Decatur, IL Car Insurance

Decatur drivers pay, on average, around $54 a month for their car insurance. To learn more about what you're likely to pay in the Decatur area, read our guide below.
Are rates in Decatur higher or lower than those in neighboring areas? How do they compare to the rest of Illinois? What rates 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$54
IL$50
United States$80

Car insurance policies across the rest of Illinois are about $4 a month cheaper than the rates drivers pay in Decatur.

Compared to the rest of the country, auto insurance in Decatur is more affordable. Auto insurance coverage in Decatur is about $26 cheaper than it is for the rest of the United States.

While these are the average costs to insure your vehicle in Decatur, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining 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 the final dollar amount you'll be asked to pay each month.

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 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 18$166
18-24$100
25-34$45
35-44$40
45-54Not Enough Data
55-64$34
65+$33

The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Decatur.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$55

In general, car insurance rates for women are usually cheaper than they are for men. While this isn't true in Decatur, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$55
Multiple Accidents$63
1 Ticket$41
Multiple TicketsNot Enough Data

Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Decatur, a driving record with a single accident will usually get you a rate around $55 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $41.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$68
2-3 Years$52
4-5 Years$51
6-7 Years$43
8-10 Years$45
11-14 Years$66
15 Years or Older$48

In Decatur, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $40 per month for insurance.

Car owners will see a monthly premium of about $57, while SUV owners by and large pay around $52 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Decatur, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$61
Married$38
Divorced$40
Widowed$26

Overall, those who are currently married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

In Decatur, the difference in rates based on relationship status can be as much as $23 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$42
Rent$51
Live with parents$117

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Decatur, expect to pay around $9 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.

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

Car Insurance Companies in Decatur, IL

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 auto insurance went up from 2016-2018, before steadying out in 2019. Insurance rates finished down in 2021, at $47 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 your home address and will be influenced by things such as:

  • Road Safety (frequency of car accidents)
  • Amount of drivers in the community
  • Local laws
  • Off-street parking availability
  • Crime rates

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. Realizing 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 corner of the world.

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.

Fortunately, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Decatur.

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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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

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, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Decatur or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes