Affordable Car Insurance Rates in Decatur, IN (2024)
Car insurance rates in Decatur, IN are $251/month on average. By law, Indiana drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Decatur car insurance companies to get the coverage you need at the best rates available.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The annual number of car thefts in Decatur is 10.
- Average car insurance rates in Decatur, IN for senior drivers are $1,582/year
- Average car insurance rates in Decatur, IN are $251/month
Average car insurance rates in Decatur, Indiana are $251 a month. But with a little research you can get a great deal from the top car insurance companies in Decatur, IN. Before you buy Decatur, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.
It may even be helpful to compare Decatur car insurance rates with South Bend car insurance rates, Indianapolis car insurance rates, or Fishers car insurance rates to make sure you’re getting the best Decatur, IN car insurance quotes available.
Need affordable Decatur, IN car insurance? Enter your ZIP code to compare Decatur car insurance quotes from multiple car insurance companies near you.
Decatur, IN Minimum Car Insurance Coverage
Decatur, Indiana law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Decatur, IN Car Insurance Rates by Coverage Level
Some Decatur drivers can get by with the Indiana minimum coverage of 25/50/25. Other drivers may need more. See how much your Decatur, Indiana car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,667 | $3,830 | $4,034 |
| American Family | $3,333 | $3,473 | $3,277 |
| Farmers | $3,162 | $3,275 | $3,412 |
| Geico | $1,869 | $1,992 | $2,132 |
| Liberty Mutual | $5,421 | $5,589 | $5,801 |
| Nationwide | $2,325 | $2,268 | $2,267 |
| Progressive | $3,014 | $3,143 | $3,424 |
| State Farm | $2,044 | $2,149 | $2,256 |
| Travelers | $2,899 | $2,983 | $2,985 |
| USAA | $1,393 | $1,437 | $1,492 |
Decatur, IN Car Insurance Rates by Age, Gender, and Marital Status
Decatur, Indiana car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Decatur, IN car insurance, get quotes from multiple car insurance companies in the Decatur area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,365 | $2,419 | $2,080 | $2,271 | $7,350 | $9,254 | $2,399 | $2,610 |
| American Family | $2,109 | $2,109 | $1,897 | $1,897 | $5,778 | $8,378 | $2,109 | $2,606 |
| Farmers | $1,485 | $1,464 | $1,270 | $1,428 | $8,010 | $8,531 | $1,958 | $2,117 |
| Geico | $1,369 | $1,360 | $1,284 | $1,329 | $3,993 | $3,708 | $1,563 | $1,378 |
| Liberty Mutual | $3,831 | $3,831 | $3,522 | $3,522 | $8,383 | $12,656 | $3,831 | $5,251 |
| Nationwide | $1,423 | $1,456 | $1,252 | $1,335 | $4,069 | $5,279 | $1,662 | $1,816 |
| Progressive | $1,364 | $1,290 | $1,240 | $1,246 | $7,986 | $8,983 | $1,703 | $1,737 |
| State Farm | $1,309 | $1,309 | $1,170 | $1,170 | $4,024 | $5,150 | $1,450 | $1,614 |
| Travelers | $1,071 | $1,089 | $1,007 | $1,006 | $6,606 | $10,425 | $1,134 | $1,308 |
| USAA | $922 | $909 | $855 | $863 | $2,545 | $2,852 | $1,245 | $1,336 |
Decatur, IN Car Insurance Rates for Teens
How much is Decatur, Indiana car insurance for teens? Compare rates from top Decatur car insurance companies below to help find the cheapest teen car insurance in Decatur, IN.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,350 | $9,254 |
| American Family | $5,778 | $8,378 |
| Farmers | $8,010 | $8,531 |
| Geico | $3,993 | $3,708 |
| Liberty Mutual | $8,383 | $12,656 |
| Nationwide | $4,069 | $5,279 |
| Progressive | $7,986 | $8,983 |
| State Farm | $4,024 | $5,150 |
| Travelers | $6,606 | $10,425 |
| USAA | $2,545 | $2,852 |
Decatur, IN Car Insurance Rates for Seniors
Before seniors buy Decatur, Indiana car insurance, they should make sure to shop around. Some Decatur, IN car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,080 | $2,271 |
