doesn’t offer gap insurance
Can’t purchase car insurance online
How to get the cheapest car insurance in Decatur
It’s not only important to do your research before buying a policy, but it’s important to take steps to get the cheapest rates possible for you.
Here are some tips to help you find the best car insurance coverage and cheapest Decatur car insurance rates:
Shop around. Get quotes from at least three car insurers to zero in on the right policy for your unique situation. Compare different rates, coverage options, and company reviews. You can use an independent insurance agent in Decatur or an online quote-comparison platform.
Look for discounts. Most car insurance agencies offer discounts that can lower the cost of your auto policy and help you secure the best insurance. The good student discount, loyalty discount, and anti-theft device discount are some popular discounts.
Bundle insurance. If you pair your auto insurance with homeowners insurance, renters insurance, or life insurance with the same company, you can usually save some money on your car insurance costs.
Consider usage-based insurance. Usage-based insurance is worth exploring if you’re an infrequent driver. You’ll only pay for the miles you drive plus a monthly base rate.
Find Cheap Car Insurance in Decatur, Illinois
Liability quotes start at $25 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Decatur: Auto-Owners
To drive legally in Decatur and other cities in Illinois, you must purchase at least liability car insurance, which helps pay for the other party’s property damage and medical expenses after an at-fault accident.
Compared to other types of car insurance, liability coverage tends to be the cheapest. The most affordable car insurer for a liability-only policy in Decatur is Auto-Owners, at $25 per month.
The table below shows the cheapest car insurance companies for liability-only coverage in Decatur.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $25 |
| State Farm | $27 |
| GEICO | $36 |
| COUNTRY Financial | $37 |
| Progressive | $37 |
| Mile Auto | $38 |
| Erie | $41 |
| USAA | $44 |
| American Family | $47 |
| Mercury | $51 |
| Direct Auto | $55 |
| Nationwide | $55 |
| Clearcover | $59 |
| Travelers | $60 |
| Farmers | $64 |
| National General | $65 |
| Allstate | $67 |
| Safeco | $69 |
| GAINSCO | $78 |
| Elephant | $80 |
| Dairyland | $81 |
| The General | $81 |
| Bristol West | $83 |
| State Auto | $84 |
| Liberty Mutual | $115 |
| Foremost | $117 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Decatur: Auto-Owners
Full-coverage car insurance is typically optional in Decatur and usually consists of liability, collision, and comprehensive coverages. It can provide you with additional protection and peace of mind for vehicle damages in various situations. Also, if you have a loan or lease on your vehicle, your lender will likely require it.
The average cost of full-coverage car insurance in Decatur is $141 per month. The table below shows the lowest rates for full-coverage auto insurance policies in Decatur.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $46 |
| State Farm | $51 |
| Mile Auto | $60 |
| GEICO | $67 |
| COUNTRY Financial | $70 |
| Erie | $77 |
| USAA | $82 |
| American Family | $88 |
| Clearcover | $93 |
| Mercury | $97 |
| Progressive | $99 |
| Nationwide | $104 |
| Safeco | $110 |
| Travelers | $112 |
| Direct Auto | $119 |
| Farmers | $119 |
| Allstate | $125 |
| National General | $141 |
| Elephant | $143 |
| State Auto | $157 |
| GAINSCO | $197 |
| Dairyland | $202 |
| The General | $205 |
| Bristol West | $207 |
| Liberty Mutual | $214 |
| Foremost | $275 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Decatur, Illinois
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $45/mo for full coverage in Decatur and other Illinois cities.
*Quotes generated for Insurify users in and around Decatur, Illinois within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Decatur, Illinois within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Illinois
Because Illinois is an at-fault — or tort — state, you have to cover the property damage and injury costs of the other driver and passengers if you’re responsible for a car accident. After you purchase at least the minimum-required liability insurance, be sure to keep your policy handy while you drive. Otherwise, you might face legal and financial consequences for not showing proof of insurance.
