Decatur, AL Car Insurance

The average cost for car insurance in Decatur is about $50 a month. For information on policy rates, coverage, and more check out our guide below.
How does Decatur stack up to the rest of the area, or even Alabama as a whole? How much can residents of Decatur expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Decatur?

Area Average Monthly Car Insurance Premium
Decatur$50
AL$53
United States$81

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. Auto insurance coverage in Decatur is about $31 cheaper than it is for the rest of the U.S.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. 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.

We've done the heavy lifting for you and broken down the average rate for Decatur so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$79
25-34$47
35-44$52
45-54$39
55-64$39
65+$41

The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $38 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may rise again in Decatur.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$50

On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a bit less than male drivers on their monthly auto insurance coverage, the difference in Decatur is only about $1 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$64
Multiple Accidents$70
1 Ticket$61
Multiple Tickets$64

Rates can vary wildly depending on your driving record. Those with clean records can expect to pay less than those with infractions. In Decatur, having a single accident on your record will usually get you rates around $64 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $61 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$77
2-3 Years$51
4-5 Years$91
6-7 Years$51
8-10 Years$49
11-14 Years$50
15 Years or Older$46

The cheapest vehicles to insure in Decatur are typically trucks and vans, with each type typically costing about $46 per month.

Meanwhile, Decatur drivers who own a car or SUV can expect to pay about $51 for auto insurance coverage.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Decatur, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$46
Divorced$41
Widowed$36

Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Decatur as well, where the difference is around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$51
Live with parents$45

Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $4 a month more than drivers who own property in Decatur. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Decatur, AL

Recent trends in car insurance for Decatur drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The rates for auto insurance in Decatur had been increasing from from 2017-2018, when they reached a high of $56. This shifted in 2019, when car insurance rates began to decrease. They hit a low of $44 in 2020, and finished down in 2022, at $51.

How does Decatur compare to neighboring areas?

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

Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Road Safety (how many accidents each locality has)
  • Regional crime rates
  • Regional regulations
  • Availability of off-street parking
  • Total number of drivers

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing 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?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering plans in Decatur.

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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 age and gender, but also factors like your credit score, address, marital status and driving record.

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

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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