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Decatur is a vital part of the Atlanta metro area, with about 20,000 residents and countless visitors who enjoy a lively food, festival, and arts scene. If you want to save your money to enjoy all the culture on offer in this Southern city, review our guide to car insurance in Decatur, Georgia, before you choose a policy provider.
Most Affordable Decatur Insurance Providers
Money Geek, a finance website, reports that drivers who live in Atlanta pay an average of $1638 annually for auto insurance. Their researchers found the most affordable rates at USAA, with an average premium of $931 annually. USAA also had the most affordable minimum coverage rates and the lowest rates for drivers who have received a citation for a driving violation. However, this firm only writes policies for current and former military members and their families.
Apart from USAA, Money Geek found that these firms offer the most affordable rates for both minimum and full coverage policies:
- State Farm: $780 a year for minimum coverage, $1414 for full coverage.
- Allstate: $841 for minimum coverage, $1394 for full coverage.
- Geico: $722 for minimum coverage, $1487 for full coverage.
- Nationwide: $897 for minimum coverage, $1372 for full coverage.
As for statewide affordability, Value Penguin reports that State Farm has the lowest minimum coverage rates in Georgia with an average premium of $485 annually. The site recommends Georgia Farm Bureau for full coverage with a state average premium of $1318 per year. They also report that Farm Bureau tends to have the lowest rates for young drivers and those who have a history of tickets or violations. To gather this data, Value Penguin used a sample profile of a 30-year-old man with average credit and full coverage on a 2015 Honda Civic EX.
Nerd Wallet reports that Auto Owners has the cheapest average insurance for Georgia drivers with an average monthly premium of $103 and a 4.5 quality rating from the site. They also have the cheapest average minimum coverage rate of $34 per month. Geico, also with a 4.5 Nerd Wallet quality rating, has the lowest average rate for teen drivers of about $77 monthly.
Drivers with poor credit can access their lowest average rates of $157 a month from Nationwide, which earned a perfect 5 quality rating from the finance website. Nerd Wallet uses profiles of both male and female motorists with clean driving histories to gather sample quotes for coverage on a 2018 Toyota Camry.
Best Decatur Auto Insurance Companies
Money Geek uses a proprietary scoring system to rate insurance companies in Decatur and surrounding areas of Atlanta for their user satisfaction, affordability, financial stability, and claims satisfaction. Based on this data, they recommend Auto Owners Insurance Company, with a score of 90 out of 100, and ALFA, with a score of 88. Geico earned a score of 85 and State Farm received an 83. MetLife, Nationwide, and Travelers each earned a Money Geek score of 80.
Value Penguin recommends that Georgia drivers consider Auto Owners Insurance Co, Allstate, Geico, Progressive, and State Farm. These companies received the highest ratings in the state for financial strength from A.M. Best and claims satisfaction from J.D. Power and Associates. They also have the lowest customer complaint ratios from the National Association of Insurance Commissioners.
Purchasing Decatur Auto Insurance
According to the finance website Nerd Wallet, Decatur drivers must carry Georgia minimum liability coverage to drive legally in the state. This includes at least $25,000 per person and $50,000 per accident for injuries and $25,000 for property damage. These coverage limits take effect to fulfill claims from others if the policyholder causes an accident.
You can also purchase optional insurance policies depending on your desired level of financial protection and customer convenience. Common offerings, which vary by insurance company, include:
- Travel expense coverage.
- Labor and towing costs.
- Roadside assistance.
- Custom equipment and parts coverage.
- Rental car coverage.
- Uninsured and underinsured motorist coverage.
- Comprehensive coverage.
- Collision coverage.
- Medical payment coverage (MedPay).
- Gap insurance to repay your loan or lease on a totaled vehicle.
Many individuals like having a local car insurance agent who can answer their questions and help them find the best rates. However, online comparison tools make it easier than ever for Georgia drivers to do the legwork and save on car coverage. According to the website Smart Financial, Decatur drivers have the third-highest auto insurance rates in the state of nearly $240 per month. Only Georgia drivers who live in Fort Stewart and Lithonia have higher monthly premiums.
Money Geek reports that shopping around for Decatur auto insurance can save you as much as $266 a year. Smart Financial touts the importance of asking for insurance discounts when receiving quotes. Georgia legally requires a safe driving discount of at least 10 percent for drivers ages 25 and older with at least three years free of accidents and claims. Other common discounts include savings for alternative fuel vehicles, students who live away at college but keep a car at home, multiple vehicles on the same policy, homeowners, defensive driving education, teen drivers, safety and antitheft devices, and bundling multiple types of policies.
The Georgia Automobile Insurance Plan sells coverage for drivers who cannot qualify for a policy with a traditional auto insurer because of poor credit or a history of accidents and violations. You must show electronic or paper proof of insurance when asked to do so by a law enforcement officer. Driving without insurance can result in fines and license suspension. Also, if you allow insurance coverage to lapse, it can be difficult to afford a policy in the future.
Check this out if you need additional information, resources, or guidance on car insurance.
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