Decatur, GA Car Insurance

Drivers in Decatur pay, on average, $132 a month for their car insurance. Learn more in our handy guide below.
Compared to their surrounding area, how do rates in Decatur stack up? What about against the rest of Georgia? What rates can residents of Decatur expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Decatur?

Area Average Monthly Car Insurance Premium
Decatur$132
GA$103
United States$80

Looking at the chart above, you can see that it is around $29 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. It's around $52 more expensive for coverage in Decatur than the average rates seen in the rest of the U.S.

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. 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 policy payment.

We've analyzed the average rate for Decatur and broken down the different factors to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$201
25-34$141
35-44$124
45-54Not Enough Data
55-64$97
65+$117

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may climb back up in Decatur.

Average Car Insurance Rates by Gender

Gender Average
Male$134
Female$130

In general, women pay slightly less for car insurance than men. The difference in Decatur is around $4 per month. Based on the chart above, you can see that male drivers pay $134 on average, while female drivers typically pay $130 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$186
Multiple Accidents$245
1 Ticket$171
Multiple Tickets$218

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Decatur with one accident will pay around $171 a month. Similarly, drivers with one ticket will typically pay around $186 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$138
2-3 Years$141
4-5 Years$139
6-7 Years$141
8-10 Years$131
11-14 Years$132
15 Years or Older$126

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Decatur, with drivers paying around $120 per month for auto insurance coverage.

Car owners can expect to pay an average of around $133 a month for their policy, while SUVs usually cost around $132 a month to insure.

You may also see different rates based on your vehicle's age. Overall, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Decatur, for example, are vehicles two-to-three years old and six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$138
Married$113
Divorced$105
Widowed$100

More often than not, those who have settled down into marriage will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Decatur is about $25 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$123
Rent$136
Live with parents$137

One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Decatur. But those who live at home with their parents can expect to pay significantly more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

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 choosing your car insurance policy.

Auto insurance rates in Decatur increased consistently from 2016 through the present, where they hit $196 a month in 2021.

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 number of factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Regional laws
  • Rate of crime
  • Off-street parking accessibility
  • Total amount of drivers in the area
  • Road safety

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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?

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

Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in Decatur.

Compare the cheapest quotes from dozens of insurance companies

Decatur 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, plus your driving record, credit score, marital status, and address.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

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?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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