Best Auto Insurance Rates in Decatur, Illinois

On average your neighbors pay $67 a month.

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The city of Decatur may be a small suburb, but it doesn’t have a small history. Decatur was home to the 16th President of United States, Abraham Lincoln. It’s even commemorated Lincoln's time there by building a statue of his first political speech. The city has plans to memorialize other areas Lincoln frequented as well.

Decatur is in the business of cherishing its history. QuoteWizard is in the business of cherishing people who need insurance. People who need cheap car insurance, in particular.

Average Decatur Car Insurance Rates

How much is car insurance in Decatur, IL? Rates here can be expensive. Many drivers pay higher premiums than both the state and national average. Prices will vary depending on multiple factors including the type of car you drive, coverage, policy limits, your driving record and the number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Decatur, Illinois and save up to 40% on your premium.

Last year, 1,083 people used QuoteWizard to compare auto insurance quotes in Decatur, IL from multiple companies to get the lowest rates.

Best Car Insurance Companies in Decatur, IL

This is our list of the most common car insurance companies reported by 1,083 QuoteWizard users in Decatur, Illinois, last year. Of those users, 47 did not have insurance when they asked for a quote.

Top 10 Vehicles in Decatur

These are the most common car makes and models owned by Decatur, IL drivers who requested quotes through QuoteWizard last year.

  1. Ford Explorer
  2. Ford F150
  3. Dodge Caravan
  4. Chevrolet Malibu
  5. Cadillac Deville
  6. Chevrolet Cavalier
  7. Chevrolet Impala LS
  8. Mercury Grand Marquis LS
  9. Chevrolet Equinox LS
  10. Chrysler PT Cruiser
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Minimum Car Insurance Requirements in Decatur, IL

Decatur, Illinois, has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most insurance companies will pay in total for every person injured in an accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a crash.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence Decatur insurance rates.

Decatur drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Decatur has four distinct seasons, with hot, humid winters, and snowy, cold winters. The average daily high in January is 33 degrees and can be as low as 18 degrees. The city’s residents see an average of 38 inches of rainfall annually, most of which falls between May and August. In an average year, Decatur enjoys around 196 sunny days, while there are around 112 days with some amount of precipitation.

Road Conditions

According to Tripnet.org, 27 percent of the major roads in Illinois are in poor condition. Forty percent are mediocre. The sub-par condition of the state’s roads cost drivers $4.4 billion or an average of $540 per motorist in extra vehicle operating costs each year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

If you see a rather menacing pothole on your route in Decatur, contact the city's Streets and Sewer Department at (217)-875-4820.

Traffic Congestion

Traffic data provider Inrix has created a traffic scorecard that measures key factors of US cities’ traffic congestion. According to the scorecard, Decatur commuters spend an extra 11 hours in traffic each year because of traffic. On top of this, each commuter also spends around $266 in extra congestion costs.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The Macon County Clerk of Courts website allows you to pay traffic tickets and gives other helpful links to court information.

Drunk Driving Arrests

Driving under the influence arrests can have a big impact on your insurance rates.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Decatur DUI insurance.

Vehicle Theft Rates

Sixty-two motor vehicles were stolen in Decatur in 2014, a rate of 0.84 per 1,000 residents, which is well under the national average of 2.16 per 1,000.

Car Insurance Discounts in Decatur

These are some of the auto insurance discounts available to Decatur drivers looking to lower their rates.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. Are you married or getting married soon? Some insurers offer a discount to married couples
  4. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  5. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  6. Get a new car with advanced safety features like electronic stability control or anti-lock brakes
  7. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  8. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  9. Install anti-theft devices or a car alarm system
  10. Shop around and compare low-cost Decatur car insurance quotes

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