Cheapest Auto Insurance in Decatur, Illinois (2025)

Progressive has the cheapest liability-only car insurance rates in Decatur, at $42 per month.

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Cheapest recent rates near Decatur, Illinois

Recent Decatur, Illinois car insurance prices for Mitsubishi, Chrysler, Toyota , and more.

*Quotes generated for Insurify users in and around Decatur, Illinois within the last 10 days. Last updated on August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 21, 2025. 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 August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Situated along the Sangamon River and Lake Decatur in Macon County, Decatur is known for its year-round water activities such as swimming, fishing, and water skiing. It’s less populated and has fewer car thefts than other nearby Illinois cities.[1] This could be why Decatur’s average car insurance rates are cheaper than the national average and similar to Illinois’ average rates.

The average cost of car insurance in Decatur is $73 per month for liability only and $131 per month for full coverage.

Quick Facts
  • Progressive, Auto-Owners, and State Farm are the cheapest insurers for liability insurance in Decatur, based on Insurify data.

  • If you’re having trouble locking in car insurance coverage because of a poor driving history, the Illinois Automobile Insurance Plan (ILAIP) can help.

  • Infrequent drivers in Decatur can find cheap rates with Mile Auto.

Cheapest car insurance companies in Decatur

If you’re looking for the cheapest car insurance in Decatur, consider your budget, driving record, and car insurance coverage needs. It’s a good idea to compare multiple auto insurance companies simultaneously to see where you can get a good deal.

To make your search for the right coverage a bit easier, here are some of the best car insurance companies in Decatur and why they stand out.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best for
sort ascsort desc
Mile Auto8.8$107$52Low-mileage drivers
USAA9.1$125$84Military members and veterans
State Farm9.3$77$52Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low-mileage drivers: Mile Auto

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$100/mo
4.1
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (48)
Lesheka
Verified Purchase
Surprise Prices
Reviewed in on August 2025
I don’t like high bills, and they told me one price, then it was higher than before. It went from $167 to $470, which is higher than Progressive. I should go back to them, plus I have put a down payment. So I’m not pleased.
Bryan
Verified Review
Happy Customer
Reviewed in Tennessee on August 2025
I would like them to mail me annual wallet-sized insurance cards to show my coverage.
Walt
Verified Review
Typically, we don't use insurance and do not drive much. The fees we pay are absolutely reasonable.
Reviewed in Arizona on July 2025
Low rate plus monthly mileage fee. No other insurer gets even close to my monthly fee.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Around 20% of Decatur’s population is made up of seniors who may only drive on an occasional basis. Senior drivers and people working primarily from home may land cheap coverage through Mile Auto. Mile Auto specializes in pay-per-mile insurance and can save you money if you don’t drive often.

Pros
  • Affordable pay-per-mile policies

  • Doesn’t use vehicle-tracking devices

Cons
  • No mobile app available

  • Limited coverage options

Best insurer for military members and veterans: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$74/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$105/mo
4.9
Best choiceBased on 2,148 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,213)
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
Mike
Verified Review
Excellent
Reviewed in Massachusetts on August 2025
Exceptional. It would take major savings to get me to switch.
David
Verified Review
Best insurance company, hands down!
Reviewed in Connecticut on August 2025
Absolutely wonderful! 60 years of great reliability.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

According to a 20172021 U.S. Census Bureau estimate, more than 4,000 veterans call Decatur home. Veterans and military members in the area can find cheap car insurance rates with USAA. The company specifically serves the military community with auto insurance and other insurance products and financial services.

Pros
  • Offers a usage-based car insurance program

  • High J.D. Power customer satisfaction rating in the North Central region

Cons
  • Restrictive membership requirements

  • Gap insurance not available

Best insurer for young drivers: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$64/mo
4.1
Best choiceBased on 11,464 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,107)
Edward
Verified Review
Good insurance, just not great.
Reviewed in Virginia on August 2025
Very responsive with claims, but costly premium increases.
Daniel
Verified Review
My experience with State Farm has been generally good
Reviewed in New Mexico on August 2025
I've never had any real problems with State Farm. When I'm trying to reduce my insurance costs, I shop around.
Lori
Verified Review
Excellent
Reviewed in California on August 2025
Expensive but good if you need it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Decatur is home to many students from Millikin University and Richland Community College. State Farm offers a variety of discounts for these types of drivers, like a good student discount and driver training discount. These discounts can help students and young drivers save money on car insurance in Decatur.

