Cheapest Car Insurance Quotes in Decatur

Finding the cheapest car insurance quotes in Decatur shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

401,895 Policies Sold

Decatur Car Insurance

^$ 48

/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 $1334 for a six-month policy, which is $308 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, 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

$1334

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Decatur

1st place: Country Financial

At $486 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 $641 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $857 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 $486 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $641.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1868 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	$486	$83
Auto-Owners Insurance Co	$641	$107
Farm Bureau	$857	$146
Georgia Farm Bureau	$943	$157
Auto-Owners	$1374	$231
USAA	$1421	$239
Progressive	$1676	$282
Mercury	$1730	$289
Allstate	$1823	$307
Esurance P&C Ins Co	$1862	$311
State Farm	$1868	$315

Key Takeaways

Way's key takeaways about car insurance in Decatur

The auto insurance costs in Decatur fall around $486 for six months.
The cheapest auto insurance company in Decatur is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Decatur at $1599 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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 $286. Allstate is the most expensive at $980 for the same period.

Cheapest Liability Coverage in Decatur, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$286	$48
Farm Bureau	$363	$61
Georgia Farm Bureau	$386	$65
Auto-Owners	$463	$78
Mercury	$463	$78
Country Financial	$494	$83
USAA	$517	$87
Progressive	$572	$96
Central Insurance	$602	$100
State Farm	$888	$150
Allstate	$980	$165

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 $83 per month and $486 for six months.

Cheapest Full Coverage Car Insurance Quotes in Decatur, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$486	$83
Auto-Owners Insurance Co	$641	$107
Farm Bureau	$857	$146
Georgia Farm Bureau	$943	$157
Auto-Owners	$1374	$231
USAA	$1421	$239
Progressive	$1676	$282
Mercury	$1730	$289
Allstate	$1823	$307
Esurance P&C Ins Co	$1862	$311
State Farm	$1868	$315

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Decatur Instantly!

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$923
30s	Georgia Farm Bureau	$738
40s	Georgia Farm Bureau	$709
50s	Georgia Farm Bureau	$679
60s	Georgia Farm Bureau	$673
70s	Georgia Farm Bureau	$815

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 $68 per month. At $9498 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$410	$68
Mercury	$486	$83
Country Financial	$580	$98
Central Insurance	$602	$103
USAA	$2285	$385
Auto-Owners	$2510	$423
Georgia Farm Bureau	$2618	$437
Farm Bureau	$2734	$465
State Farm	$6772	$1140
Allstate	$6811	$1147
Progressive	$9498	$1599

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Decatur.

As young drivers face the highest rates in Decatur, Georgia Farm Bureau offers the cheapest auto insurance rates at $923 for six months.

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 $402 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 State Farm, offering rates of around $5831 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$402	$66
Mercury	$471	$81
Farm Bureau	$857	$143
USAA	$1862	$316
Progressive	$2873	$478
Auto-Owners	$3020	$514
Allstate	$3289	$549
State Farm	$5831	$992

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Decatur.

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 $425 and $657, respectively. Allstate is an expensive provider with an average six-month premium of $2795.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$425	$70
Country Financial	$657	$111
Encompass	$725	$121
Central Insurance	$796	$135
Farm Bureau	$943	$157
Georgia Farm Bureau	$1158	$198
Auto-Owners	$1174	$198
USAA	$1258	$212
Progressive	$2324	$391
State Farm	$2356	$397
Allstate	$2795	$471

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 $1406 for a six month policy. While the rate increases by $441 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	$1652	$276
One Med/PIP claim	$1652	$281
One comp claim	$1660	$277
Two Med/PIP claims	$1660	$282
Not-at-fault accident	$1668	$278
Two comp claims	$1691	$287
Driving without lights	$1993	$332
Failure to wear a seat belt	$1993	$339
Child safety restraint	$2015	$335
Failure to show documents	$2015	$343
Cell phone violation	$2062	$343
Texting while driving	$2062	$351
Driving too slowly	$2093	$348
Speeding 6 - 10 MPH over limit	$2093	$356
Speeding in school zone	$2093	$348
Speeding 11 - 15 MPH over limit	$2101	$358
Driving with expired registration	$2109	$351
Failure to yield	$2109	$359
Following too closely	$2109	$351
Illegal turn	$2109	$359
Failure to stop at a red light	$2116	$352
Improper passing	$2116	$360
Speeding 16 - 20 MPH over limit	$2116	$352
Wrong way/wrong lane	$2116	$360
Speeding 21 - 25 MPH over limit	$2139	$356
Passing school bus	$2178	$371
In 65 MPH zone	$2185	$364
Open container	$2217	$377
At-fault accident - less than $1000	$2224	$371
Operating a vehicle without permission	$2254	$384
At-fault accident - $1000-$2000	$2425	$404
At-fault accident - greater than $2000	$2440	$415
Refusal to submit to a chemical test	$2857	$476
Reckless driving	$2942	$501
Racing	$3012	$502
Driving with a suspended license	$3020	$514
DUI	$3058	$510
Leaving scene of an accident/hit and run	$3136	$533

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $494 for a six-month policy. However, it can be as expensive as $2224 with companies like Progressive.

Decatur car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$494	$85
Auto-Owners Insurance Co	$641	$107
Country Financial	$696	$117
Esurance P&C Ins Co	$958	$160
Auto-Owners	$1529	$257
Farm Bureau	$1660	$277
USAA	$1799	$303
Georgia Farm Bureau	$1862	$311
State Farm	$2015	$339
Allstate	$2131	$359
Progressive	$2224	$374

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 $332. However, it can be as expensive as $2525 with companies like Progressive 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	$332	$56
Country Financial	$363	$61
Mercury	$517	$88
Farm Bureau	$943	$157
Auto-Owners	$1151	$195
USAA	$1251	$208
State Farm	$1637	$278
Allstate	$2224	$371
Progressive	$2525	$429

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 remained steady at $293 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Decatur remained steady at $94 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

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 $1493 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	$1493	$250
30034	$1680	$281
30030	$1547	$259
30033	$1560	$261
30032	$1680	$281

Frequently Asked Questions

How much is car insurance in Decatur?

The car insurance in Decatur is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Decatur?

The cheapest car insurance in Decatur is $83 per month for full coverage.

How much is car insurance in Decatur for teenagers?

Car insurance for teenagers costs $410 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 $1026 for a six-month policy. It will cost around $224 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: 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 Georgia Farm Bureau 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)

Featured Blogs

Data Sources