Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Decatur, AL are $291/month
  • The cheapest car insurance company in Decatur after a DUI is USAA
  • The cheapest car insurance company in Decatur for teen drivers is USAA

Average car insurance rates in Decatur, Alabama are $291 a month. But with a little research you can get a great deal from the top car insurance companies in Decatur, AL. Before you buy Decatur, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Decatur car insurance rates with Tuscaloosa car insurance rates, Hoover car insurance rates, or Birmingham car insurance rates to make sure you’re getting the best Decatur, AL car insurance quotes available.

Need affordable Decatur, AL car insurance? Enter your ZIP code to compare Decatur car insurance quotes from multiple car insurance companies near you.

Decatur, AL Minimum Car Insurance Coverage

Decatur, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Decatur, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Decatur, AL Car Insurance Rates by Coverage Level

Some Decatur drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Decatur, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Decatur, Alabama

Insurance Company Low Medium High
Allstate $3,033 $3,128 $3,239
Farmers $3,747 $3,917 $4,241
GEICO $2,419 $2,624 $2,868
Liberty Mutual $4,954 $5,172 $5,465
Nationwide $2,518 $2,516 $2,576
Progressive $3,667 $4,080 $4,554
State Farm $4,232 $4,482 $4,749
Travelers $3,145 $3,398 $3,452
USAA $1,959 $2,021 $2,116

Decatur, AL Car Insurance Rates by Age, Gender, and Marital Status

Decatur, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Decatur, AL car insurance, get quotes from multiple car insurance companies in the Decatur area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Decatur, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,917 $1,833 $1,727 $1,761 $6,485 $6,965 $2,162 $2,217
Farmers $2,265 $2,248 $2,024 $2,150 $8,778 $9,030 $2,576 $2,678
GEICO $1,887 $1,878 $1,810 $1,872 $4,963 $4,863 $1,985 $1,837
Liberty Mutual $2,997 $3,235 $2,455 $2,745 $11,161 $12,409 $3,186 $3,388
Nationwide $1,659 $1,678 $1,516 $1,566 $4,373 $5,611 $1,840 $2,051
Progressive $2,190 $2,043 $1,801 $1,924 $9,249 $10,307 $2,562 $2,727
State Farm $2,705 $2,705 $2,463 $2,463 $8,429 $10,530 $3,062 $3,544
Travelers $1,339 $1,358 $1,264 $1,259 $7,264 $11,462 $1,269 $1,436
USAA $1,261 $1,276 $1,178 $1,150 $3,789 $4,195 $1,642 $1,766

Decatur, AL Car Insurance Rates for Teens

How much is Decatur, Alabama car insurance for teens? Compare rates from top Decatur car insurance companies below to help find the cheapest teen car insurance in Decatur, AL.

Annual Car Insurance Rates for Teen Drivers in Decatur, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,485 $6,965
Farmers $8,778 $9,030
GEICO $4,963 $4,863
Liberty Mutual $11,161 $12,409
Nationwide $4,373 $5,611
Progressive $9,249 $10,307
State Farm $8,429 $10,530
Travelers $7,264 $11,462
USAA $3,789 $4,195

Decatur, AL Car Insurance Rates for Seniors

Before seniors buy Decatur, Alabama car insurance, they should make sure to shop around. Some Decatur, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Decatur, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,727 $1,761
Farmers $2,024 $2,150
GEICO $1,810 $1,872
Liberty Mutual $2,455 $2,745
Nationwide $1,516 $1,566
Progressive $1,801 $1,924
State Farm $2,463 $2,463
Travelers $1,264 $1,259
USAA $1,178 $1,150

Decatur, AL Car Insurance Rates by Credit History

How does your credit history affect Decatur, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Decatur, Alabama

Insurance Company Poor Fair Good
Allstate $3,878 $3,037 $2,484
Farmers $4,448 $3,829 $3,628
GEICO $3,353 $2,393 $2,165
Liberty Mutual $7,432 $4,572 $3,587
Nationwide $3,058 $2,389 $2,162
Progressive $4,610 $3,973 $3,718
State Farm $7,277 $3,683 $2,502
Travelers $3,630 $3,152 $3,213
USAA $2,728 $1,779 $1,589

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Decatur, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Decatur, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Decatur.

Annual Decatur, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,677 $3,143 $3,701 $3,012
Farmers $3,337 $4,320 $4,214 $4,002
GEICO $1,776 $2,863 $3,548 $2,362
Liberty Mutual $4,074 $5,682 $5,543 $5,490
Nationwide $2,225 $2,225 $3,219 $2,478
Progressive $3,694 $4,667 $3,991 $4,049
State Farm $4,034 $5,042 $4,437 $4,437
Travelers $2,776 $2,912 $4,263 $3,376
USAA $1,563 $1,965 $2,909 $1,690

Decatur, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Decatur, AL car insurance rates. Compare rates below to see which Decatur car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Decatur, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,701
Farmers $4,214
GEICO $3,548
Liberty Mutual $5,543
Nationwide $3,219
Progressive $3,991
State Farm $4,437
Travelers $4,263
USAA $2,909

Decatur, AL Car Insurance Rates by ZIP Code

Just like Decatur car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Decatur, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Decatur, Alabama

ZIP Code Average Annual Rates
35601 $3,551
35603 $3,618

Decatur, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Decatur, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Decatur companies based on commute time.

Annual Car Insurance Rates by Commute Length in Decatur, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,133 $3,133
Farmers $3,968 $3,968
GEICO $2,591 $2,683
Liberty Mutual $5,197 $5,197
Nationwide $2,537 $2,537
Progressive $4,100 $4,100
State Farm $4,379 $4,596
Travelers $3,332 $3,332
USAA $1,939 $2,125

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Decatur, AL Cheapest Car Insurance Rates

How do the top Decatur, Alabama car insurance companies’ average rates stack up against the Decatur average monthly car insurance rates of $291? Take a look and see.

Best Annual Car Insurance Rates by Company in Decatur, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Decatur, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Decatur, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Decatur, Alabama

Insurance Company Average Annual Rates
Allstate $3,133
Farmers $3,968
GEICO $2,637
Liberty Mutual $5,197
Nationwide $2,537
Progressive $4,100
State Farm $4,488
Travelers $3,332
USAA $2,032

Other Factors Affecting Decatur, AL Car Insurance Rates

Before you buy Decatur, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Decatur, AL Car Theft Rates

The car theft rate in Decatur, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Decatur, Alabama is 171 stolen cars.

Decatur, AL Commute Time

How does your Decatur, AL commute time compare with the average driver? In Decatur, the average commute is 19.0 minutes.

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Decatur, AL Car Insurance Quotes

Compare Decatur, AL car insurance quotes from multiple companies by entering your ZIP code now.