Pros
  • Discounts available for teens and young drivers

  • Rental car and travel expenses coverage available

Cons
  • Doesn’t offer gap insurance

  • Can’t purchase car insurance online

How to get the cheapest car insurance in Decatur

It’s not only important to do your research before buying a policy, but it’s important to take steps to get the cheapest rates possible for you.

Here are some tips to help you find the best car insurance coverage and cheapest Decatur car insurance rates:

  • Shop around. Get quotes from at least three car insurers to zero in on the right policy for your unique situation. Compare different rates, coverage options, and company reviews. You can use an independent insurance agent in Decatur or an online quote-comparison platform.

  • Look for discounts. Most car insurance agencies offer discounts that can lower the cost of your auto policy and help you secure the best insurance. The good student discount, loyalty discount, and anti-theft device discount are some popular discounts.

  • Bundle insurance. If you pair your auto insurance with homeowners insurance, renters insurance, or life insurance with the same company, you can usually save some money on your car insurance costs.

  • Consider usage-based insurance. Usage-based insurance is worth exploring if you’re an infrequent driver. You’ll only pay for the miles you drive plus a monthly base rate.

Find Cheap Car Insurance in Decatur, Illinois

Liability quotes start at $42 per month

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Decatur: Progressive

To drive legally in Decatur and other cities in Illinois, you must purchase at least liability car insurance, which helps pay for the other party’s property damage and medical expenses after an at-fault accident.

Compared to other types of car insurance, liability coverage tends to be the cheapest. The most affordable car insurer for a liability-only policy in Decatur is Progressive, at $42 per month.

The table below shows the cheapest car insurance companies for liability-only coverage in Decatur.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$42
Auto-Owners$42
State Farm$45
Mercury$59
Direct Auto$61
COUNTRY Financial$64
Erie$69
GEICO$70
USAA$74
The General$75
Safeco$79
Bristol West$79
National General$79
American Family$79
GAINSCO$80
Dairyland$83
Elephant$85
Root$90
Nationwide$94
Travelers$101
Foremost$106
Farmers$108
Allstate$113
Liberty Mutual$139
State Auto$141
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Decatur: Auto-Owners

Full-coverage car insurance is typically optional in Decatur and usually consists of liability, collision, and comprehensive coverages. It can provide you with additional protection and peace of mind for vehicle damages in various situations. Also, if you have a loan or lease on your vehicle, your lender will likely require it.

The average cost of full-coverage car insurance in Decatur is $131 per month. The table below shows the lowest rates for full-coverage auto insurance policies in Decatur.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$59
State Farm$64
COUNTRY Financial$90
GEICO$96
Erie$99
Progressive$103
USAA$105
Mercury$107
American Family$113
Direct Auto$124
Safeco$126
Nationwide$133
Elephant$143
Travelers$144
Farmers$153
National General$156
The General$161
Allstate$161
Bristol West$196
Root$200
State Auto$201
Dairyland$222
GAINSCO$225
Liberty Mutual$226
Foremost$304
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Decatur, Illinois

Recent Decatur, Illinois car insurance prices for Subaru, BMW, Nissan , and more.

*Quotes generated for Insurify users in and around Decatur, Illinois within the last 10 days. Last updated on August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 21, 2025. 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 August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Illinois

Because Illinois is an at-fault — or tort — state, you have to cover the property damage and injury costs of the other driver and passengers if you’re responsible for a car accident. After you purchase at least the minimum-required liability insurance, be sure to keep your policy handy while you drive. Otherwise, you might face legal and financial consequences for not showing proof of insurance.

Here are the car insurance requirements in Illinois:[2]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$20,000 per person / $50,000 per accident 
Property damage liability$20,000 per accident
Uninsured motorist bodily injury coverage$20,000 per person / $50,000 per accident

You might want to go beyond the minimum Illinois car insurance requirements and purchase additional coverage that can protect you in certain situations.

Here are a few insurance coverages to consider:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers damages to your vehicle from fire, theft, and other non-collision events.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to repair or replace your vehicle if you hit another driver’s vehicle or stationary object, no matter who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap coverage pays for the difference between your auto loan balance and the insurance settlement in case of a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance can be helpful if your vehicle suddenly breaks down and you need help. It covers towing, tire changes, dead-battery jumps, and other related issues.

