On average your neighbors pay $67 a month.See Your Rates
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.
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.
|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.
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.
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.
These are the most common car makes and models owned by Decatur, IL drivers who requested quotes through QuoteWizard last year.
Decatur, Illinois, has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:
Driving conditions like weather and traffic congestion are factors that can influence Decatur insurance rates.
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.
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 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 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.
The Macon County Clerk of Courts website allows you to pay traffic tickets and gives other helpful links to court information.
Driving under the influence arrests can have a big impact on your insurance rates.
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.
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.
These are some of the auto insurance discounts available to Decatur drivers looking to lower their rates.
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