Buy Cheap Decatur, AL Auto Insurance (2021)

Decatur, AL auto insurance rates average $291 a month. Minimum auto insurance requirements in Decatur, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Decatur, AL, compare Decatur auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Decatur after a DUI is Liberty Mutual
  • Average auto insurance rates in Decatur, AL are $291/month
  • Average auto insurance rates in Decatur, AL for teens drivers are $7,166/year

Finding affordable Decatur, Alabama auto insurance can be challenging, but everything you need to know to buy cheap Decatur, AL auto insurance with confidence is right here. Auto insurance rates in Decatur are affected by local factors as well as personal ones like your driving record.

See how Decatur, AL car insurance rates compare to Birmingham auto insurance rates, Madison auto insurance rates, and Tuscaloosa auto insurance rates before you read more about the cost of auto insurance in Decatur.

Don’t buy Decatur, AL auto insurance until you’ve compared rates. Get free Decatur, Alabama auto insurance quotes when you enter your ZIP code above.

Decatur, AL Minimum Auto Insurance Requirements

The required auto insurance in Decatur, AL is 25/50/25 according to the auto insurance laws in Alabama. The minimum auto insurance in Decatur, Alabama is outlined here.

Minimum Required Auto 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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Find Cheap Decatur, AL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Decatur, AL. Take a look at Decatur, Alabama auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Decatur, AL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Decatur, Alabama auto insurance rates? Find out how car insurance rates in Decatur, AL are impacted by demographics.

Annual Auto 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

Buy Cheap Decatur, AL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Decatur can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Decatur, AL are listed here.

Annual Auto 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

Buy Cheap Decatur, AL Auto Insurance for Seniors

You can save on senior auto insurance rates in Decatur, Alabama by comparing Decatur senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Decatur, AL here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Decatur, AL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Decatur, Alabama auto insurance. Compare Decatur, AL auto insurance rates by coverage level.

Annual Auto 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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Find Cheap Decatur, AL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Decatur. Compare auto insurance rates in Decatur, AL by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Decatur, AL Auto Insurance Rates by ZIP Code

Auto insurance rates in Decatur, Alabama can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Decatur, AL to see how much where you live in Decatur affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Decatur, Alabama

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

Find Cheap Decatur, AL Auto Insurance Rates by Driving Record

Auto insurance rates in Decatur, Alabama are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Decatur, AL, take a look at the average cost for various violations versus rates for a clean driving record in Decatur.

Annual Decatur, Alabama Auto 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

Find Cheap Decatur, AL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Decatur, Alabama is higher than for a clean driving record. You can buy auto insurance after a DUI in Decatur for less when you shop around and compare rates from multiple Decatur, AL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Decatur, Alabama

Insurance Company Annual Auto 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

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Winners by Category: Where to Buy Cheap Auto Insurance in Decatur, AL

Compare rates from the cheapest auto insurance companies in Decatur, AL for your needs. Take a look at how Decatur, Alabama auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Decatur, Alabama Auto Insurance Companies

If you’re looking for the cheapest Decatur, AL auto insurance companies overall, you can compare them here. Find the best price for Decatur, Alabama car insurance by company.

Average Annual Auto 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 affects Decatur, Alabama auto insurance rates?

Local factors affect auto insurance rates in Decatur, AL, including traffic, theft statistics, and commute length. Take a look at the things that impact Decatur auto insurance rates.

Auto Theft in Decatur

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Decatur, AL auto theft show a total of 171 vehicle thefts annually.

Commute Times in Decatur

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Decatur, AL is 19.0 minutes according to City-Data.

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Compare Auto Insurance Quotes in Decatur, AL

You can buy cheap Decatur, AL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Decatur, Alabama auto insurance quotes from top companies.

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