Best Car Insurance in Decatur 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Decatur.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
May 5, 2021Suzuki Xl7 EX3003239Allstate$156/mo.$94/mo.
August 4, 2021Ford Expedition Eddie Bauer3003233Mercury$243/mo.$140/mo.
May 23, 2021Dodge Durango Sport3003220ClearCover$262/mo.$159/mo.
August 21, 2021Chevrolet Camaro LS3003329Nationwide$215/mo.$188/mo.
May 12, 2021Chevrolet Spark LS3003227Travelers$276/mo.$241/mo.
Here’s more information about what impacts the insurance rates in your Decatur.

How much does car insurance cost in Decatur?

Car insurance in Decatur, Georgia costs single-car drivers an average of $4,506 annually, or about $375 per month. Compared to the state annual average of $3,420, auto insurance in Decatur is $1,086 higher higher.
Decatur’s lively downtown center makes it one of the most desirable places to live in the state of Georgia. Unfortunately, the car insurance rates are a bit on the expensive side. Close proximity to Atlanta means that a lot of Decatur residents commute daily, and more drivers on the road means higher accident rates.
The good news is that finding affordable car insurance can be a lot easier than it seems. Jerry is an intelligent AI-based broker app that lets you compare quotes from up to 50 top providers in under a minute.
With easy-to-tailor-policy options, you don’t have to skimp on coverage just to find savings. Jerry even takes care of the paperwork, calls, and switchovers so you don’t have to deal with it. The best part? The average Jerry user saves almost $900 a year on their car insurance!
Here’s a rundown of what you need to know about car insurance in Decatur.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$3,223$2,143$3,086$1,764$3,423$2,486
DecaturNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Choosing a carrier in Decatur

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Decatur’s close proximity to Atlanta doesn’t play out well for car insurance rates, which are often higher than both the national and state average. That doesn’t mean that you can’t find great rates, though!
Atlanta area residents have many great carriers to choose from, from big-name providers to smaller companies offering more personalized services. Finding the coverage options you want shouldn’t be difficult!
GEICO insurance in Decatur tends to be the provider of choice—with other big names like State Farm, Progressive, and Allstate not far behind. Rates vary from provider to provider and will depend on your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Decatur before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
State Auto$5,751$4,587Compare Prices
Safeco$3,804$998Compare Prices
Progressive$2,987$919Compare Prices
Allstate$2,676$807Compare Prices
Travelers$2,402$540Compare Prices
Nationwide$3,018$407Compare Prices
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What kind of car insurance you need in Decatur

In Decatur, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
The state of Georgia requires all drivers to purchase at least the following liability insurance:
You need to carry proof of insurance (electronic or paper) when driving in case you are pulled over or need to make a claim. You also need to be sure your vehicle is registered.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
If you want to enjoy added peace of mind, buying additional coverage options is a good idea. While liability insurance helps protect you from lawsuits by covering expenses for other drivers in an at-fault accident, your liability coverage will never cover your own costs.
Here are some additional coverages that would serve drivers in Decatur well:
FactorRecommended coverageDescription
High population densityCollision insuranceCollisions are more likely in densely populated areas. Collision coverage protects your car from collision damage regardless of fault.
Heavy trafficAccident forgivenessAccident forgiveness helps ensure your premiums don’t rise after the occasional accident.
Severe stormsComprehensive coverageComprehensive coverage insures your car for most types of non-collision-related damage, like damage caused by hail or storms.
Uninsured driversUninsured/underinsured motorist coverageUp to one in five US drivers don’t carry insurance, and uninsured motorist coverage protects you if you get in an accident caused by one of them.
Frequent constructionRoadside assistanceConstruction zones can be hazardous to navigate, and roadside assistance will come to your rescue for common issues like flats, lockouts, or tows.

What determines your car insurance cost in Decatur

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Decatur, you could be paying as much as $23 more per month than an adult driver. These are average rates for Jerry customers in Decatur broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Decatur with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,861$1,156
Failure to Obey Traffic Sign$4,586$1,791
Speeding under 15$6,840$1,710
Illegal Turn$2,280$692
Driving on Sus. License$2,382$366
Improper Passing$3,396$323
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Where in Decatur you live

It may seem like insurance rates in Decatur should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Decatur, residents of 30034 and 30035 will have the most expensive car insurance rates, while people who live in 30030, 30033 and 30032 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Decatur:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 5, 202130034Toyota Camry LEGA49ClearCover$147/mo.$87/mo.
October 13, 202130032Ford Taurus SELGA58Progressive$172/mo.$115/mo.
October 12, 202130032Nissan Rogue SGA28Mercury$220/mo.$120/mo.
September 9, 202130034Chevrolet Captiva LSGA38Allstate$300/mo.$183/mo.
August 21, 202130033Chevrolet Camaro LSGA29Nationwide$215/mo.$188/mo.
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Why is car insurance in Decatur so expensive?

A variety of considerations determine baseline car insurance rates in Decatur. Insurance companies often consider the following:
Decatur has numerous factors that contribute to its high insurance rates.

High accident rates

Georgia’s relatively high-quality roadways do little to keep accident rates low, as they are amongst the highest in the country. The population density in Decatur is higher than in metropolitan Atlanta, and a lot of those people commute. Since accidents are so common, insurance companies raise rates to balance out the added risk of issuing a policy.

High crime rate

Decatur has lower than average violent crime rates, but property crime rates are high. Insurance companies raise premiums in neighborhoods where vehicles are more likely to be stolen or damaged.

Inclement weather

Decatur sees its fair share of violent storms, and hail and high winds can do a lot of damage to cars. Atlanta and the surrounding communities also tend to be more prone than other areas of the state to natural disasters, all of which contribute to higher insurance rates.

How can you save money on car insurance in Decatur?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

You can save money on your car insurance in Decatur when you factor in eligible discounts. Almost all providers offer at least a few, and major providers often have a wide range of savings opportunities available.
Here are some common discounts available with insurance carriers in Decatur:
Multi-policyHouseholds that bundle their car insurance with other insurance products like home insurance might save money on both policies.
Multi-carOpting for the same provider to insure multiple cars in the same household will often earn you a discount.
Defensive driverSome carriers list state-approved defensive driving courses that you can take to improve your driving skills and earn potential savings on your premium.
Early sign-upSwitching over to a new provider before a previous policy expires might make you eligible for a discount.
UsageVoluntary telematics track your actual driving habits and often reward safe driving practices with policy savings.
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