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Licensed auto and home insurance agent
4+ years in content creation and marketing
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Updated
The average cost of state-minimum car insurance in Decatur is $257 per month, while the average full-coverage rate is $397 per month.
Decatur’s rates are among the highest in the whole state — higher than in Atlanta — but lower than neighboring Lithonia’s average rates. In general, Decatur drivers pay much more than the average cost of car insurance in Georgia.
Decatur drivers have an average commute time of 26 minutes, which is just below the national average.
Decatur has a higher property crime rate than the state average and a high vehicle theft rate, making it risky to insure a vehicle in the city. Insurers consider these factors when setting car insurance rates, so drivers in Decatur often pay higher average rates than drivers in many other towns in Georgia.
Georgia’s minimum car insurance requirements are fairly basic, with drivers only legally needing to carry bodily injury liability and property damage liability insurance.[1] The average liability rate in Decatur is $257, higher than the Georgia average of $156.
Auto-Owners has the cheapest average liability rates in Decatur, at $115 per month. State Farm and Country Financial offer the next-cheapest liability auto insurance coverage.
The table below shows the cheapest liability car insurance rates in Decatur.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $115 |
| State Farm | $123 |
| Country Financial | $124 |
| Allstate | $135 |
| Mile Auto | $145 |
| USAA | $145 |
| Progressive | $154 |
| Mercury | $201 |
| Root | $228 |
| Bristol West | $231 |
| GEICO | $231 |
| Clearcover | $241 |
| GAINSCO | $248 |
| Direct Auto | $250 |
| The General | $261 |
| AssuranceAmerica | $263 |
| National General | $281 |
| Safeco | $281 |
| Trexis One | $283 |
| Mendota | $296 |
| First Acceptance | $305 |
| Insurify Car | $305 |
| Trexis | $311 |
| Excepsure | $314 |
| Hugo | $429 |
| Liberty Mutual | $500 |
Pay your first week’s premium and get immediate proof of insurance
Decatur has a high property crime rate and high vehicle theft rates, making full-coverage car insurance a good option. Additionally, in 2024, DeKalb County — where Decatur is located — had 36,022 crashes, and 5% of Decatur drivers have an accident on their record.[2] This type of insurance policy includes both collision coverage and comprehensive coverage to protect your vehicle in the event of theft, vandalism, or accident.
Auto-Owners has the cheapest full-coverage car insurance in Decatur, with an average rate of $204 per month. This rate is below both Decatur’s full-coverage monthly average of $397 and Georgia’s full-coverage average of $259 per month.
Take a look at the cheapest average rates for full-coverage car insurance in Decatur.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $204 |
| State Farm | $219 |
| Country Financial | $222 |
| Allstate | $239 |
| Mile Auto | $256 |
| USAA | $256 |
| Progressive | $311 |
| Mercury | $343 |
| Root | $347 |
| Safeco | $376 |
| AssuranceAmerica | $423 |
| GEICO | $426 |
| Direct Auto | $434 |
| Clearcover | $442 |
| National General | $446 |
| Bristol West | $454 |
| GAINSCO | $516 |
| Mendota | $544 |
| Trexis One | $544 |
| The General | $555 |
| Trexis | $599 |
| First Acceptance | $602 |
| Liberty Mutual | $608 |
The average cost of car insurance coverage in Decatur is only slightly higher than in neighboring Clarkston, but both are much higher than the state average. In fact, Lithonia is the only city in Georgia with an average full-coverage car insurance rate higher than Decatur’s.
Decatur’s high car insurance rates are likely due to the city’s high vehicle theft and property crime rates. Insurers weigh these factors heavily when setting rates, so this increased risk typically results in higher rates.
Take a look at the table below to see how average car insurance rates vary across other cities in Georgia.
City | Average Monthly Quote |
|---|---|
| Albany | $190 |
| Alpharetta | $203 |
| Athens | $177 |
| Atlanta | $282 |
| Augusta | $192 |
| Columbus | $187 |
| Decatur | $327 |
| Dallas | $234 |
| Dalton | $145 |
| Gainesville | $192 |
| Lawrenceville | $250 |
| Macon | $241 |
| Marietta | $235 |
| Savannah | $223 |
| Valdosta | $145 |
| Warner-Robins | $196 |
| Woodstock | $206 |
Decatur drivers face expensive car insurance rates for a few reasons. Decatur is part of DeKalb County, which had the 40th-highest vehicle theft rate in the country in the first half of 2025. Decatur also has a higher property crime rate than the Georgia state average.
Accidents are also a factor, with DeKalb County recording 36,022 crashes in 2024, which increases rates for all drivers in the area.
Finally, Decatur roads are prone to flooding — specifically North Decatur Road — and this can cause damage to cars and subsequent claims. The city is currently working on an intersection improvement to mitigate this issue.[3]
Liability car insurance in Decatur costs an average of $257 per month, higher than the average cost of liability car insurance in Georgia.
*Quotes generated for Insurify users in and around Decatur, Georgia within the last 10 days. Last updated on August 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Decatur, Georgia within the last 10 days. Last updated on August 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers with clean records almost always pay the lowest rates in comparison to high-risk drivers, and that’s no exception in Decatur. Take a look at the cheapest car insurance companies for people with different driving records in Decatur:
Cheapest car insurance for Decatur drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Decatur: Auto-Owners
Cheapest car insurance for Decatur drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Decatur: Auto-Owners
Georgia is an at-fault state for insurance, which means average premiums are often lower than in no-fault states. And even if you have an infraction or two on your driving record, you can still find affordable car insurance in Decatur.
According to Insurify data, 3% of Decatur drivers have a speeding ticket, 5% have a car accident, and 0.5% have a DUI. The table below shows the average monthly car insurance rate in Decatur based on different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $327 |
| Speeding ticket | $410 |
| At-fault accident | $448 |
| DUI | $397 |
Driving in Decatur can be more dangerous than you might expect. Decatur is in DeKalb County, which had 112 traffic fatalities in 2024. Decatur has taken steps to make roads safer, instituting 25 mph speed limits on many city streets.[4] The city actually reduced the speed limit by 5 mph on five main streets, including Scott Boulevard, College Avenue, South Candler Street, Clairemont Avenue, and Commerce Drive.
Decatur also implemented Georgia’s first red-light camera at the intersection of Clairemont Avenue and Scott Boulevard to deter speeders. The city has a moderate risk for flooding and is actively working to address it. In the meantime, it’s a good idea to never drive through deep puddles, as your vehicle can get stuck quite easily.
Decatur is just outside Atlanta and sits between Interstate 20 and I-285, which drivers use to enter and exit the city.
Atlanta’s MARTA public transit system doesn’t provide sufficient coverage in the surrounding suburbs, so many commuters drive into the city, leading to a high congestion rate of 44.3%. This congestion can lead to stop-and-go traffic and increased accidents, which cause insurers to increase rates.
On average, Decatur drivers spend 26 minutes per day commuting. While this is lower than the national average, the drive into Atlanta can reach closer to 45 minutes during rush hour.
Teen drivers in Decatur — like teens in most of the country — pay the highest rates of any age group in the city, with an average full-coverage car insurance rate of $693. Decatur teens must follow “Joshua’s Law” to get a Georgia driver’s license, which involves a combination of classroom or online instruction and behind-the-wheel training.[5]
If you’re looking for liability insurance, Auto-Owners offers the cheapest coverage for Decatur teens.
The data below shows the cheapest rates for teenage drivers in Decatur.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Country Financial | $192 |
| Auto-Owners | $227 |
| State Farm | $232 |
| Allstate | $236 |
| USAA | $260 |
| Progressive | $269 |
| Mile Auto | $292 |
| Root | $335 |
| Mercury | $358 |
| Clearcover | $384 |
| Bristol West | $399 |
| GEICO | $408 |
| GAINSCO | $425 |
| The General | $460 |
| Direct Auto | $476 |
| Trexis One | $494 |
| Mendota | $517 |
| AssuranceAmerica | $532 |
| First Acceptance | $532 |
| Insurify Car | $532 |
| Trexis | $543 |
| National General | $545 |
| Excepsure | $548 |
| Safeco | $561 |
| Hugo | $749 |
| Liberty Mutual | $854 |
Save up to $1,100 per year on coverage
Senior drivers in Decatur pay some of the cheapest average rates in the city, at $354 per month for full coverage. For liability-only coverage, Auto-Owners is the cheapest insurer for the roughly 22% of Decatur citizens aged 60 and older.
The data below shows the cheapest rates for senior drivers in Decatur.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $92 |
| State Farm | $98 |
| Country Financial | $100 |
| Mile Auto | $115 |
| USAA | $120 |
| Allstate | $120 |
| Progressive | $137 |
| Mercury | $161 |
| GEICO | $187 |
| Bristol West | $196 |
| Direct Auto | $208 |
| AssuranceAmerica | $209 |
| Root | $213 |
| Clearcover | $216 |
| GAINSCO | $216 |
| National General | $225 |
| The General | $226 |
| Safeco | $249 |
| Trexis One | $252 |
| Mendota | $264 |
| First Acceptance | $272 |
| Insurify Car | $272 |
| Trexis | $277 |
| Excepsure | $280 |
| Hugo | $383 |
| Liberty Mutual | $422 |
Check out the answers below to get a better idea of how to find cheap car insurance in Decatur.
Car insurance in Decatur costs an average of $257 per month for liability coverage and $397 per month for full coverage. Your exact rates will vary based on your driving history, vehicle type, credit history, and more.
Auto-Owners has the cheapest average liability coverage price in Decatur, at $115 per month. The cheapest insurance company for you may be different, though, so it’s important to compare car insurance quotes from at least a few insurers.
The average cost of car insurance per month in Georgia is $208. Georgia drivers pay an average of $156 per month for liability coverage and $259 per month for full coverage.
Many factors affect car insurance premiums in Decatur, Georgia, including your driving record, age, location, vehicle age, and credit history, as well as Decatur’s high vehicle theft and property crime rates. You can lower your rates by applying for car insurance discounts, keeping a clean driving record, and comparing car insurance quotes.
The best car insurance companies in Decatur, Georgia, are State Farm and USAA, with Insurify Quality (IQ) Scores of 9.3 and 9.1, respectively. They’re also some of the cheapest car insurance companies in the city, with rates well below the city average. The right coverage for you depends on your insurance needs and budget, so don’t just choose the cheapest insurer.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