Here are the car insurance requirements in Illinois:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $20,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Uninsured motorist bodily injury coverage | $20,000 per person / $50,000 per accident |
You might want to go beyond the minimum Illinois car insurance requirements and purchase additional coverage that can protect you in certain situations.
Here are a few insurance coverages to consider:
Comprehensive coverage
Comprehensive insurance covers damages to your vehicle from fire, theft, and other non-collision events.
Collision coverage
Collision coverage pays to repair or replace your vehicle if you hit another driver’s vehicle or stationary object, no matter who’s at fault.
Gap coverage
Gap coverage pays for the difference between your auto loan balance and the insurance settlement in case of a total loss.
Roadside assistance coverage
Roadside assistance can be helpful if your vehicle suddenly breaks down and you need help. It covers towing, tire changes, dead-battery jumps, and other related issues.
Illinois Automobile Insurance Plan
ILAIP
The Illinois Automobile Insurance Plan (ILAIP) offers car insurance to drivers who wouldn’t be able to purchase it otherwise. It might be an option if you’ve been denied coverage because of a violation on your record, like driving under the influence (DUI) or driving without insurance.
To get approved for an auto policy under ILAIP, you’ll need to prove you’ve had no success qualifying for coverage elsewhere within the past 60 days.
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and DUI convictions are a few examples of incidents that can increase car insurance premiums. Auto insurance companies consider drivers with these types of incidents on their driving records as high-risk drivers and, in turn, charge more to mitigate the risk. The best way to avoid costly premiums and lock in the lowest price is to maintain a clean record.
Here are the average car insurance quotes in Decatur based on driving history.
Shop for Car Insurance in Decatur, IL
Rates start at $32 per month for drivers with an incident
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4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Illinois takes speeding seriously. The state police measure driver speed through a variety of devices, like hand-held radar, moving radar, and pacing devices.[3] Because speeding can make it a challenge to react safely and avoid an accident, Decatur drivers who speed typically face higher car insurance rates.
The average cost of car insurance for drivers with a speeding ticket in Decatur is $98 per month for liability insurance.
Here are the cheapest auto insurers in Decatur for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $25 | $33 |
| State Farm | $27 | $35 |
| GEICO | $36 | $47 |
| COUNTRY Financial | $37 | $49 |
| Progressive | $37 | $48 |
| Mile Auto | $38 | $50 |
| Erie | $41 | $55 |
| USAA | $44 | $57 |
| American Family | $47 | $61 |
| Mercury | $51 | $71 |
| Direct Auto | $55 | $71 |
| Nationwide | $55 | $72 |
| Clearcover | $59 | $77 |
| Travelers | $60 | $78 |
| Farmers | $64 | $83 |
| National General | $65 | $85 |
| Allstate | $67 | $87 |
| Safeco | $69 | $91 |
| GAINSCO | $78 | $109 |
| Elephant | $80 | $112 |
| Dairyland | $81 | $105 |
| The General | $81 | $107 |
| Bristol West | $83 | $108 |
| State Auto | $84 | $117 |
| Liberty Mutual | $115 | $160 |
| Foremost | $117 | $163 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
After a serious or fatal accident, the City of Decatur Police Department turns to the Fatal Accident Investigation Team (FAIT) to perform an investigation. If you cause an accident in the city, car insurance companies will likely consider you a high-risk driver and charge you higher premiums as a result.
Decatur drivers with an accident on their records pay an average of $107 per month for liability car insurance.
