Cheapest Car Insurance Quotes in Decatur

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Decatur Car Insurance

^$ 23

/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 $808 for a six-month policy, which is $8 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, 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

$808

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Decatur

1st place: AutoOwners Insurance Co

At $424 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $446 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $446 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, TN is AutoOwners Insurance Co, offering policies at just $424 for a six-month term. This is followed by Erie, which has an average six-month premium of $446.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1352 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, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$424	$70
Erie	$446	$76
Westfield	$446	$74
Tennessee Farm Bureau	$476	$81
Travelers	$664	$112
Farmers	$806	$136
USAA	$812	$137
Grange	$818	$138
Farm Bureau of Tennessee	$846	$142
Tennessee Farmers	$946	$161
Penn National	$1024	$170
State Farm	$1118	$190
Nationwide	$1135	$189
Progressive	$1352	$230

Key Takeaways

Way's key takeaways about car insurance in Decatur

The auto insurance costs in Decatur fall around $424 for six months.
The cheapest auto insurance company in Decatur is Westfield.
Teen drivers pay the highest rate in Decatur at $48 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.

Westfield provides the cheapest minimum car insurance coverage in Decatur. Their Average 6 Month Premium is $136. AutoOwners is the most expensive at $194 for the same period.

Cheapest Liability Coverage in Decatur, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
Auto-Owners Insurance Co	$158	$27
Tennessee Farm Bureau	$164	$28
Farm Bureau of Tennessee	$170	$29
Tennessee Farmers	$194	$33
USAA	$194	$33
Cincinnati	$200	$34
Erie	$212	$36
Travelers	$212	$36
Farmers	$224	$38
Penn National	$242	$41
Progressive	$264	$45
State Farm	$264	$45
Allstate	$430	$73
Auto-Owners	$194	$33

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 AutoOwners Insurance Co at $70 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Decatur, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$424	$70
Erie	$446	$76
Westfield	$446	$74
Tennessee Farm Bureau	$476	$81
Travelers	$664	$112
Farmers	$806	$136
USAA	$812	$137
Grange	$818	$138
Farm Bureau of Tennessee	$846	$142
Tennessee Farmers	$946	$161
Penn National	$1024	$170
State Farm	$1118	$190
Nationwide	$1135	$189
Progressive	$1352	$230

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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, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Decatur, Tennessee, may be increasing due to several external factors. Tennessee 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	Penn National	$600
30s	Penn National	$413
40s	Penn National	$374
50s	Penn National	$347
60s	Penn National	$363
70s	Penn National	$418

Cheapest Car Insurance Rates for Teen Drivers in Decatur,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Decatur at $27 per month. At $282 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$27
USAA	$188	$32
Tennessee Farm Bureau	$224	$38
Travelers	$224	$38
Auto-Owners Insurance Co	$236	$40
Farmers	$252	$43
Grange	$252	$43
Progressive	$252	$43
Cincinnati	$258	$44
Erie	$258	$44
State Farm	$282	$48

Teen Car Insurance Rates in TN by Age

Way Tip

If you are in your twenties Penn National is the best choice for car insurance in Decatur.

As young drivers face the highest rates in Decatur, Penn National offers the cheapest auto insurance rates at $600 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, Tennessee Farm Bureau is the cheapest car insurance provider. At $188 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 Erie, offering rates of around $370 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$188	$32
Westfield	$247	$42
Grange	$294	$50
Farmers	$318	$52
Progressive	$318	$54
Travelers	$318	$52
Cincinnati	$347	$59
Erie	$370	$61

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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, TN, 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 Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $164 and $170, respectively. Grange is an expensive provider with an average six-month premium of $318.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$164	$28
Farm Bureau of Tennessee	$170	$29
Westfield	$230	$39
USAA	$247	$42
Farmers	$252	$43
Travelers	$258	$44
Progressive	$270	$46
Erie	$288	$49
State Farm	$288	$49
Auto-Owners Insurance Co	$294	$50
Grange	$318	$52

Decatur Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Decatur TN. For example, the car insurance in Decatur after a DUI increases to $982 for a six month policy. While the rate increases by $188 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	$982	$163
Not-at-fault accident	$988	$168
One Med/PIP claim	$994	$165
One comp claim	$1006	$171
Two comp claims	$1018	$169
Two Med/PIP claims	$1018	$173
Failure to wear a seat belt	$1129	$188
Failure to show documents	$1146	$195
Child safety restraint	$1152	$192
Driving without lights	$1152	$196
Cell phone violation	$1170	$195
Driving with expired registration	$1170	$199
Speeding 6 - 10 MPH over limit	$1170	$195
Driving too slowly	$1176	$200
Speeding 11 - 15 MPH over limit	$1176	$196
Speeding in school zone	$1176	$200
Failure to yield	$1182	$197
Following too closely	$1182	$201
Illegal turn	$1182	$197
Speeding 16 - 20 MPH over limit	$1182	$201
Texting while driving	$1182	$197
Improper passing	$1194	$203
Wrong way/wrong lane	$1194	$199
Failure to stop at a red light	$1200	$204
In 65 MPH zone	$1218	$203
Speeding 21 - 25 MPH over limit	$1246	$212
At-fault accident - less than $1000	$1264	$211
Passing school bus	$1264	$215
Operating a vehicle without permission	$1340	$224
Open container	$1352	$230
At-fault accident - $1000-$2000	$1458	$244
At-fault accident - greater than $2000	$1458	$248
Reckless driving	$1840	$307
Racing	$1846	$314
Driving with a suspended license	$1894	$316
Refusal to submit to a chemical test	$1929	$328
DUI	$1964	$328
Leaving scene of an accident/hit and run	$1964	$334

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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 Tennessee Farm Bureau at $258 for a six-month policy. However, it can be as expensive as $1623 with companies like Allstate.

Decatur car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$258	$44
Farmers	$300	$50
Erie	$306	$52
Grange	$400	$66
Travelers	$494	$83
State Farm	$712	$120
Progressive	$741	$125
USAA	$841	$142
Tennessee Farmers	$1140	$194
Allstate	$1623	$270

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 Westfield at $158. However, it can be as expensive as $270 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
Westfield	$158	$27
Tennessee Farm Bureau	$164	$28
Erie	$188	$32
Auto-Owners Insurance Co	$230	$39
State Farm	$230	$39
Cincinnati	$242	$41
Travelers	$258	$44
Chubb	$264	$45
Progressive	$270	$46

Car Insurance Price Trends in Decatur, Tennessee

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 $95 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 $37 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Decatur?

The car insurance in Decatur is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Decatur?

The cheapest car insurance in Decatur is $70 per month for full coverage.

How much is car insurance in Decatur for teenagers?

Car insurance for teenagers costs $158 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 $816 for a six-month policy. It will cost around $136 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 Tennessee

National Average

Cheapest Car Insurance Companies in Decatur

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Decatur Car Insurance Rates by Company

Cheap Car Insurance Companies in Decatur, TN

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, TN

Cheapest Full Coverage Car Insurance in Decatur

Cheapest Full Coverage Car Insurance Quotes in Decatur, TN

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, TN 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,TN

If you are in your twenties Penn National 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, Tennessee

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, TN

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

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