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

  • The annual number of car thefts in Decatur is 10.
  • Average car insurance rates in Decatur, IN for senior drivers are $1,582/year
  • Average car insurance rates in Decatur, IN are $251/month

Average car insurance rates in Decatur, Indiana are $251 a month. But with a little research you can get a great deal from the top car insurance companies in Decatur, IN. Before you buy Decatur, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.

It may even be helpful to compare Decatur car insurance rates with South Bend car insurance rates, Indianapolis car insurance rates, or Fishers car insurance rates to make sure you’re getting the best Decatur, IN car insurance quotes available.

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

Decatur, IN Minimum Car Insurance Coverage

Decatur, Indiana 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, Indiana

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, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Decatur, Indiana

Insurance Company Low Medium High
Allstate $3,667 $3,830 $4,034
American Family $3,333 $3,473 $3,277
Farmers $3,162 $3,275 $3,412
GEICO $1,869 $1,992 $2,132
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,325 $2,268 $2,267
Progressive $3,014 $3,143 $3,424
State Farm $2,044 $2,149 $2,256
Travelers $2,899 $2,983 $2,985
USAA $1,393 $1,437 $1,492

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

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

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 $2,365 $2,419 $2,080 $2,271 $7,350 $9,254 $2,399 $2,610
American Family $2,109 $2,109 $1,897 $1,897 $5,778 $8,378 $2,109 $2,606
Farmers $1,485 $1,464 $1,270 $1,428 $8,010 $8,531 $1,958 $2,117
GEICO $1,369 $1,360 $1,284 $1,329 $3,993 $3,708 $1,563 $1,378
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,423 $1,456 $1,252 $1,335 $4,069 $5,279 $1,662 $1,816
Progressive $1,364 $1,290 $1,240 $1,246 $7,986 $8,983 $1,703 $1,737
State Farm $1,309 $1,309 $1,170 $1,170 $4,024 $5,150 $1,450 $1,614
Travelers $1,071 $1,089 $1,007 $1,006 $6,606 $10,425 $1,134 $1,308
USAA $922 $909 $855 $863 $2,545 $2,852 $1,245 $1,336

Decatur, IN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Decatur, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,350 $9,254
American Family $5,778 $8,378
Farmers $8,010 $8,531
GEICO $3,993 $3,708
Liberty Mutual $8,383 $12,656
Nationwide $4,069 $5,279
Progressive $7,986 $8,983
State Farm $4,024 $5,150
Travelers $6,606 $10,425
USAA $2,545 $2,852

Decatur, IN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Decatur, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,080 $2,271
American Family $1,897 $1,897
Farmers $1,270 $1,428
GEICO $1,284 $1,329
Liberty Mutual $3,522 $3,522
Nationwide $1,252 $1,335
Progressive $1,240 $1,246
State Farm $1,170 $1,170
Travelers $1,007 $1,006
USAA $855 $863

Decatur, IN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Decatur, Indiana

Insurance Company Poor Fair Good
Allstate $4,758 $3,550 $3,223
American Family $4,594 $2,986 $2,501
Farmers $3,832 $3,123 $2,894
GEICO $2,401 $1,998 $1,595
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $2,600 $2,201 $2,059
Progressive $3,521 $3,119 $2,941
State Farm $3,131 $1,868 $1,449
Travelers $3,290 $2,790 $2,787
USAA $1,946 $1,281 $1,096

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Decatur, IN Car Insurance Rates by Driver History

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

Annual Decatur, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,058 $4,502 $4,164 $3,652
American Family $2,315 $3,701 $4,670 $2,757
Farmers $2,937 $3,423 $3,529 $3,243
GEICO $1,314 $2,066 $2,791 $1,820
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $1,971 $2,531 $2,428 $2,216
Progressive $2,401 $4,187 $2,858 $3,327
State Farm $2,098 $2,305 $2,098 $2,098
Travelers $2,512 $3,103 $3,514 $2,694
USAA $1,090 $1,547 $1,776 $1,350

Decatur, IN Car Insurance Rates With a DUI

Even a single DUI can increase your Decatur, IN 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, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,164
American Family $4,670
Farmers $3,529
GEICO $2,791
Liberty Mutual $8,085
Nationwide $2,428
Progressive $2,858
State Farm $2,098
Travelers $3,514
USAA $1,776

Decatur, IN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Decatur, IN 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, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,844 $3,844
American Family $3,320 $3,401
Farmers $3,283 $3,283
GEICO $1,963 $2,033
Liberty Mutual $5,455 $5,752
Nationwide $2,287 $2,287
Progressive $3,194 $3,194
State Farm $2,089 $2,210
Travelers $2,956 $2,956
USAA $1,422 $1,460

Decatur, IN Cheapest Car Insurance Rates

How do the top Decatur, Indiana car insurance companies’ average rates stack up against the Decatur average monthly car insurance rates of $251? Take a look and see.

Best Annual Car Insurance Rates by Company in Decatur, Indiana

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

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Decatur, IN Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Decatur, Indiana

Insurance Company Average Annual Rates
Allstate $3,844
American Family $3,361
Farmers $3,283
GEICO $1,998
Liberty Mutual $5,604
Nationwide $2,287
Progressive $3,194
State Farm $2,150
Travelers $2,956
USAA $1,441

Other Factors Affecting Decatur, IN Car Insurance Rates

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

Decatur, IN Car Theft Rates

The car theft rate in Decatur, IN will affect your car insurance rates. FBI data shows that the annual car theft rate for Decatur, Indiana is 10 stolen cars.

Decatur, IN Commute Time

How does your Decatur, IN commute time compare with the average driver? In Decatur, the average commute is 19.6 minutes.

Decatur, IN Car Insurance Quotes

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