Cheapest Car Insurance In Decatur, IL 2025
If you’re looking for low-cost minimum coverage in Decatur, Auto-Owners is the best option at just $28 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re hunting for the best car insurance deal in Decatur, IL, be prepared for a broad range of prices.
Auto-Owners is the most cost-effective option for liability-only insurance. Drivers needing full coverage will find State Farm offers the best prices, while Direct Auto is the go-to for young drivers.
Cheapest Car Insurance Companies In Decatur, IL 2025
Cheapest Liability-only Car Insurance In Decatur: Auto-Owners
Auto-Owners offers Decatur’s lowest-priced minimum coverage car insurance, averaging $28 a month.
Compare insurance costs from various companies using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $28 | $336 |
| GEICO | $40 | $480 |
| State Farm | $31 | $372 |
| Country Financial | $42 | $504 |
| USAA | $47 | $564 |
Cheapest Full Coverage Insurance Rates In Decatur: State Farm
With an average monthly rate of $56, State Farm offers the most affordable full coverage car insurance in Decatur.
Check the table below for a breakdown of average insurance rates from cost-effective companies in Decatur.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $56 | $672 |
| Country Financial | $80 | $960 |
| USAA | $91 | $1,092 |
| GEICO | $75 | $900 |
| American Family | $98 | $1,176 |
Cheapest Car Insurance Rates For Seniors: Liberty Mutual
With an average monthly rate of $53, Liberty Mutual offers the most affordable insurance option for seniors in Decatur.
Check the table below for a comparison of average auto insurance rates from cost-effective providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $53 | $636 |
| Pekin Insurance | $63 | $756 |
| Direct Auto | $61 | $732 |
| Country Financial | $69 | $828 |
| Dairyland | $70 | $840 |
Cheapest Rates In Decatur For Teenagers: Auto-Owners
Auto-Owners offers the most budget-friendly car insurance for teens in Decatur, with average rates of $94 per month.
Check the table below to see which companies offer the most affordable insurance for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $94 | $1,128 |
| Country | $133 | $1,596 |
| Pekin | $126 | $1,512 |
| Auto-owners | $157 | $1,884 |
| Secura | $151 | $1,812 |
Cheapest Auto Insurance For Young Adults in Decatur: Direct Auto
Direct Auto has the best insurance rates for young adults in Decatur, with an average cost of $91 per month.
Compare the most affordable car insurance providers for young adults in Decatur using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $91 | $1,092 |
| Pekin Insurance | $106 | $1,272 |
| County | $101 | $1,212 |
| Auto-Owners | $117 | $1,404 |
| Secura | $110 | $1,320 |
Cheapest Car Insurance In Decatur For Good Drivers: Auto-Owners
Auto-Owners has the best car insurance rates for good drivers in Decatur, with an average cost of $28 per month.
Use the table below to compare average quotes from top insurance providers offering the best rates for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $28 | $336 |
| GEICO | $40 | $480 |
| State Farm | $31 | $372 |
| Country Financial | $42 | $504 |
| USAA | $47 | $564 |
Find affordable Decatur rates
Cheapest Car Insurance In Decatur After A Speeding Ticket: State Farm
With an average premium of $40 per month, State Farm is one of the cheapest car insurance options in Decatur for drivers with a speeding ticket.
Use the table below to compare average premiums for drivers who have received a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $40 | $480 |
| Erie | $61 | $732 |
| Country Financial | $55 | $660 |
| GEICO | $51 | $612 |
| American Family | $67 | $804 |
Cheapest For Drivers With After At-Fault Accident: State Farm
The most affordable car insurance option for drivers with an at-fault accident is State Farm, with an average rate of $44 per month.
These companies offer the most affordable car insurance for drivers with an at-fault accident history.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $44 | $528 |
| Mile Auto | $55 | $660 |
| Progressive | $61 | $732 |
| USAA | $72 | $864 |
| American Family | $73 | $876 |
Cheapest Rates In Decatur For Drivers After A DUI: State Farm
For drivers with a DUI, State Farm stands out as the most affordable insurer in Decatur, charging around $50 per month.
Use the table below to find the lowest insurance premiums for Decatur motorists with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $50 | $600 |
| GEICO | $65 | $780 |
| Country Financial | $69 | $828 |
| American Family | $85 | $1,020 |
| Erie | $75 | $900 |
Best Car Insurance Companies In Decatur
Auto-Owners provides the lowest car insurance rates in Decatur at $28 per month, while Mile Auto and GEICO follow closely at $41 and $40 per month.
Listed below are the 10 most popular auto insurance providers in Decatur, IL, ranked by their average monthly premiums.
| Company | Monthly Premium |
| Auto-Owners | $28 |
| GEICO | $40 |
| State Farm | $31 |
| Country Financial | $42 |
| USAA | $47 |
| Mile Auto | $41 |
| Progressive | $44 |
| Erie | $46 |
| Direct Auto | $51 |
| Mercury | $57 |
Average Auto Insurance Rates In Decatur – By Age
Insurance companies calculate rates based on age, among other factors. Since younger drivers are more likely to be involved in accidents, their insurance costs are higher—teenagers may pay as much as $2,101 per year.
As long as they drive responsibly, motorists can expect lower insurance rates once they hit 25.
Insurance rates are often at their most affordable for drivers in their 50s and early 60s, as companies use age to measure risk and experience.
| Age | Average Yearly Rate |
| Teenagers | $2,101 |
| 20s | $1,470 |
| 30s | $1,107 |
| 40s | $1,037 |
| 50s | $1,063 |
| 60s | $973 |
| 70s | $1,079 |
Average Rates In Decatur – By Vehicle
Insurance rates vary based on your car’s make, model, and year. Generally, luxury vehicles and newer cars with high-tech features and expensive repair costs result in higher premiums.
The table below breaks down average insurance costs in Decatur by vehicle model.
| Vehicle | Average Monthly Rate |
| Kia Optima | $139 |
| Nissan Maxima | $120 |
| Jeep Compass | $90 |
| Ford Fusion | $160 |
| Subaru Outback | $155 |
Average Cost Of Auto Insurance In Decatur – By Zip Code
Zip codes give insurers insight into local crime rates, which is why car insurance costs are different across various areas.
Compare insurance premiums across Decatur zip codes using the table below.
| City | Average Monthly Rate |
| 62522 | $95 |
| 62526 | $99 |
| 62523 | $94 |
| 62521 | $100 |
How Much Is Car Insurance In Other Cities in Illinois?
Your city plays a key role in how insurers calculate your car insurance rates. Higher accident risks, theft rates, and vandalism in metropolitan areas typically push premiums up.
Car insurance rates vary by city, with Chicago residents paying an average of $140 per month, while Champaign drivers pay around $92 monthly.
| City | Average Monthly Rate |
| Rockford | $105 |
| Chicago | $140 |
| Peoria | $101 |
| East Saint Louis | $113 |
| Bloomington | $103 |
| Schaumburg | $106 |
| Springfield | $102 |
| Naperville | $104 |
| Champaign | $92 |
| Joliet | $110 |
Find affordable Decatur rates
Our Methodology
Drawing from detailed research on pricing, customer service, coverage options, and online reviews, I’ve put together a well-rounded view of Decatur, IL car insurance providers.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Decatur?
If you’re looking for cheap car insurance in Decatur, Auto-Owners has the best rates for minimum coverage, while State Farm is the most affordable choice for full coverage, including comprehensive and collision.
What is the average cost of car insurance in Decatur?
In Decatur, car insurance typically costs $180 per month, but your exact rate will depend on factors like your zip code, car model, and driving record.
