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Get Cheap Car Insurance in Decatur, MS
We monitor insurance prices, helping the average driver in Decatur save up to 32.0% on car insurance.
The Cheapest Minimum Coverage in Decatur
The chart below shows the cheapest car insurance company in Decatur for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Farm Bureau, Safeco Insurance, and Progressive.
| Decatur Insurer | Monthly Cost |
|---|---|
| State Farm | $60 |
| Farm Bureau | $62 |
| Safeco Insurance | $64 |
| Progressive | $71 |
Savings for Every Kind of Decatur Driver
Based on our extensive insurance data, we know the average Decatur driver will save about 17% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $279 per year by choosing the right vehicle insurance company. Some Decatur residents are paying out over $1,633 extra every year for auto insurance in Decatur. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Decatur, MS Savings / Yr. |
|---|---|
$279 |
|
$466 |
|
$363 |
|
$715 |
|
$1,657 |
|
$239 |
|
$728 |
Decatur Car Insurance vs. Mississippi
People living in Decatur pay an average of 4.40% less than the typical driver in the state. The average driver in Decatur can expect to pay about $929 per year, or $1,633 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Decatur for most people.
Car Insurance Prices by Decatur Neighborhood
Insurance Prices
Where is insurance cheapest within Decatur?
The map shows insurance prices in and around Decatur, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $57 per year within the city boundaries, with insurance premiums ranging from a high of $1,656 to a low of $1,599. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Decatur.Pick the Best Car Insurance Company for You in Decatur
The best car insurance provider for most drivers in Decatur
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $279 over the average Decatur car insurance company.
The best car insurance provider for Decatur drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $466 over the competition.
The best car insurance company for Decatur drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $363 better than other car insurance companies.
The best auto insurance for Decatur drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $715 less each year.
The least expensive car insurance company for new and young drivers in Decatur
In Decatur, Farm Bureau costs young drivers $1,657 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Decatur
Farm Bureau gave the largest car insurance discounts to married couples, averaging $239 saved each year compared to an average Decatur couple's premiums.
The cheapest car insurance in Decatur for drivers with bad credit
The best Decatur car insurance company for customer service
Recent price drops
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The cheapest large national provider in Decatur
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Decatur driver can expect to pay about $118 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Decatur, USAA has the best prices for married couples, drivers with bad credit, drivers with a DUI conviction, good drivers, drivers with speeding tickets, drivers with accidents, and young drivers.Auto Insurance Prices in and Around Decatur
What Influences the Cost of Car Insurance in Decatur?
On average, car insurance in Decatur is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Decatur is 33 minutes, which is about the national average for a driver in the state.
- Mississippi state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Decatur are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Decatur is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Decatur is $77 per month for minimum coverage and $136 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Little Rock: Insurance costs 0.86% less
- Newton: Insurance costs 1.04% more
- Conehatta: Insurance costs 1.04% less
- Hickory: Insurance costs 1.04% less
- Stratton: Insurance costs 0.06% less
- Perdue: Insurance costs 0.24% more
- Lawrence: Insurance costs 0.37% more
- Union: Insurance costs 0.61% less
- Prospect: Insurance costs 0.06% less
- Chunky: Insurance costs 3.37% less
Cities with Similar Populations
- Ware Shoals: Insurance costs 1.65% more
- Lansford: Insurance costs 15.74% less
- Williamsburg: Insurance costs 25.17% less
- Decatur: Insurance costs 69.93% more
- Leonardo: Insurance costs 8.82% more
- Pawhuska: Insurance costs 5.51% more
- Collinsville: Insurance costs 0.43% less
- York Springs: Insurance costs 22.17% less
- Winterport: Insurance costs 41.95% less
- Templeton: Insurance costs 7.35% less