Car Insurance in Decatur, IL | Cheap Rates, Instant Quotes

Cheap Car Insurance in Decatur, IL

Car insurance rates in Illinois can be high. If you have a poor driving record or even bad credit, your rates might be more than you can afford. Thankfully, the team at Accurate Auto Insurance is familiar with helping drivers throughout Illinois get the coverage they need.

When you’re looking for affordable auto insurance in Decatur, IL, our representatives are here to help.

Get the Best Insurance in Decatur, Illinois

To get affordable car insurance quotes in Decatur, IL, look no further than Accurate Auto Insurance. We know how difficult it can be to find a policy that is both cheap and reliable. Fortunately, we have the experience necessary to make sure you’re protected on the road, no matter what your budget looks like. We have been helping Illinois drivers get affordable plans that meet their needs since 1992.

Whether you want a full coverage policy, or SR-22 insurance in Illinois, we’ll help you get the best deal available.

What Could Raise Your Rates – Decatur, IL Car Insurance

Car insurance companies in Decatur, IL take into account a number of variables when reviewing potential policyholders. Insurance rates can get higher or lower depending on these variables.

Some factors that impact the cost of car insurance in Illinois include:

  • Accident & Claim History
  • History of DUIs
  • Traffic Violations
  • Marital Status
  • Credit Score
  • Gender
  • Age
  • Car Make & Model
  • Yearly Mileage
  • Zip Code/Location

Before a Decatur auto insurance company insures you, they will look at a variety of factors to decide on your rate. This is because insurance companies use certain driver characteristics to determine how likely that person is to file a claim.

For example, young drivers are notoriously high risk. This means their insurance premiums are almost always higher than experienced drivers’ premiums. If you live in a zip code with an elevated crime rate, the cost of coverage could also go up.

No matter how old you are or what your driving history looks like, we can help you find the cheapest car insurance in Decatur, IL. Call us at (800) 999-1034 today to get an instant quote!

Minimum Coverage – Illinois Car Insurance Requirements

You must have minimum liability insurance coverage in Illinois to legally drive a motor vehicle. The minimum liability coverage requirements include:

  • $25,000 for bodily injury or death of one individual
  • $50,000 for bodily injury or death of two or more individuals per accident
  • $20,000 for property damage per accident

The minimum auto insurance requirements for drivers in Illinois don’t provide full coverage if you get into an accident. If you’re interested in a policy with better coverage, like medical payments coverage, Accurate Auto Insurance can help. We can even help you get the cheapest full coverage plan available in your area!

Additionally, we can help you understand which Illinois insurance companies have reasonable eligibility requirements and offer discounts for things like driving certifications. We’ll also explain the different types of policy add-ons you get to choose from, so you only pay for what you need.

Contact Accurate Auto Insurance for Cheap Car Insurance in Decatur, Illinois

At Accurate Auto Insurance, we work to ensure you get the right coverage to protect you and your vehicle. We specialize in helping drivers with poor credit, previous traffic violations, or other recorded factors that raise their rates get affordable car insurance.

Whether you need motorcycle insurance in Illinois, an SR-22 certificate, or rideshare insurance in Illinois, we can help! Contact us today to request an instant quote.


“Had a great experience dealing with this company. After calling a few places and not getting the service that I expected, a woman named Sofia Tapia from Accurate Auto was able to not only give me the answers I was looking for, but she did it with a positive attitude and and no hassle. I will definitely be sending friends her way. Thankful for the help I received.”

– Monica S. Chicago, IL

“I have had insurance with Accurate for over 5 years. What a great company to work with. The employees are great and very friendly.”

– Ken G. Chicago, IL
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