Here’s a look at the most affordable insurance for Decatur drivers with at-fault accidents on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $25 | $35 |
| State Farm | $27 | $38 |
| GEICO | $36 | $51 |
| COUNTRY Financial | $37 | $54 |
| Progressive | $37 | $52 |
| Mile Auto | $38 | $55 |
| Erie | $41 | $59 |
| USAA | $44 | $62 |
| American Family | $47 | $66 |
| Mercury | $51 | $76 |
| Direct Auto | $55 | $79 |
| Nationwide | $55 | $78 |
| Clearcover | $59 | $89 |
| Travelers | $60 | $85 |
| Farmers | $64 | $90 |
| National General | $65 | $91 |
| Allstate | $67 | $94 |
| Safeco | $69 | $96 |
| GAINSCO | $78 | $105 |
| Elephant | $80 | $110 |
| Dairyland | $81 | $113 |
| The General | $81 | $116 |
| Bristol West | $83 | $116 |
| State Auto | $84 | $128 |
| Liberty Mutual | $115 | $171 |
| Foremost | $117 | $174 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
In 2021, the Illinois Secretary of State recorded more than 21,000 DUI arrests.[4] A DUI conviction in Illinois usually leads to fines, jail time, and a license suspension.
To reinstate your license after a DUI, you may also need to file an SR-22 insurance form with the state, per the state of Illinois, and can expect higher premiums or difficulty securing coverage.
Drivers with DUIs pay an average of $121 per month for car insurance in Decatur. This table shows the cheapest car insurance companies for drivers with a DUI in Decatur.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $25 | $42 |
| State Farm | $27 | $46 |
| GEICO | $36 | $61 |
| COUNTRY Financial | $37 | $63 |
| Progressive | $37 | $63 |
| Mile Auto | $38 | $64 |
| Erie | $41 | $69 |
| USAA | $44 | $74 |
| American Family | $47 | $79 |
| Mercury | $51 | $80 |
| Direct Auto | $55 | $93 |
| Nationwide | $55 | $93 |
| Clearcover | $59 | $100 |
| Travelers | $60 | $101 |
| Farmers | $64 | $108 |
| National General | $65 | $110 |
| Allstate | $67 | $113 |
| Safeco | $69 | $108 |
| GAINSCO | $78 | $132 |
| Elephant | $80 | $135 |
| Dairyland | $81 | $137 |
| The General | $81 | $137 |
| Bristol West | $83 | $140 |
| State Auto | $84 | $142 |
| Liberty Mutual | $115 | $194 |
| Foremost | $117 | $198 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Age-related physical and mental impairments can make it more difficult for seniors in Decatur to drive safely and avoid accidents.[5] That’s why average premiums usually decrease around age 35 and pick back up again around age 70.
Senior drivers in Decatur pay an average of $52 per month for car insurance, but here are the cheapest car insurance companies in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $19 | $34 |
| State Farm | $20 | $37 |
| Progressive | $25 | $67 |
| GEICO | $27 | $51 |
| Mile Auto | $27 | $43 |
| COUNTRY Financial | $28 | $53 |
| Erie | $30 | $56 |
| USAA | $33 | $62 |
| American Family | $35 | $65 |
| Mercury | $38 | $73 |
| Nationwide | $39 | $73 |
| Direct Auto | $41 | $88 |
| Travelers | $44 | $83 |
| Farmers | $47 | $88 |
| National General | $47 | $102 |
| Clearcover | $48 | $76 |
| Allstate | $51 | $95 |
| Safeco | $56 | $89 |
| State Auto | $59 | $111 |
| Dairyland | $61 | $153 |
| Elephant | $62 | $111 |
| GAINSCO | $62 | $157 |
| The General | $62 | $157 |
| Bristol West | $63 | $157 |
| Foremost | $89 | $208 |
| Liberty Mutual | $92 | $170 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Compared to older drivers, teens and young drivers have less driving experience and limited knowledge. For this reason, car insurance companies usually charge them higher rates.
To save on an auto policy, teens can stay on their parents’ insurance or lock in student-specific discounts. In Decatur, teen drivers pay an average of $130 per month for car insurance.