| American Family | $1,897 | $1,897 |
| Farmers | $1,270 | $1,428 |
| Geico | $1,284 | $1,329 |
| Liberty Mutual | $3,522 | $3,522 |
| Nationwide | $1,252 | $1,335 |
| Progressive | $1,240 | $1,246 |
| State Farm | $1,170 | $1,170 |
| Travelers | $1,007 | $1,006 |
| USAA | $855 | $863 |
Decatur, IN Car Insurance Rates by Credit History
How does your credit history affect Decatur, IN car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,758 | $3,550 | $3,223 |
| American Family | $4,594 | $2,986 | $2,501 |
| Farmers | $3,832 | $3,123 | $2,894 |
| Geico | $2,401 | $1,998 | $1,595 |
| Liberty Mutual | $7,462 | $4,857 | $4,492 |
| Nationwide | $2,600 | $2,201 | $2,059 |
| Progressive | $3,521 | $3,119 | $2,941 |
| State Farm | $3,131 | $1,868 | $1,449 |
| Travelers | $3,290 | $2,790 | $2,787 |
| USAA | $1,946 | $1,281 | $1,096 |
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Decatur, IN Car Insurance Rates by Driver History
How does a single speeding ticket affect your Decatur, Indiana car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Decatur.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,058 | $4,502 | $4,164 | $3,652 |
| American Family | $2,315 | $3,701 | $4,670 | $2,757 |
| Farmers | $2,937 | $3,423 | $3,529 | $3,243 |
| Geico | $1,314 | $2,066 | $2,791 | $1,820 |
| Liberty Mutual | $4,366 | $5,151 | $8,085 | $4,813 |
| Nationwide | $1,971 | $2,531 | $2,428 | $2,216 |
| Progressive | $2,401 | $4,187 | $2,858 | $3,327 |
| State Farm | $2,098 | $2,305 | $2,098 | $2,098 |
| Travelers | $2,512 | $3,103 | $3,514 | $2,694 |
| USAA | $1,090 | $1,547 | $1,776 | $1,350 |
Decatur, IN Car Insurance Rates With a DUI
Even a single DUI can increase your Decatur, IN car insurance rates. Compare rates below to see which Decatur car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,164 |
| American Family | $4,670 |
| Farmers | $3,529 |
| Geico | $2,791 |
| Liberty Mutual | $8,085 |
| Nationwide | $2,428 |
| Progressive | $2,858 |
| State Farm | $2,098 |
| Travelers | $3,514 |
| USAA | $1,776 |
Decatur, IN Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Decatur, IN car insurance rates may be. Let’s take a look at average car insurance rates from top Decatur companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,844 | $3,844 |
| American Family | $3,320 | $3,401 |
| Farmers | $3,283 | $3,283 |
| Geico | $1,963 | $2,033 |
| Liberty Mutual | $5,455 | $5,752 |
| Nationwide | $2,287 | $2,287 |
| Progressive | $3,194 | $3,194 |
| State Farm | $2,089 | $2,210 |
| Travelers | $2,956 | $2,956 |
| USAA | $1,422 | $1,460 |
Decatur, IN Cheapest Car Insurance Rates
How do the top Decatur, Indiana car insurance companies’ average rates stack up against the Decatur average monthly car insurance rates of $251? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Decatur, IN Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Decatur, Indiana car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,844 |
| American Family | $3,361 |
| Farmers | $3,283 |
| Geico | $1,998 |
| Liberty Mutual | $5,604 |
| Nationwide | $2,287 |
| Progressive | $3,194 |
| State Farm | $2,150 |
| Travelers | $2,956 |
| USAA | $1,441 |
Other Factors Affecting Decatur, IN Car Insurance Rates
Before you buy Decatur, Indiana car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Decatur, IN Car Theft Rates
The car theft rate in Decatur, IN will affect your car insurance rates. FBI data shows that the annual car theft rate for Decatur, Indiana is 10 stolen cars.
Decatur, IN Commute Time
How does your Decatur, IN commute time compare with the average driver? In Decatur, the average commute is 19.6 minutes.
Decatur, IN Car Insurance Quotes
Compare Decatur, IN car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.