Decatur, AL Auto Insurance | Cheap Car Insurance in Decatur, AL

The average Decatur, AL auto insurance is $36/month or $432/year. The cheapest Decatur, AL auto insurance company is ALFA with rates as low as $29/month with Farmers in a close second with rates as low as $30/month. ALFA also offers the cheapest Decatur, AL full coverage rates at $82/month.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Decatur, sometimes referred to as “The River City”, shares a good portion of coastline with Wheeler Lake and the Tennessee River. During the early 1800’s, Decatur’s economy flourished thanks to its proximity to both river trading routes and railroad lines. Today, local industries include manufacturing, cargo shipment, and hi-technologies.

  • Fun fact: looking to stock the shelves of your agricultural goods store? Aren’t we all! Well, look no further than Decatur, because this city is #1 on the list of “Top 101 cities with largest percentage of females working in industry: Farm product raw material merchant wholesalers (population 50,000+)”. See more information on Alabama car insurance below.

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Auto Insurance Coverage Requirements in Alabama

Driving legally in Decatur requires:

Alabama Auto Insurance Requirements
CoverageRequirementsMost Common
Bodily Injury Liability20,000/40,000100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily InjuryNot required20,000/40,000
Medical PaymentsNot required2,000
CollisionNot required500 deductible
ComprehensiveNot required0 deductible
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There are various ways that your automobile could possibly get broken or stolen, and insurance is meant to protect you from that expensive financial hardship. For those who have sufficient coverage, you might not be kept from an automobile lengthy enough for this to negatively affect your individual or professional existence.

However, should you only buy the state minimum coverage, you can find yourself having to pay 100% up front for anything which Liability doesn’t cover. That’s why it’s important to find direct auto insurance Alabama for cheap. You could look at a single agency like USAgencies in Decatur, AL but why not compare multiple rates in one place? Enter your zip now to get started.

News flash: Decatur drivers can lower their premiums down to $36/mo*, but only if they act fast! Otherwise, they might end up paying closer to the state average of $127 or more for their automotive insurance coverage.

Average Monthly Auto Insurance PremiumsLegend: Decatur Farmers State Farm Allstate ALFA Nationwide 510152025303540$30$41$40$29$40


ALFA and Farmers are virtually tied for being the most affordable insurance providers in Decatur – for the average motorist, that is. Extenuating circumstances, such as poor credit, young age, or having serious traffic violations might mean that you won’t get offered the most affordable policy.

Companies that offer motor vehicle insurance policies contemplate different variables while calculating insurance quotes, particularly gender, driving violations, occupation, education, and theft protection devices. Additionally, premiums will differ between providers. To ensure that you’re still paying the best premium, evaluate cheap Decatur automotive insurance quotes over the internet.

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Major Car Insurance Factors in Decatur

Each time your automobile insurance provider sits down to come up with your insurance policy, they take a lot of variables into account. A few of these, such as your real age or perhaps your specific address, are generally improbable to vary. A few other aspects are:

Your Zip Code

Where you park your vehicle every night will probably have a serious impact on your motor vehicle insurance rate. Usually, insurance costs less in outlying areas because a lesser number of cars and trucks indicates a reduced possibility that you’re going to get in an accident with some other vehicle. The population of Decatur is 55,816 plus the average household earnings are $39,315.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Farmers State Farm Allstate ALFA Nationwide 102030405060708090100$30$84$41$109$40$99$29$82$40$92


Automotive Accidents

The rate of serious accidents in Decatur is relatively low, but that doesn’t mean it’s non-existent. And in unsafe areas, local insurance providers have a habit of raising rates. To make sure you aren’t paying more than you should be, talk to your provider about Safe Driving discounts.

