Cheapest Car Insurance Quotes in North Decatur

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North Decatur Car Insurance

^$ 45

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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 North Decatur

The car insurance rate in North Decatur is $1252 for a six-month policy, which is $226 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $456, making it a popular choice for budget-conscious drivers. Rates in North 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 North Decatur

$1252

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in North Decatur

1st place: Country Financial

At $456 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 $601 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 $804 for six months, making it the third cheapest auto insurance company in North Decatur.

North Decatur Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Decatur, GA is Country Financial, offering policies at just $456 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $601.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1753 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Decatur drivers find the best deals.

Cheap Car Insurance Companies in North Decatur, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$456	$78
Auto-Owners Insurance Co	$601	$100
Farm Bureau	$804	$137
Georgia Farm Bureau	$885	$148
Auto-Owners	$1290	$217
USAA	$1333	$224
Progressive	$1573	$265
Mercury	$1624	$271
Allstate	$1710	$288
Esurance P&C Ins Co	$1747	$292
State Farm	$1753	$295

Key Takeaways

Way's key takeaways about car insurance in North Decatur

The auto insurance costs in North Decatur fall around $456 for six months.
The cheapest auto insurance company in North Decatur is AutoOwners Insurance Co.
Teen drivers pay the highest rate in North Decatur at $1501 per month.

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Cheapest Minimum Liability Car Insurance in North 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 North Decatur are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in North Decatur. Their Average 6 Month Premium is $268. Allstate is the most expensive at $920 for the same period.

Cheapest Liability Coverage in North Decatur, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$268	$45
Farm Bureau	$340	$57
Georgia Farm Bureau	$362	$61
Auto-Owners	$434	$73
Mercury	$434	$73
Country Financial	$464	$78
USAA	$486	$82
Progressive	$537	$90
Central Insurance	$565	$94
State Farm	$833	$140
Allstate	$920	$155

Cheapest Full Coverage Car Insurance in North 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 North Decatur is Country Financial at $78 per month and $456 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Decatur, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$456	$78
Auto-Owners Insurance Co	$601	$100
Farm Bureau	$804	$137
Georgia Farm Bureau	$885	$148
Auto-Owners	$1290	$217
USAA	$1333	$224
Progressive	$1573	$265
Mercury	$1624	$271
Allstate	$1710	$288
Esurance P&C Ins Co	$1747	$292
State Farm	$1753	$295

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Average Car Insurance in North 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 North Decatur, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in North 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, North 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 North 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	$866
30s	Georgia Farm Bureau	$693
40s	Georgia Farm Bureau	$665
50s	Georgia Farm Bureau	$637
60s	Georgia Farm Bureau	$632
70s	Georgia Farm Bureau	$765

Cheapest Car Insurance Rates for Teen Drivers in North 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 North Decatur at $63 per month. At $8913 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	$384	$63
Mercury	$456	$78
Country Financial	$544	$92
Central Insurance	$565	$96
USAA	$2145	$361
Auto-Owners	$2356	$397
Georgia Farm Bureau	$2457	$410
Farm Bureau	$2566	$437
State Farm	$6355	$1070
Allstate	$6392	$1076
Progressive	$8913	$1501

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 North Decatur.

As young drivers face the highest rates in North Decatur, Georgia Farm Bureau offers the cheapest auto insurance rates at $866 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 North Decatur, Country Financial is the cheapest car insurance provider. At $377 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 North Decatur is State Farm, offering rates of around $5472 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$377	$62
Mercury	$442	$76
Farm Bureau	$804	$134
USAA	$1747	$296
Progressive	$2696	$449
Auto-Owners	$2834	$482
Allstate	$3087	$515
State Farm	$5472	$931

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

Car Insurance Rates with An Accident in North 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 North Decatur, GA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in North Decatur include AutoOwners Insurance Co and Country Financial, offering $399 and $616, respectively. Allstate is an expensive provider with an average six-month premium of $2623.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$399	$66
Country Financial	$616	$104
Encompass	$681	$113
Central Insurance	$747	$127
Farm Bureau	$885	$148
Georgia Farm Bureau	$1087	$185
Auto-Owners	$1102	$185
USAA	$1181	$199
Progressive	$2181	$367
State Farm	$2211	$372
Allstate	$2623	$442

North Decatur Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Decatur GA. For example, the car insurance in North Decatur after a DUI increases to $1318 for a six month policy. While the rate increases by $413 for a six-month policy in the case of a speeding ticket.

