Buy Cheap Decatur, TX Auto Insurance (2021)

Decatur, TX auto insurance rates average $315 a month. Minimum auto insurance requirements in Decatur, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Decatur, TX, 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 is Allstate
  • Average auto insurance rates in Decatur, TX for teens drivers are $6,719/year
  • Average auto insurance rates in Decatur, TX are $315/month

Finding affordable Decatur, Texas auto insurance can be challenging, but everything you need to know to buy cheap Decatur, TX 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, TX car insurance rates compare to Fort Worth auto insurance rates, Dallas auto insurance rates, and San Antonio auto insurance rates before you read more about the cost of auto insurance in Decatur.

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

Decatur, TX Minimum Auto Insurance Requirements

The required auto insurance in Decatur, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Decatur, Texas is outlined here.

Minimum Required Auto 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

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Find Cheap Decatur, TX Auto Insurance by Credit History

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

Annual Auto 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

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

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

Annual Auto 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

Buy Cheap Decatur, TX 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, TX are listed here.

Annual Auto 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

Buy Cheap Decatur, TX Auto Insurance for Seniors

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

Annual Auto 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

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

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

Annual Auto 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

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Find Cheap Decatur, TX 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, TX by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Decatur, TX Auto Insurance Rates by Driving Record

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

Annual Decatur, Texas Auto 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

Find Cheap Decatur, TX Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Decatur, Texas 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, TX auto insurance companies.

Annual Auto Insurance Rates After a DUI in Decatur, Texas

Insurance Company Annual Auto 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

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

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

Best Annual Auto 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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Find Cheap Decatur, Texas Auto Insurance Companies

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

Average Annual Auto 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

What affects Decatur, Texas auto insurance rates?

Local factors affect auto insurance rates in Decatur, TX, 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, TX auto theft show a total of 9 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, TX is 21.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Decatur, TX

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

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