Fatal Accidents in Decatur, ALLegend: Decatur Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 2468101237312


Auto Thefts in Decatur

Dwelling in a major urban center (Especially any that has a significant crime rate) increases your potential for becoming a target of auto theft. In cases where your regular locale has high rates of claims for theft, you will probably pay a lot more for your insurance in order to balance out these prices. The complete amount of taken automobiles in 2013 rose sharply to 153 within the city of Decatur. And if these numbers concern you, then you should look into purchasing some Comprehensive coverage.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Farmers State Farm Allstate ALFA Nationwide 102030405060708090100$30$84$41$109$40$99$29$82$40$92


Your Credit Score

Alabama is one of the rare states where, even though the difference in premiums between poor and excellent credit exists, providers are a little fairer with their exact pricing. State Farm, however, is an exception to this custom.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Farmers State Farm Allstate ALFA Nationwide 102030405060708090100110$24$54$24$111$33$67$27$34$39$58


Your Age

Getting your license for the first time is an exciting moment in every teenager’s life. Unfortunately, it is also a very risky time as well. Their overall lack of driving experience means that they are statistically likely to get into a serious accident within their first year of driving. And because insurance companies know this, their policies may cost much more than the average driver. Fortunately, Good Student discounts and driving classes can help reduce this burden.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Farmers State Farm Allstate ALFA Nationwide 255075100125150175200225$30$241$41$153$40$161$29$98$40$162


Your Driving Record

Even when you’ve a couple of minor violations in your record, you may possibly improve your premiums just a little if your insurer offers Accident Forgiveness discount rates. However, more severe violations can cost you. It might even set you back losing your coverage completely.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Allstate ALFA Nationwide 102030405060$30$42$49$46$41$42$42$42$40$44$51$55$29$31$38$32$40$49$57$60


Your Vehicle

If you’re leasing your automobile, you’re going to need to buy a very comprehensive policy, it doesn’t matter what you would rather spend. If you’re still financing or purchased it outright, then you’ll have a bit more wiggle room. However, to be able to make certain your automobile remains safe and secure in each and every way possible, you will have to purchase more coverage, as well as in greater amounts, which could get pretty costly having a luxury vehicle.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Farmers State Farm Allstate ALFA Nationwide 153045607590105120$30$122$41$88$40$114$29$115$40$98


Minor Car Insurance Factors in Decatur

Don’t forget to consider the following factors:

Your Marital Status

Married people could possibly get an additional little bit of savings when they bundle their insurance coverages together. But even when you’re single, you are able to bundle other financial items, for example RV insurance or renter’s insurance, in case your automotive insurer provides such services too.

Your Gender

Who do you consider will get billed more for insurance: men, or women? The very best answer, in line with the available data, is “nobody knows, not really even your insurance company”. Many providers don’t charge a difference whatsoever. Of individuals that do, many will charge men, while some may charge women the greater rate.

Your Driving Distance to Work

Traffic can be touch-and-go for those who live and work in Decatur. Average commutes may last anywhere from 10 to 20 minutes each trip, with 15 being the typical amount of time spent behind the wheel. Also, the vast majority of the population (84%) will use their own vehicle in order to get around, which can make for some nasty traffic. Around 10% of commuters may choose to carpool.

Are you aware that business automobiles may cost 10-12% more to insure every month than your typical work, school, or pleasure vehicle? Likewise, driving more miles every year increases your rates – to a maximum of 3-4%.

Your Coverage and Deductibles

Raising your deductible to get a lesser rate per month in your car insurance is simple. Having to pay that elevated deductible, however, might be difficult when you get into any sort of accident and file claims. So think cautiously prior to you making that change, and make certain you’ve some “rainy day” money in the bank, just in case.

Education in Decatur, AL

As far as education goes, 27% of Decatur residents have a high school diploma hanging on their wall, while an additional 20% have yet to complete all four years of their secondary education. This might explain why Decatur automobile insurance rates are higher than other cities, since providers often hand out discounted rates to motorists with advanced degrees.

If you’re looking for a higher education in Decatur, you may be in for a little bit of a commute. Fortunately, the Calhoun Community College has its main campus located in Decatur, which conveniently offers associate’s degrees to students of any age. Other four-year institutions can be found in nearby Huntsville or Athens.

Automobile insurance is one of the most critical investment decisions you will make as a driver. You’ll want to make sure you find a good, dependable agency who’s going to follow through on their offers. Various motor vehicle insurance companies tend to be greater at this as opposed to others, and conducting a careful internet based search can assist you split the good from the inadequate.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


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