Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Decatur, IL are $266/month
  • The cheapest car insurance company in Decatur for teen drivers is Liberty Mutual
  • Average car insurance rates in Decatur, IL for senior drivers are $1,815/year

Average car insurance rates in Decatur, Illinois are $266 a month. But with a little research you can get a great deal from the top car insurance companies in Decatur, IL. Before you buy Decatur, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Decatur car insurance rates with Peoria car insurance rates, Aurora car insurance rates, or Chicago car insurance rates to make sure you’re getting the best Decatur, IL car insurance quotes available.

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

Decatur, IL Minimum Car Insurance Coverage

Decatur, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Decatur, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Decatur, IL Car Insurance Rates by Coverage Level

Some Decatur drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your Decatur, Illinois car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Decatur, Illinois

Insurance Company Low Medium High
Allstate $4,917 $5,061 $5,220
American Family $3,519 $3,796 $3,670
Farmers $4,297 $4,415 $4,871
GEICO $2,321 $2,562 $2,830
Liberty Mutual $2,030 $2,145 $2,273
Nationwide $2,837 $2,877 $2,843
Progressive $2,957 $3,283 $3,667
State Farm $2,297 $2,451 $2,593
Travelers $2,184 $2,351 $2,528
USAA $2,766 $2,972 $3,186

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

Decatur, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Decatur, IL 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, Illinois

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 $3,212 $3,227 $3,361 $3,361 $8,406 $10,924 $3,862 $4,175
American Family $2,269 $2,269 $2,080 $2,080 $6,460 $8,937 $2,269 $2,929
Farmers $2,392 $2,392 $2,117 $2,244 $10,518 $10,974 $2,733 $2,851
GEICO $1,605 $1,632 $1,555 $1,893 $4,884 $5,058 $2,024 $1,916
Liberty Mutual $1,322 $1,425 $1,099 $1,228 $4,398 $4,890 $1,380 $1,453
Nationwide $1,810 $1,840 $1,612 $1,705 $5,022 $6,432 $2,113 $2,285
Progressive $1,901 $1,783 $1,570 $1,654 $7,004 $7,848 $2,248 $2,411
State Farm $1,510 $1,510 $1,361 $1,361 $4,481 $5,676 $1,710 $1,968
Travelers $1,467 $1,547 $1,354 $1,442 $4,342 $5,504 $1,548 $1,630
USAA $1,751 $1,774 $1,631 $1,599 $5,810 $6,392 $2,313 $2,529

Decatur, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Decatur, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,406 $10,924
American Family $6,460 $8,937
Farmers $10,518 $10,974
GEICO $4,884 $5,058
Liberty Mutual $4,398 $4,890
Nationwide $5,022 $6,432
Progressive $7,004 $7,848
State Farm $4,481 $5,676
Travelers $4,342 $5,504
USAA $5,810 $6,392

Decatur, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Decatur, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,361 $3,361
American Family $2,080 $2,080
Farmers $2,117 $2,244
GEICO $1,555 $1,893
Liberty Mutual $1,099 $1,228
Nationwide $1,612 $1,705
Progressive $1,570 $1,654
State Farm $1,361 $1,361
Travelers $1,354 $1,442
USAA $1,631 $1,599

Decatur, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Decatur, Illinois

Insurance Company Poor Fair Good
Allstate $6,447 $4,668 $4,083
American Family $4,865 $3,316 $2,805
Farmers $5,134 $4,330 $4,118
GEICO $4,123 $2,017 $1,573
Liberty Mutual $3,032 $1,900 $1,515
Nationwide $3,400 $2,751 $2,407
Progressive $3,766 $3,193 $2,948
State Farm $3,556 $2,131 $1,654
Travelers $2,867 $2,317 $1,879
USAA $3,953 $2,724 $2,248

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Decatur, IL Car Insurance Rates by Driver History

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

Annual Decatur, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,597 $6,163 $5,753 $4,752
American Family $2,691 $3,826 $5,079 $3,052
Farmers $3,821 $4,934 $4,811 $4,544
GEICO $1,872 $2,601 $3,469 $2,342
Liberty Mutual $1,792 $2,540 $2,232 $2,032
Nationwide $2,302 $2,974 $3,493 $2,641
Progressive $2,718 $4,044 $3,017 $3,430
State Farm $2,226 $2,668 $2,447 $2,447
Travelers $1,869 $2,450 $2,755 $2,344
USAA $2,110 $3,054 $4,186 $2,548

Decatur, IL Car Insurance Rates With a DUI

Even a single DUI can increase your Decatur, IL 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, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,753
American Family $5,079
Farmers $4,811
GEICO $3,469
Liberty Mutual $2,232
Nationwide $3,493
Progressive $3,017
State Farm $2,447
Travelers $2,755
USAA $4,186

Decatur, IL 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, IL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Decatur, Illinois

ZIP Code Average Annual Rates
62521 $3,153
62522 $3,140
62523 $3,183
62526 $3,145

Decatur, IL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Decatur, IL 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, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,066 $5,066
American Family $3,615 $3,709
Farmers $4,528 $4,528
GEICO $2,525 $2,617
Liberty Mutual $2,149 $2,149
Nationwide $2,852 $2,852
Progressive $3,302 $3,302
State Farm $2,384 $2,510
Travelers $2,262 $2,446
USAA $2,891 $3,058

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Decatur, IL Cheapest Car Insurance Rates

How do the top Decatur, Illinois car insurance companies’ average rates stack up against the Decatur average monthly car insurance rates of $266? Take a look and see.

Best Annual Car Insurance Rates by Company in Decatur, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Travelers
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

Decatur, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Decatur, Illinois

Insurance Company Average Annual Rates
Allstate $5,066
American Family $3,662
Farmers $4,528
GEICO $2,571
Liberty Mutual $2,149
Nationwide $2,852
Progressive $3,302
State Farm $2,447
Travelers $2,354
USAA $2,975

Other Factors Affecting Decatur, IL Car Insurance Rates

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

Decatur, IL Commute Time

How does your Decatur, IL commute time compare with the average driver? In Decatur, the average commute is 16.5 minutes.

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Decatur, IL Car Insurance Quotes

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