Enter your Zip Code to start your free quote

Decatur is the largest city and the county seat of Macon County, and is located along 22 miles of the scenic Lake Decatur. The city is home to Caterpillar Inc., and one of its largest manufacturing plants in the U.S. This plant produces Caterpillar’s off highway trucks, wheel-tractor scrapers, and their ultra-class mining trucks. The cost of living in Decatur is 16% lower than the Illinois average, and 46% lower than the national average. Decatur’s population has declined slightly from its peak in 1980, but there are still around 74,000 residents. The number of people who take public transportation in Decatur is 59% lower than the national average, so it is important to make sure you have adequate insurance coverage. By taking a few minutes to compare all the options for cheap car insurance Decatur can offer, you can potentially save a ton of money!

Decatur Insurance Requirements

Estimates show that traffic delays cost the average Illinois commuter over $1,100 a year. Because the highway system is so unpredictable, most commuters plan for extra time every day to account for possible delays. For real time traffic conditions the Department of Transportation has a map showing current congestion spots. Traffic conditions and frequent delays result in an average of 51 hours of delay per commuter.

  • Illinois’ mandatory minimum coverage for bodily injury or death of one person in an accident is $20,000.
  • Illinois’ mandatory minimum coverage for bodily injury or death of more than one person in an accident is $40,000.
  • Illinois’ mandatory minimum coverage for damage to property of another person is $15,000.

The minimum coverage may be all the law requires, but one of the biggest contributors to Decatur’s increased auto insurance premiums is the rate of uninsured motorists, which is 15% statewide. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for
the best cheap car insurance Decatur can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Public Transportation In Decatur

The Decatur Public Transit System (DPTS) provides fixed-route bus service as well as complementary door-to-door paratransit service for people with disabilities, who are unable to use the bus system, throughout the City of Decatur. Under an agreement with the Village of Forsyth, service is also provided to the Hickory Point Mall area in Forsyth. For more than 100 years, Decatur has been a major railroad junction and was once served by seven railroads. Decatur is now served by three Class I Railroads: the Norfolk Southern Railway, CSX and the Canadian National Railway.