Decatur, IL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Decatur, IL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors Influencing the Cost of Auto Insurance in Decatur, IL

The average cost of auto insurance in Decatur, IL, is $1,004. It is lower than the insurance price in neighboring places such as South Wheatland, Forsyth, Macon County, Long Creek, and Whitmore. Several factors can affect the cost of auto insurance in Decatur. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.

Some of the factors that could increase the cost of auto insurance are as follows.

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Decatur, IL. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,044, and it decreases to $882 when the deductible is $1,000.

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.

DUI:

DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Decatur can be as high as $1,630. 

Age Group:

The cost of auto insurance depends on the age of the driver. Auto insurance is the cheapest for drivers who are in their fifties and sixties in Decatur. Teenagers are considered more risk-prone to accidents and continue to find auto insurance expensive at $3,258.

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on auto insurance costs in Decatur, IL, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive. 

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.

Factors that can influence the cost of car insurance in Decatur, IL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Decatur, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Decatur, IL with that of other cities in and around Decatur.

	Decatur	South Wheatland	Forsyth	Macon County	Long Creek	Whitmore
Average Insurance Rates	$1,004	$1,215	$1,283	$1,201	$1,220	$1,195

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Decatur, IL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Decatur, IL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Decatur	$1,044	$882
Macon County	$1,630	$1,377
Hickory Point	$1,441	$1,217
Forsyth	$1,358	$1,147
South Wheatland	$2,787	$2,354
Long Creek	$1,078	$911
Oreana	$1,238	$1,046
Whitmore	$1,919	$1,621

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Decatur, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Decatur, IL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$3,258
20 Years	$1,290
30 Years	$994
40 Years	$956
50 Years	$885
60 Years	$898
70 Years	$1,045

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Decatur, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Decatur, IL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$1,747	$261
3 Vehicles	$2,620	$392
4 Vehicles	$3,494	$522

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Decatur, IL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Decatur, IL.

Location	Average Insurance Cost	Post DUI Insurance Rate
Decatur	$1,004	$1,630
Macon County	$1,201	$1,950
Hickory Point	$1,219	$1,979
Forsyth	$1,283	$2,083
South Wheatland	$1,215	$1,972
Long Creek	$1,220	$1,981
Oreana	$1,202	$1,951
Whitmore	$1,195	$1,940

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Decatur, IL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$861
Excellent (740-799)	$983
Good (670-739)	$1,046
Average (580-669)	$1,365
Poor (300-579)	$1,638

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Decatur, IL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Rob Lipic	State Farm	1212 E Pershing Rd, Decatur, 62526-4729	217-877-6453
The Floyd Agency	Erie	2805 N Jasper Street, Decatur, 62526	None
Arthur J Gallagher Risk Management Svcs Inc	Travelers	101 S MAIN ST STE 200, DECATUR, 62525	217-423-2345
Herbord Insurance	Travelers	132 S WATER ST STE 527, DECATUR, 62523	217-422-1775
Katie Young	State Farm	315 Chatham Rd Ste 102, Springfield, 62704-1484	217-679-6585
Ogden Insurance	Travelers	123 E DOUGLAS, PETERSBURG, 62675	217-632-2206
Douglas Mayfield	Allstate	400 Chatham Rd Ste 101A, Springfield, 62704	(217) 787-9500
Susan Vermette	State Farm	440 N 22nd St, Decatur, 62521-1576	217-422-3719
R W Gipson Agency Inc	Travelers	219 E WASHINGTON STREET, BLOOMINGTON, 61701	309-827-8523
Mike Sauer	State Farm	2025 W Iles Ave Ste D, Springfield, 62704-4197	217-787-5400
Musselman Insurance Agency, Inc.	None	612 E Washington Street, Bloomington, 61701	None

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Decatur, IL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$44	$1,048
Driver's Failure In Showing Documents	+$97	$1,101
Driving With An Expired Registration	+$103	$1,107
Driving At A Considerably Slow Pace	+$218	$1,222
Using A Cellphone While Driving	+$230	$1,234
Running A Red Light	+$234	$1,238
Speeding	+$246	$1,250
Driving A Vehicle Without The Required Permission	+$312	$1,316
Driving With An Expired/Suspended License	+$677	$1,681

Decatur, IL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$964
Active Disabling Device	$964
Tracking Device	$944
Passive Disabling Device	$934

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Latest Auto Insurance Reviews in Decatur, IL | Back to Top