Cheap Car Insurance Decatur IL: Compare Quotes From Best Companies - [Mom Prepared] (2025)

As a wife and mother of four children in Decatur, Illinois, finding affordable car insurance is always at the top of my priority list. With multiple drivers of varying ages in our household, it can be a challenge to find a policy that meets our needs without breaking the bank. That’s why I decided to do some research and compare quotes from the best insurance companies in the area to see where we could save the most money.

When it comes to cheap car insurance in Decatur, IL, there are a few key factors to consider. Each insurance company offers different rates based on a variety of factors, including the age and driving record of the insured, the type of vehicle being insured, and the coverage options selected. By comparing quotes from multiple carriers, you can find the best policy for your family’s needs at a price that fits your budget.

I started my search by comparing quotes from five national insurance carriers: State Farm, Allstate, GEICO, Progressive, and Farmers. After inputting our family’s information and vehicle details into each company’s website, I was able to get an average annual premium cost for each policy. Here’s what I found:

State Farm: State Farm offered competitive rates for our family, with an average annual premium cost of $1,200. They also had a variety of coverage options to choose from, making it easy to customize a policy that met our needs.

Allstate: Allstate’s average annual premium cost came in slightly higher at $1,400, but they offered excellent customer service and a wide range of discounts that could help lower our overall cost.

GEICO: GEICO was the most affordable option, with an average annual premium cost of $1,000. Their online quote process was quick and easy, and they offered a variety of discounts for safe driving and multiple policies.

Progressive: Progressive’s average annual premium cost was $1,300, putting them in the middle of the pack in terms of affordability. However, they had a strong reputation for handling claims quickly and efficiently.

Farmers: Farmers had the highest average annual premium cost at $1,500, but they offered comprehensive coverage options and excellent customer service. While they may not be the cheapest option, their reliable coverage could be worth the extra cost.

After comparing quotes from these five national carriers, I was able to narrow down my options and find a policy that offered the best value for our family. In addition to selecting the right insurance company, it’s also important to consider the vehicles owned by the parents and the driving ages of the children in the household.

In our family, we own six vehicles: a minivan for transporting the kids to and from school and activities, a sedan for commuting to work, a SUV for family road trips, a truck for hauling materials for home improvement projects, a sports car for weekend getaways, and a motorcycle for leisure rides. Each vehicle has its own maintenance and insurance costs, which can add up quickly when insuring multiple cars.

For the children in our household, the average cost for maintenance and insurance varies based on their driving ages. Our oldest child, who is 18 and just starting to drive, has the highest insurance premium due to their lack of experience on the road. Our middle two children, aged 16 and 17, also have higher insurance costs but are eligible for safe driving discounts. Our youngest child, who is 15 and not yet driving, has the lowest insurance premium but will likely see an increase once they start driving.

When it comes to insuring our family’s vehicles, there are a few sometimes forgotten issues outside of the ordinary that can impact our insurance rates. These include:

1. Credit score: Many insurance companies use credit scores as a factor in determining rates, so it’s important to maintain a good credit history to qualify for the best rates.

2. Driving record: Traffic violations and accidents can raise insurance premiums, so it’s essential to drive safely and follow traffic laws to keep costs down.

3. Annual mileage: The more miles you drive each year, the higher your insurance premium may be. Consider carpooling or using public transportation to reduce your mileage and save money on insurance.

4. Vehicle modifications: Adding aftermarket parts or accessories to your vehicle can increase your insurance rates, so be sure to notify your insurer of any modifications to avoid coverage gaps.

5. Multi-policy discounts: Bundling your auto insurance with other policies, such as homeowners or renters insurance, can qualify you for significant discounts on your premiums.

6. Teen driver education: Enrolling your teenage drivers in a defensive driving course or other driver education programs can help lower their insurance rates and improve their safety on the road.