Here’s a look at the average monthly car insurance quotes for young adults and teen drivers in Decatur.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $44 | $81 |
| State Farm | $49 | $92 |
| COUNTRY Financial | $56 | $106 |
| GEICO | $60 | $112 |
| Progressive | $68 | $182 |
| Erie | $72 | $135 |
| Mile Auto | $77 | $121 |
| USAA | $77 | $144 |
| American Family | $85 | $159 |
| Mercury | $94 | $179 |
| Nationwide | $101 | $190 |
| Direct Auto | $105 | $227 |
| Clearcover | $113 | $179 |
| Travelers | $113 | $212 |
| Farmers | $117 | $218 |
| Allstate | $125 | $233 |
| National General | $133 | $289 |
| The General | $135 | $342 |
| Elephant | $136 | $243 |
| Dairyland | $137 | $342 |
| Safeco | $138 | $221 |
| GAINSCO | $141 | $356 |
| Bristol West | $147 | $365 |
| State Auto | $156 | $292 |
| Liberty Mutual | $207 | $385 |
| Foremost | $217 | $511 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Decatur car insurance quotes by credit tier
Insurance companies believe that drivers with good to excellent credit are less risky and usually file fewer claims than drivers with poor credit. Because of this, some car insurers consider credit scores to help them determine premiums.
While some states ban the use of credit scores in determining premiums, Illinois allows companies to do so.[6] The chart below shows that Decatur drivers with excellent credit pay $100 per month, on average, while drivers with poor credit pay an average of $178 per month.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Decatur?
Overall car insurance premiums for Decatur drivers are cheaper than the national average of $154 per month.
Rates can vary by ZIP code and city within Illinois due to factors like population, crime rates, weather conditions, and the number of uninsured drivers.[7] For example, Chicago has notoriously expensive car insurance premiums, especially compared to smaller cities like Decatur.
More cities in Illinois
Here’s a look at the average quotes for coverage in other Illinois cities compared to Decatur.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Aurora | $76 | $157 |
| Berwyn | $85 | $187 |
| Chicago | $96 | $227 |
| Cicero | $85 | $195 |
| Elgin | $83 | $160 |
| Joliet | $80 | $179 |
| Naperville | $76 | $153 |
| Peoria | $78 | $167 |
| Rockford | $72 | $158 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Decatur car insurance FAQs
Read Insurify’s guide on how much coverage you need, and check out the answers to frequently asked questions about car insurance in Decatur.
How much is car insurance in Decatur?
The average cost of car insurance in Decatur is $70 per month for liability only and $141 per month for full coverage.
Which company has the cheapest car insurance in Decatur?
Auto-Owners, State Farm, and GEICO are the cheapest insurers for liability insurance in Decatur, with rates of $25, $27, and $36, per month, respectively.
However, the best way to find the lowest rates for your situation is to compare quotes with at least three insurance companies and see which one can offer you the best deal for car insurance.
What are the best car insurance companies in Decatur?
Some of Decatur’s best car insurance companies are Mile Auto, State Farm, and USAA. These companies have solid car insurance coverage offerings, good customer satisfaction ratings, and strong AM Best financial strength ratings.
How much does car insurance cost per month in Illinois?
The average cost of car insurance in Illinois is $79 per month for liability coverage and $176 per month for full coverage.
What are the minimum car insurance requirements in Illinois?
Illinois requires 20/50/20 minimum car insurance coverage. This translates to $20,000 per person and $50,000 per accident for bodily injury liability coverage and $20,000 per accident for property damage liability coverage. Illinois also requires uninsured motorist bodily injury coverage for the same limits.[2]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Illinois
Sources
- Federal Bureau of Investigation. "Crime Data Explorer."
- Illinois Secretary of State. "Mandatory Vehicle Insurance."
- Illinois State Police. "Traffic and Safety."
- Illinois Secretary of State. "2023 Illinois DUI Fact Book."
- III. "Senior driving safety and insurance tips."
- Illinois Department of Insurance. "Credit: How Insurers Use It."
- III. "What determines the price of an auto insurance policy?."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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