Illinois Automobile Insurance Plan

illustration card https://a.storyblok.com/f/162273/150x150/e6724dbabb/states_illinois.svg

ILAIP

The Illinois Automobile Insurance Plan (ILAIP) offers car insurance to drivers who wouldn’t be able to purchase it otherwise. It might be an option if you’ve been denied coverage because of a violation on your record, like driving under the influence (DUI) or driving without insurance.

To get approved for an auto policy under ILAIP, you’ll need to prove you’ve had no success qualifying for coverage elsewhere within the past 60 days.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUI convictions are a few examples of incidents that can increase car insurance premiums. Auto insurance companies consider drivers with these types of incidents on their driving records as high-risk drivers and, in turn, charge more to mitigate the risk. The best way to avoid costly premiums and lock in the lowest price is to maintain a clean record.

Here are the average car insurance quotes in Decatur based on driving history.

Shop for Car Insurance in Decatur, IL

Rates start at $50 per month for drivers with an incident

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Progressive

Illinois takes speeding seriously. The state police measure driver speed through a variety of devices, like hand-held radar, moving radar, and pacing devices.[3] Because speeding can make it a challenge to react safely and avoid an accident, Decatur drivers who speed typically face higher car insurance rates.

The average cost of car insurance for drivers with a speeding ticket in Decatur is $88 per month for liability insurance.

Here are the cheapest auto insurers in Decatur for drivers with a speeding ticket.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Progressive$42$51
Auto-Owners$42$52
State Farm$45$55
Mercury$59$78
Direct Auto$61$75
COUNTRY Financial$64$78
Erie$69$87
GEICO$70$88
USAA$74$91
The General$75$98
Safeco$79$99
Bristol West$79$98
National General$79$97
American Family$79$98
GAINSCO$80$94
Dairyland$83$102
Elephant$85$100
Root$90$115
Nationwide$94$116
Travelers$101$125
Foremost$106$130
Farmers$108$133
Allstate$113$138
Liberty Mutual$139$171
State Auto$141$175
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

After a serious or fatal accident, the City of Decatur Police Department turns to the Fatal Accident Investigation Team (FAIT) to perform an investigation. If you cause an accident in the city, car insurance companies will likely consider you a high-risk driver and charge you higher premiums as a result.

Decatur drivers with an accident on their records pay an average of $96 per month for liability car insurance.

Here’s a look at the most affordable insurance for Decatur drivers with at-fault accidents on their records.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
Progressive$42$55
Auto-Owners$42$54
State Farm$45$58
Mercury$59$85
Direct Auto$61$82
COUNTRY Financial$64$83
Erie$69$87
GEICO$70$86
USAA$74$96
The General$75$102
Safeco$79$108
Bristol West$79$103
National General$79$103
American Family$79$103
GAINSCO$80$102
Dairyland$83$109
Elephant$85$111
Root$90$114
Nationwide$94$123
Travelers$101$132
Foremost$106$138
Farmers$108$141
Allstate$113$146
Liberty Mutual$139$182
State Auto$141$185
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

In 2021, the Illinois Secretary of State recorded more than 21,000 DUI arrests.[4] A DUI conviction in Illinois usually leads to fines, jail time, and a license suspension.

To reinstate your license after a DUI, you may also need to file an SR-22 insurance form with the state, per the state of Illinois, and can expect higher premiums or difficulty securing coverage.

Drivers with DUIs pay an average of $118 per month for car insurance in Decatur. This table shows the cheapest car insurance companies for drivers with a DUI in Decatur.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
Progressive$42$68
Auto-Owners$42$65
State Farm$45$69
Mercury$59$92
Direct Auto$61$94
COUNTRY Financial$64$99
Erie$69$106
GEICO$70$108
USAA$74$114
The General$75$116
Safeco$79$133
Bristol West$79$122
National General$79$122
American Family$79$122
GAINSCO$80$123
Dairyland$83$128
Elephant$85$131
Root$90$139
Nationwide$94$145
Travelers$101$156
Foremost$106$163
Farmers$108$167
Allstate$113$174
Liberty Mutual$139$214
State Auto$141$217
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Age-related physical and mental impairments can make it more difficult for seniors in Decatur to drive safely and avoid accidents.[5] That’s why average premiums usually decrease around age 35 and pick back up again around age 70.

