120+ more*Quotes generated for Insurify users in and around Decatur, Illinois within the last 10 days. Last updated on October 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Decatur, Illinois within the last 10 days. Last updated on October 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Decatur drivers pay an average of $76 per month for liability-only car insurance and $149 per month for full coverage.
That’s significantly lower than Chicago’s average rate and slightly lower than what Springfield drivers pay. Decatur drivers may pay less for coverage due in part to a lower population, lower vehicle theft rates, and a shorter average commute time of less than 20 minutes.
Illinois state law requires all drivers to carry minimum car insurance coverage. State-minimum car insurance includes $25,000 per person and $50,000 per accident for bodily injury liability coverage, and $20,000 for property damage liability coverage.[1]
Liability-only coverage pays for the other driver’s car repairs and medical bills if you cause an accident. Decatur drivers pay an average of $76 per month for liability insurance. That’s less than the statewide average of $84 per month for liability-only coverage.
The table below shows the cheapest rates for liability-only car insurance in Decatur.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $38 |
| State Farm | $41 |
| Certainly | $55 |
| Country Financial | $57 |
| Progressive | $58 |
| Direct Auto | $59 |
| The General | $59 |
| GEICO | $61 |
| Allstate | $62 |
| Erie | $62 |
| First Chicago | $63 |
| USAA | $66 |
| GAINSCO | $69 |
| Safeco | $70 |
| American Family | $72 |
| Bristol West | $75 |
| Mercury | $75 |
| National General | $75 |
| Freedom National | $82 |
| Elephant | $85 |
| Clearcover | $87 |
| First Acceptance | $88 |
| Dairyland | $89 |
| Travelers | $91 |
| Insurify Car | $94 |
| Farmers | $96 |
| Root | $98 |
| Liberty Mutual | $100 |
| Mendota | $105 |
| Hugo | $106 |
| State Auto | $128 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Decatur drivers pay an average of $149 per month for full-coverage auto insurance policies. While Decatur’s average rate is among the lowest in the state, some companies offer even lower rates, including Auto-Owners and State Farm.
Macon County experiences severe weather, including tornadoes. Full coverage, which includes comprehensive coverage and collision insurance, pays to repair or replace your vehicle after an at-fault accident or weather damage, such as hail, strong winds, or flooding.
Without a full-coverage policy, you’d have to pay for repairs out of pocket.
The following table includes the cheapest rates for full-coverage car insurance in Decatur.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $67 |
| State Farm | $73 |
| Country Financial | $102 |
| Progressive | $106 |
| Safeco | $108 |
| Erie | $112 |
| GEICO | $115 |
| USAA | $119 |
| Direct Auto | $122 |
| American Family | $129 |
| Mercury | $129 |
| Allstate | $130 |
| National General | $149 |
| Elephant | $151 |
| Certainly | $153 |
| The General | $154 |
| First Chicago | $156 |
| Root | $156 |
| Liberty Mutual | $162 |
| Travelers | $164 |
| Bristol West | $170 |
| Clearcover | $171 |
| Farmers | $174 |
| Freedom National | $176 |
| GAINSCO | $186 |
| Mendota | $206 |
| First Acceptance | $216 |
| State Auto | $228 |
| Dairyland | $234 |
The average cost of car insurance in Illinois is $123 per month. Decatur drivers pay lower rates, averaging $113 per month. At $173 per month, drivers in Chicago pay the state’s highest average rates.
Chicago drivers lost an average of 112 hours to traffic congestion in 2025, according to the INRIX Traffic Scorecard. The city also has the fourth-highest vehicle-theft-by-volume ranking in the nation, according to National Insurance Crime Bureau (NICB) data.
Nearby Springfield has slightly higher rates than Decatur, averaging $129 per month. These higher rates might be due in part to Springfield’s larger population.
Rates in Decatur are lower, likely due to the city’s smaller population, lower vehicle theft rate, and shorter average commute time.
See the state’s average monthly car insurance costs by city in the table below.
City | Average Monthly Quote |
|---|---|
| Bloomington | $105 |
| Moline | $111 |
| Champaign | $115 |
| Naperville | $118 |
| Wheeling | $120 |
| Rockford | $121 |
| Peoria | $122 |
| Crest Hill | $124 |
| Elgin | $125 |
| Schaumburg | $125 |
| Aurora | $128 |
| Waukegan | $128 |
| Evanston | $129 |
| Springfield | $129 |
| Des Plaines | $132 |
| Joliet | $132 |
| Berwyn | $139 |
| Belleville | $145 |
| Skokie | $145 |
| Chicago Heights | $161 |
| Cicero | $161 |
| Chicago | $173 |
*Quotes generated for Insurify users in and around Decatur, Illinois within the last 10 days. Last updated on October 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Decatur, Illinois within the last 10 days. Last updated on October 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance companies look at many factors when determining your premiums, including your driving history. Drivers with a clean driving history typically pay lower rates than those with an infraction.
See the cheapest insurance companies for Decatur drivers by driving record below:
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
Illinois is an at-fault state. This means the at-fault driver must pay for the other driver’s medical bills and car repairs after an auto accident.
In Decatur, 3.9% of drivers have a ticket on their driving record, 4% have an accident, and 0.6% have a driving under the influence (DUI) conviction, according to Insurify data. These motorists typically pay higher auto insurance rates than people with clean records, as insurers consider them high-risk drivers.
The following table highlights average monthly insurance costs in Decatur by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $113 |
| Speeding ticket | $147 |
| At-fault accident | $156 |
| DUI | $167 |
Decatur has an extensive park system, and Lake Decatur is a popular tourist attraction. Its 22 miles of shoreline draw visitors to the city each summer to enjoy boating, fishing, and other water sports, increasing traffic.
The Devon Lakeshore Amphitheater also draws large crowds, so be prepared for traffic congestion along East Cantrell Street during concerts and performances.
Parking in Decatur is plentiful. If you’re planning to visit the downtown area, you can park in one of the city’s 2,200 deck and lot spaces or in one of 300 metered spaces.[2]
The city is prone to severe weather, including tornadoes, ice storms, and flooding.[3] City officials warn against driving through underpasses during heavy rain, as these areas can flood within minutes of a downpour.
An estimated 16.3% of drivers in Illinois are uninsured, according to the Insurance Research Council. Driving without car insurance is illegal, and you face a license suspension and a minimum $500 fine if you can’t provide proof of insurance. Consider uninsured motorist coverage to financially protect you against uninsured drivers.
If the state catches you driving while your license plates are suspended for a prior insurance violation, you face a minimum $1,000 fine.
Decatur residents spend an average of 18 minutes commuting, compared to the statewide average of 28 minutes, according to the U.S. Census Bureau. Even so, traffic can back up in certain parts of town, especially during tourist season and ongoing roadwork.
Numerous major road construction projects are underway, including a $75 million improvement at the intersection of Brush College Road and Fairies Parkway. While traffic congestion in Decatur isn’t typically a major issue, construction-related backups can increase the likelihood of minor collisions.
But Decatur’s low population and short commute times contribute to the city’s low insurance rates.
Insurify partners with 120+ top insurers for real-time quotes
Illinois allows drivers to get on the road with a permit as young as age 15. After they’ve logged at least 50 hours of driving with a licensed driver aged 21 or older and held their permit for at least nine months, 16-year-olds can apply for a driver’s license.
Teen drivers in Illinois can obtain a full license at age 18 and drive without restrictions.
Liability-only insurance for teens in Decatur costs an average of $151 per month. Auto-Owners has the cheapest rates for Decatur young adults on average, at $79 per month for liability-only coverage.
The following table shows the companies with the cheapest liability-only rates for teenage drivers in Decatur.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $79 |
| State Farm | $82 |
| Country Financial | $94 |
| Certainly | $109 |
| The General | $111 |
| GEICO | $115 |
| Progressive | $115 |
| Erie | $117 |
| Direct Auto | $119 |
| Allstate | $123 |
| First Chicago | $125 |
| USAA | $125 |
| GAINSCO | $126 |
| Bristol West | $138 |
| American Family | $140 |
| Mercury | $142 |
| Safeco | $148 |
| Clearcover | $148 |
| National General | $153 |
| Root | $155 |
| Dairyland | $160 |
| Elephant | $161 |
| Freedom National | $162 |
| First Acceptance | $174 |
| Liberty Mutual | $182 |
| Insurify Car | $186 |
| Travelers | $195 |
| Farmers | $198 |
| Mendota | $208 |
| Hugo | $210 |
| State Auto | $312 |
About 21.3% of Decatur’s residents are 65 years old or older, according to U.S. Census Bureau data. Decatur drivers in their 60s pay some of the city’s cheapest rates, averaging $63 per month for liability-only coverage.
Auto-Owners and State Farm have the cheapest rates for senior drivers in Decatur, on average.
Take a look at the table below to find companies with the cheapest liability-only car insurance rates for seniors in Decatur.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $29 |
| State Farm | $31 |
| Country Financial | $44 |
| Certainly | $45 |
| Erie | $46 |
| Direct Auto | $47 |
| GEICO | $47 |
| Progressive | $48 |
| The General | $49 |
| Allstate | $51 |
| First Chicago | $52 |
| USAA | $52 |
| American Family | $56 |
| National General | $57 |
| Mercury | $58 |
| GAINSCO | $58 |
| Safeco | $60 |
| Bristol West | $61 |
| Elephant | $67 |
| Freedom National | $68 |
| Travelers | $71 |
| First Acceptance | $73 |
| Dairyland | $74 |
| Farmers | $74 |
| Clearcover | $75 |
| Insurify Car | $78 |
| Liberty Mutual | $81 |
| Mendota | $87 |
| Hugo | $88 |
| Root | $88 |
| State Auto | $94 |
See the answers to frequently asked questions below to help you find the best car insurance in Decatur.
Decatur drivers pay an average of $113 per month for car insurance.
Auto-Owners offers Decatur drivers the cheapest liability-only insurance, with liability policies averaging $38 monthly. Other companies with cheap rates include State Farm and Certainly.
Start by shopping around to compare rates across multiple car insurance companies. Consider a higher deductible, and see which discounts you qualify for. Most companies offer a good student discount and safe driver discounts. Keep in mind that drivers with multiple infractions, drivers with poor credit, or who need SR-22 insurance, typically pay higher rates.
While Decatur can experience severe weather, the city’s relatively low population and short commute time may contribute to its below-average car insurance costs.
Yes. Illinois operates on an at-fault system, which means the driver who caused an accident is responsible for damages.
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:
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.