North Decatur auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1551	$259
One Med/PIP claim	$1551	$264
One comp claim	$1558	$260
Two Med/PIP claims	$1558	$265
Not-at-fault accident	$1565	$261
Two comp claims	$1587	$270
Driving without lights	$1870	$311
Failure to wear a seat belt	$1870	$318
Child safety restraint	$1891	$315
Failure to show documents	$1891	$322
Cell phone violation	$1935	$322
Texting while driving	$1935	$329
Driving too slowly	$1964	$327
Speeding 6 - 10 MPH over limit	$1964	$334
Speeding in school zone	$1964	$327
Speeding 11 - 15 MPH over limit	$1972	$336
Driving with expired registration	$1979	$329
Failure to yield	$1979	$337
Following too closely	$1979	$329
Illegal turn	$1979	$337
Failure to stop at a red light	$1986	$331
Improper passing	$1986	$338
Speeding 16 - 20 MPH over limit	$1986	$331
Wrong way/wrong lane	$1986	$338
Speeding 21 - 25 MPH over limit	$2007	$334
Passing school bus	$2044	$348
In 65 MPH zone	$2051	$342
Open container	$2080	$354
At-fault accident - less than $1000	$2087	$348
Operating a vehicle without permission	$2115	$360
At-fault accident - $1000-$2000	$2275	$379
At-fault accident - greater than $2000	$2290	$389
Refusal to submit to a chemical test	$2682	$447
Reckless driving	$2761	$470
Racing	$2827	$471
Driving with a suspended license	$2834	$482
DUI	$2869	$478
Leaving scene of an accident/hit and run	$2943	$500

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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 North 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 North Decatur.

The cheapest car insurance premiums in North Decatur are offered by Mercury at $464 for a six-month policy. However, it can be as expensive as $2087 with companies like Progressive.

North Decatur car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$464	$79
Auto-Owners Insurance Co	$601	$100
Country Financial	$653	$110
Esurance P&C Ins Co	$899	$150
Auto-Owners	$1435	$242
Farm Bureau	$1558	$260
USAA	$1688	$284
Georgia Farm Bureau	$1747	$292
State Farm	$1891	$318
Allstate	$2000	$337
Progressive	$2087	$351

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 North Decatur are offered by AutoOwners Insurance Co at $311. However, it can be as expensive as $2369 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in North Decatur after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$311	$52
Country Financial	$340	$57
Mercury	$486	$83
Farm Bureau	$885	$148
Auto-Owners	$1080	$183
USAA	$1174	$195
State Farm	$1536	$261
Allstate	$2087	$348
Progressive	$2369	$403

Car Insurance Price Trends in North Decatur, Georgia

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

The average cost of full coverage in the North Decatur rose by $275 in December compared to $270 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the North Decatur rose to $88 in December, compared to $83 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in North Decatur?

The car insurance in North Decatur is $45 per month, which is lower than the national average.

What is the cheapest car insurance in North Decatur?

The cheapest car insurance in North Decatur is $78 per month for full coverage.

How much is car insurance in North Decatur for teenagers?

Car insurance for teenagers costs $384 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 North Decatur?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $210 per month to insure your car in North Decatur.

Is car insurance expensive in North Decatur?

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

Cheapest Car Insurance Quotes in North Decatur

Why you can trust Way?

How Much Is Car Insurance in North Decatur

Avg. Car Insurance in North Decatur

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in North Decatur

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

North Decatur Car Insurance Rates by Company

Cheap Car Insurance Companies in North Decatur, GA

Way's key takeaways about car insurance in North Decatur

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Decatur

Cheapest Liability Coverage in North Decatur, GA

Cheapest Full Coverage Car Insurance in North Decatur

Cheapest Full Coverage Car Insurance Quotes in North Decatur, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Decatur by Rating Factor

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

Car Insurance Premiums by Age in North Decatur

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Decatur,GA

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

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

North Decatur Car Insurance Rates by Violation

North Decatur auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Decatur after a DUI

North Decatur car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Decatur after Speeding ticket

Car Insurance Price Trends in North Decatur, Georgia

Average Car Insurance Cost in North Decatur by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Decatur, GA

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

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