Senior drivers in Decatur pay an average of $61 per month for car insurance, but here are the cheapest car insurance companies in the city.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Auto-Owners$34$47
State Farm$35$50
Progressive$35$86
Direct Auto$49$99
Mercury$49$88
COUNTRY Financial$53$75
Erie$53$76
GEICO$56$76
USAA$60$85
The General$61$132
National General$61$121
American Family$63$90
Bristol West$65$160
GAINSCO$67$189
Dairyland$68$181
Safeco$68$109
Nationwide$71$101
Elephant$71$119
Root$76$169
Travelers$80$114
Farmers$85$121
Foremost$90$258
Allstate$92$131
State Auto$108$154
Liberty Mutual$115$188
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Compared to older drivers, teens and young drivers have less driving experience and limited knowledge. For this reason, car insurance companies usually charge them higher rates. 

To save on an auto policy, teens can stay on their parents’ insurance or lock in student-specific discounts. In Decatur, teen drivers pay an average of $154 per month for car insurance.

Here’s a look at the average monthly car insurance quotes for young adults and teen drivers in Decatur.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
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Liability Only
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Full Coverage
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Auto-Owners$84$118
Progressive$89$218
State Farm$92$131
COUNTRY Financial$108$152
Mercury$118$215
Direct Auto$129$261
GEICO$134$184
Erie$138$198
The General$140$300
USAA$146$207
Dairyland$150$401
Bristol West$152$378
American Family$158$226
Elephant$159$267
GAINSCO$162$455
Safeco$169$269
Root$169$376
National General$172$340
Nationwide$195$276
Foremost$214$613
Travelers$216$308
Farmers$222$315
Allstate$238$339
Liberty Mutual$264$429
State Auto$361$515
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Decatur car insurance quotes by credit tier

Insurance companies believe that drivers with good to excellent credit are less risky and usually file fewer claims than drivers with poor credit. Because of this, some car insurers consider credit scores to help them determine premiums.

While some states ban the use of credit scores in determining premiums, Illinois allows companies to do so.[6] The chart below shows that Decatur drivers with excellent credit pay $100 per month, on average, while drivers with poor credit pay an average of $178 per month.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Decatur?

Overall car insurance premiums for Decatur drivers are cheaper than the national average of $144 per month.

Rates can vary by ZIP code and city within Illinois due to factors like population, crime rates, weather conditions, and the number of uninsured drivers.[7] For example, Chicago has notoriously expensive car insurance premiums, especially compared to smaller cities like Decatur.

More cities in Illinois

Here’s a look at the average quotes for coverage in other Illinois cities compared to Decatur.

City
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Average Quote: Liability Only
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Average Quote: Full Coverage
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Aurora$80$150
Berwyn$90$183
Chicago$102$210
Cicero$95$193
Elgin$88$154
Joliet$83$161
Naperville$78$151
Peoria$81$146
Rockford$78$146
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Decatur car insurance FAQs

Read Insurify’s guide on how much coverage you need, and check out the answers to frequently asked questions about car insurance in Decatur.

  • How much is car insurance in Decatur?

    The average cost of car insurance in Decatur is $73 per month for liability only and $131 per month for full coverage.

  • Which company has the cheapest car insurance in Decatur?

    Progressive, Auto-Owners, and State Farm are the cheapest insurers for liability insurance in Decatur, with rates of $42, $42, and $45, per month, respectively.

    However, the best way to find the lowest rates for your situation is to compare quotes with at least three insurance companies and see which one can offer you the best deal for car insurance.

  • What are the best car insurance companies in Decatur?

    Some of Decatur’s best car insurance companies are Mile Auto, State Farm, and USAA. These companies have solid car insurance coverage offerings, good customer satisfaction ratings, and strong AM Best financial strength ratings.

  • How much does car insurance cost per month in Illinois?

    The average cost of car insurance in Illinois is $81 per month for liability coverage and $153 per month for full coverage.

  • What are the minimum car insurance requirements in Illinois?

    Illinois requires 20/50/20 minimum car insurance coverage. This translates to $20,000 per person and $50,000 per accident for bodily injury liability coverage and $20,000 per accident for property damage liability coverage. Illinois also requires uninsured motorist bodily injury coverage for the same limits.[2]

Methodology

Insurify data scientists analyzed more than 90 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Federal Bureau of Investigation. "Crime Data Explorer."
  2. Illinois Secretary of State. "Mandatory Vehicle Insurance."
  3. Illinois State Police. "Traffic and Safety."
  4. Illinois Secretary of State. "2023 Illinois DUI Fact Book."
  5. III. "Senior driving safety and insurance tips."
  6. Illinois Department of Insurance. "Credit: How Insurers Use It."
  7. III. "What determines the price of an auto insurance policy?."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Anna has been a contributor at Insurify since December 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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