Decatur, GA Car Insurance

On average, drivers in Decatur pay around $137 per month for their car insurance. Read our guide below to learn more about your specific rates.
What can Decatur residents expect to pay for their car insurance? How do rates in Decatur measure up compared to neighboring areas, including Georgia as a whole? 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$137
GA$106
United States$81

Looking at the chart above, you can see that it is around $31 a month more expensive to insure your vehicle in Decatur than it is in the rest of Georgia.

Likewise, Decatur residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Decatur is about $56 more expensive than the rate for the rest of the U.S.

While these are the average costs to insure your vehicle in Decatur, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

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 certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$214
25-34$145
35-44$130
45-54Not Enough Data
55-64$99
65+$114

More time behind the wheel makes you a more experienced driver. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Decatur drivers may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$140
Female$134

Female drivers pay, on average, slightly less than their male counterparts. In Decatur, the difference is around $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.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$179
Multiple Accidents$252
1 Ticket$164
Multiple Tickets$197

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. The rate for drivers in Decatur with a single accident on their record is about $179 a month. Likewise, drivers with one ticket will be looking at a rate of around $164 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$143
2-3 Years$148
4-5 Years$153
6-7 Years$159
8-10 Years$138
11-14 Years$133
15 Years or Older$129

The cheapest vehicles to insure in Decatur are usually trucks and vans, with each type typically costing about $119 per month.

SUV drivers will see rates of about $136 for auto insurance coverage, while car owners by and large pay around $139 a month.

The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. 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 six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$144
Married$114
Divorced$106
Widowed$100

Generally, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Decatur reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $30 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$127
Rent$142
Live with parents$138

Another factor that comes into play is your housing status. If you rent your home or apartment in Decatur, expect to pay around $15 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.

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, GA

Recent trends in car insurance for Decatur drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

In Decatur, auto insurance rates had been increasing consistently from 2017-2021. They finished down in 2022, at $102.

How does Decatur compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

  • Area laws
  • Crime
  • Rate of car accidents
  • Access to off-street parking
  • Total number of drivers in the area

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.

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.

Luckily, Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Decatur.

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Decatur Insurance FAQs

What factors affect car insurance quotes in Decatur?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, address, marital status and driving record.

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

Parking situations, local laws, 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?

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 however, 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Decatur or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes