Decatur, AL Car Insurance

Drivers in Decatur pay, on average, $49 a month for their car insurance. To learn more about car insurance rates in the Decatur area, read our guide below.
Compared to their surrounding area, how do rates in Decatur stack up? What about against the rest of Alabama? How much can residents of Decatur expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Decatur?

Area Average Monthly Car Insurance Premium
Decatur$49
AL$52
United States$80

Based on the chart above, you can see that the costs for coverage in Decatur are in line with rates across the rest of Alabama.

Compared to the national average cost of auto insurance coverage, Decatur has lower rates. Car insurance rates for the United States as a whole are, on average, $31 more expensive than the rates you'd pay in Decatur.

While these numbers are the average rates for auto insurance in Decatur, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Decatur residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$74
25-34$47
35-44$52
45-54Not Enough Data
55-64$39
65+$41

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Decatur drivers may see their rates rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$50

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Decatur, however, men actually pay slightly less than female drivers to insure their car.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$66
Multiple Accidents$70
1 Ticket$62
Multiple Tickets$75

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Decatur, drivers with one accident on their record will experience rates around $66 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $62.

Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$77
2-3 Years$51
4-5 Years$43
6-7 Years$52
8-10 Years$48
11-14 Years$51
15 Years or Older$46

The cheapest vehicles to insure in Decatur are usually trucks and vans, with each type typically costing about $47 per month.

Car owners will see a monthly premium of about $48, while SUV owners typically pay around $51 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Decatur are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$51
Married$48
Divorced$42
Widowed$35

Generally, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Decatur are on par with each other.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$49
Live with parents$42

Another factor taken into consideration is your housing status. If you rent your home or apartment in Decatur, expect to pay around $1 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Decatur, AL

Recent trends in car insurance for Decatur drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

Auto insurance rates in Decatur had been increasing from 2016-2018, when they hit a high of $56. This pattern changed in 2019, when they began to decrease, and have continued to do so through the present, when rates reached a low of $36 a month.

How does Decatur compare to neighboring areas?

Why are car insurance rates in Decatur different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Area laws
  • Total number of drivers
  • Road Safety (frequency of car accidents)
  • Rate of crime
  • Off-street parking accessibility

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Decatur?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Decatur in no time.

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Decatur Insurance FAQs

What factors affect car insurance quotes in Decatur?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Decatur different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Decatur?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Decatur?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Decatur or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes