Cheapest Car Insurance Quotes in Decatur

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Decatur Car Insurance

^$ 50

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Decatur

The car insurance rate in Decatur is $1432 for a six-month policy, which is $379 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $509, making it a popular choice for budget-conscious drivers. Rates in Decatur can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Decatur

$1432

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Decatur

1st place: Country Financial

At $509 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $670 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $986 for six months, making it the third cheapest auto insurance company in Decatur.

Decatur Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Decatur, GA is Country Financial, offering policies at just $509 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $670.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2302 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Decatur drivers find the best deals.

Cheap Car Insurance Companies in Decatur, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$509	$84
Auto-Owners Insurance Co	$670	$114
Georgia Farm Bureau	$986	$165
Farm Bureau	$1083	$184
Auto-Owners	$1519	$256
USAA	$1519	$256
Progressive	$1567	$264
Mercury	$1810	$307
Allstate	$1850	$311
Esurance P&C Ins Co	$1948	$330
State Farm	$2302	$388

Key Takeaways

Way's key takeaways about car insurance in Decatur

The auto insurance costs in Decatur fall around $509 for six months.
The cheapest auto insurance company in Decatur is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Decatur at $1380 per month.

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Cheapest Minimum Liability Car Insurance in Decatur

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Decatur are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Decatur. Their Average 6 Month Premium is $299. State Farm is the most expensive at $1058 for the same period.

Cheapest Liability Coverage in Decatur, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$299	$50
Georgia Farm Bureau	$404	$68
Farm Bureau	$445	$76
Mercury	$484	$82
Auto-Owners	$500	$84
Country Financial	$517	$87
USAA	$558	$94
Progressive	$566	$95
Central Insurance	$630	$107
Allstate	$913	$152
State Farm	$1058	$178

Cheapest Full Coverage Car Insurance in Decatur

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Decatur is Country Financial at $84 per month and $509 for six months.

Cheapest Full Coverage Car Insurance Quotes in Decatur, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$509	$84
Auto-Owners Insurance Co	$670	$114
Georgia Farm Bureau	$986	$165
Farm Bureau	$1083	$184
Auto-Owners	$1519	$256
USAA	$1519	$256
Progressive	$1567	$264
Mercury	$1810	$307
Allstate	$1850	$311
Esurance P&C Ins Co	$1948	$330
State Farm	$2302	$388

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Average Car Insurance in Decatur by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Decatur, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Decatur, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Decatur's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Decatur

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Decatur,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Decatur at $71 per month. At $8199 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$428	$71
Mercury	$509	$87
Country Financial	$607	$102
Central Insurance	$630	$107
USAA	$2512	$423
Georgia Farm Bureau	$2739	$465
Auto-Owners	$2908	$490
Farm Bureau	$3482	$592
Allstate	$6430	$1072
Progressive	$8199	$1380
State Farm	$8199	$1380

Teen Car Insurance Rates in GA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Decatur, Country Financial is the cheapest car insurance provider. At $420 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Decatur is Allstate, offering rates of around $3441 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$420	$69
Mercury	$492	$84
Farm Bureau	$1083	$181
Progressive	$2052	$350
USAA	$2190	$364
Auto-Owners	$3990	$679
State Farm	$8806	$1467
Allstate	$3441	$574

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Car Insurance Rates with An Accident in Decatur

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Decatur, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Decatur

The cheapest car insurance companies after an at-fault accident in Decatur include AutoOwners Insurance Co and Country Financial, offering $445 and $687, respectively. State Farm is an expensive provider with an average six-month premium of $2819.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$445	$73
Country Financial	$687	$116
Encompass	$759	$126
Central Insurance	$832	$141
Farm Bureau	$1187	$199
Georgia Farm Bureau	$1212	$207
Auto-Owners	$1341	$226
USAA	$1365	$230
Progressive	$1948	$328
Allstate	$2577	$438
State Farm	$2819	$475

Decatur Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Decatur GA. For example, the car insurance in Decatur after a DUI increases to $1470 for a six month policy. While the rate increases by $461 for a six-month policy in the case of a speeding ticket.

Decatur auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1729	$288
One Med/PIP claim	$1729	$294
One comp claim	$1737	$290
Two Med/PIP claims	$1737	$295
Not-at-fault accident	$1745	$291
Two comp claims	$1769	$301
Driving without lights	$2085	$347
Failure to wear a seat belt	$2085	$355
Child safety restraint	$2108	$351
Failure to show documents	$2108	$359
Cell phone violation	$2157	$359
Texting while driving	$2157	$367
Driving too slowly	$2190	$364
Speeding 6 - 10 MPH over limit	$2190	$373
Speeding in school zone	$2190	$364
Speeding 11 - 15 MPH over limit	$2198	$374
Driving with expired registration	$2206	$367
Failure to yield	$2206	$375
Following too closely	$2206	$367
Illegal turn	$2206	$375
Failure to stop at a red light	$2214	$369
Improper passing	$2214	$377
Speeding 16 - 20 MPH over limit	$2214	$369
Wrong way/wrong lane	$2214	$377
Speeding 21 - 25 MPH over limit	$2237	$373
Passing school bus	$2278	$388
In 65 MPH zone	$2286	$381
Open container	$2319	$394
At-fault accident - less than $1000	$2327	$388
Operating a vehicle without permission	$2358	$401
At-fault accident - $1000-$2000	$2536	$423
At-fault accident - greater than $2000	$2553	$434
Refusal to submit to a chemical test	$2989	$498
Reckless driving	$3078	$524
Racing	$3151	$525
Driving with a suspended license	$3159	$537
DUI	$3199	$533
Leaving scene of an accident/hit and run	$3280	$558

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Decatur after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Decatur.

The cheapest car insurance premiums in Decatur are offered by Mercury at $517 for a six-month policy. However, it can be as expensive as $2618 with companies like State Farm.

Decatur car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$517	$88
Auto-Owners Insurance Co	$670	$112
Country Financial	$728	$122
Esurance P&C Ins Co	$1002	$167
Allstate	$1648	$280
Auto-Owners	$1802	$303
Georgia Farm Bureau	$1948	$330
Progressive	$1954	$329
USAA	$1987	$335
Farm Bureau	$2108	$351
State Farm	$2618	$441

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Decatur are offered by AutoOwners Insurance Co at $347. However, it can be as expensive as $2327 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Decatur after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$347	$58
Country Financial	$379	$64
Mercury	$541	$90
Farm Bureau	$1187	$201
USAA	$1495	$249
Auto-Owners	$1535	$261
Progressive	$1616	$269
State Farm	$2472	$420
Allstate	$2327	$388

Car Insurance Price Trends in Decatur, Georgia

Car insurance rates in Decatur have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Decatur dipped by $291 in February compared to $306 of January. In other words, there has been an decrease by $15 when you compare February and January.

The average cost of liability insurance in the Decatur dipped to $97 in February, compared to $98 in January. This represents an decrease of $1 when comparing February and January.

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Average Car Insurance Cost in Decatur by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Decatur. At $1603 for a six-month policy, insuring your car at 30035 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
30035	$1603	$269
30034	$1804	$303
30030	$1661	$279
30033	$1675	$281
30032	$1804	$303

Frequently Asked Questions

How much is car insurance in Decatur?

The car insurance in Decatur is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Decatur?

The cheapest car insurance in Decatur is $84 per month for full coverage.

How much is car insurance in Decatur for teenagers?

Car insurance for teenagers costs $428 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Decatur?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $241 per month to insure your car in Decatur.

Is car insurance expensive in Decatur?

Car insurance can be expensive in Decatur if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Decatur can be affordable.

Cheapest Car Insurance Quotes in Decatur

Why you can trust Way?

How Much Is Car Insurance in Decatur

Avg. Car Insurance in Decatur

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Decatur

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Decatur Car Insurance Rates by Company

Cheap Car Insurance Companies in Decatur, GA

Way's key takeaways about car insurance in Decatur

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Decatur

Cheapest Liability Coverage in Decatur, GA

Cheapest Full Coverage Car Insurance in Decatur

Cheapest Full Coverage Car Insurance Quotes in Decatur, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Decatur by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Decatur, GA increasing?

Car Insurance Premiums by Age in Decatur

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Decatur,GA

If you are in your twenties N/A is the best choice for car insurance in Decatur.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Decatur

Cheapest Car Insurance Companies after an At-Fault Accident in Decatur

Decatur Car Insurance Rates by Violation

Decatur auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Decatur after a DUI

Decatur car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Decatur after Speeding ticket

Car Insurance Price Trends in Decatur, Georgia

Average Car Insurance Cost in Decatur by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Decatur, GA

Car Insurance Rates by State in the USA (2025 Update)

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