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How much is car insurance in Decatur?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Decatur will typically run you about $31 a month more than in the rest of Georgia.
Drivers relocating the Decatur should take note of the differences in average rates. The average monthly payment for the rest of the U.S. is about is about $56 cheaper than it is in Decatur.
While these are the average monthly costs for auto insurance coverage in Decatur, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've broken down the average rates for Decatur to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Decatur Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Decatur may see their rates start to rise again once they hit retirement age.
Decatur Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Decatur, this difference shakes out to about $6 per month. Based on the chart above, you can see that male drivers pay $140 on average, while female drivers typically pay $134 each month.
Decatur Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Decatur, drivers with one accident on their record will experience rates around $178 a month. Likewise, drivers with one ticket will be looking at a rate of around $163 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Decatur Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$143|
|15 Years or Older||$128|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Decatur, with drivers paying around $119 per month for insurance coverage.
Car owners, on the other hand, by and large pay around $139 a month, while SUV drivers can expect to pay about $135 per month for auto insurance coverage.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Decatur, the most expensive vehicles to insure are vehicles six-to-seven years old.
Decatur Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$143|
Generally speaking, those who are currently married 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.
At a national level, single drivers usually pay more than married couples do for auto insurance. Decatur follows that pattern, with the difference totaling to around $30 a month.
Decatur Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$138|
One other element taken into consideration is your living accommodations. In Decatur, homeowners can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Decatur, GA
Recent trends in car insurance for Decatur drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Decatur, the rates for car insurance had been increasing consistently from 2017-2021. They finished down in 2022, at $109.
How does Decatur compare to neighboring areas?
Why are car insurance rates in Decatur different from other areas?
Car insurance companies will take into account a variety of factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Local regulations
- Rate of car accidents
- Number of drivers in the area
- Off-street parking accessibility
- Area crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Decatur?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering policies in Decatur.
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Decatur Auto Insurance FAQs
What factors affect car insurance quotes in Decatur?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Decatur different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Decatur?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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?
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