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

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.

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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.

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

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

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

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

Savings on 2 Vehicles bundle:$261

Savings on 3 Vehicles bundle:$392

Savings on 4 Vehicles bundle:$522

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

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

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

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

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

I had previously went through Safe Auto for insurance and was paying quite a lot of money. I saved almost $80 from transferring my insurance to Allstate .
Ive always had good experience when calling Allstate. The reason I even have them for my home insurance is because of how nice thier customer service reps are.
Farmer's Insurance
I love my car insurance company service. Its easy and fast and right to the point. I have had no problems from customer service and is always satisfactory
State Farm
I have recommended to many people and both my children use them as well.
Farmer's Insurance
I am satisfied with my policy that I have. The members are really nice to work with.
Farm Bureau
This company offers plenty of discounts and protections based on my driving history, status and personal needs. As compared to other companies, I feel that they offer as much, probably not any more than other companies.
Farm Bureau
This company offers plenty of discounts and protections based on my driving history, status and personal needs. As compared to other companies, I feel that they offer as much, probably not any more than other companies.
I dont know if i have ever compared my insurance premium to any others, but i know its good with progressive because lots of my friends use them also.
State Farm
The comprehensive coverage I have causes the premium to be a little higher than less substantial coverages, but I find that the price is competitive with other companies when I have compared them. Overall, I'd rate the premium a 4.
Root Car Insurance
my auto insurance company is liberty mutual i am very satisfied with my policy i recently switched to them due to the treatment i received from my previous insurance company i would rate them 5 stars in coverage
Farm Bureau
My family has been with the company for years. They're conveniently located. The service is pretty good and the prices are fair. There are much worse companies out there
To my knowledge, my insurance company's premiums have always been very competitive compared to other insurance companies. I have never felt that I was overpaying for the coverage I was receiving.
They are responsive, easy to get in touch with and offer rates and terms that I am satisfied with. I have had the same agent for more than a decade, so consistency and reliability is also a big factor in staying with this company.