Best Cheap Car Insurance in Decatur

• Auto insurance in Decatur is more expensive than in other parts of Georgia, though rates are slightly lower than in nearby Atlanta.
• However, due to their proximity and similar pricing, Atlanta serves as a reliable proxy for rates in Decatur. Georgia Farm Bureau, USAA, and Auto-Owners have some of the cheapest average rates in Atlanta, according to our research. We used Atlanta rates in our analysis, due to the cities’ proximity.
• How much you pay varies based on factors like your car, coverage levels, age and driving record. Compare quotes from at least three companies to find the best rates.

*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.

At $1,660 annually, Georgia Farm Bureau has the cheapest average rates in Atlanta, well-below the state and even national average. USAA and Auto-Owners also have cheaper than average rates. Note that USAA is only available to military members, veterans, and their families.

If your car is fully paid off, you can save money by opting for minimum coverage. Georgia Farm Bureau also has the cheapest average rates in this category, with Auto-Owners and USAA following.

Between 2018 and 2022, Decatur, Georgia, recorded six fatal crashes and 44 crashes resulting in serious injuries, according to the city’s Safe Streets Safety Action Plan. There were no fatal crashes reported in 2019 and 2020; however, in 2022, there were 12 fatal accidents and 14 fatalities, with several involving pedestrians.

Traffic safety remains a major focus for the city, which has implemented calming measures like speed humps and enhanced signage to reduce crashes.⁵ Broader trends in DeKalb County, where Decatur is located, show a 40 percent increase in pedestrian deaths from 2022 to 2023, reflecting wider safety challenges across the metro Atlanta area.⁶

Georgia is an at-fault state, meaning the driver that causes a crash is financially responsible for the other party’s injuries and damages. The following liability limits are required:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident

Georgia’s minimum coverage limits are average compared to other states. It’s wise to increase your limits and consider adding full coverage to reduce your risk of having to pay significant out-of-pocket expenses if you’re in an at-fault accident. Given that Georgia has a high rate of uninsured drivers, it’s also a good idea to add uninsured motorist coverage to your policy.

At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:

• Price (40%): We analyzed average premiums for full and minimum coverage for good drivers with good credit. For provider averages, we used Atlanta figures in our analysis due to its proximity with Decatur. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
• Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.