Decatur Insurance Rates:

Decatur, AL home insurance is about $812 to $1,103, about $67-$91/month. Our comprehensive analysis shows customers can save as much as $382 by getting many quotes

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Decatur Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $1450/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $345,000

5 Beds, 5 Baths 4650 sqft Seasonal Residence Constructed In 2001 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Single Female who is Retired with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $200/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 1850 sqft Rental Property Constructed In 2001 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $340/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Bath 2880 sqft Vacation Property Constructed In 1964 with Wood Flooring, Metal Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $420/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1450 sqft Vacation Property Constructed In 2002 with Stone Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $380/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Bath 3240 sqft Rental Property Constructed In 1999 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $320/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

5 Beds, 5 Baths 1710 sqft Vacation Property Constructed In 1991 with Linoleum, Composition Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $690/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Baths 2820 sqft Vacation Property Constructed In 1979 with Hardwood Flooring, Tile Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $180/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Bath 1930 sqft Vacation Property Constructed In 1994 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Decatur, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
35601 $97,900 $950
35603 $163,000 $990

Decatur Rates & Quotes Analysis:

Decatur Area Estimated House Insurance
Point Mallard Rd SE, Chestnut St SE, Anna Dr, Elliott St, Miller Pl, Blueberry Ln SW, 3rd Ave SW, Cedar Lake Rd SW, Dover Cir SW, Buena Vista Cir SE$997
A St NW, Carol Ln SE, Adams Dr NW, Oak St, Fletcher Ave SW, Bentley Dr SW, 8th Ave NW, Pine Ave SW, Baker Rd, Norris Mill Rd$910
Lancelot Dr SW, Little John St SW, Jackson St SE, Somerville Rd SE, 1st St NW, Carolina Ct, Prescott Dr, Line St NE, Creighton Ave SE, Trenton Pl$964
Briar Ave, Augusta Dr SW, Elliott St SE, Westwood Cir SW, 14th Ave SW, James St SW, Vicksburg Cir SW, Freeman Ave SW, Jefferson Ave SW, Murphree Rd SE$991
4th St SW, Monticello St SW, W Burn Ct, Old Hwy 24, Selby Pvt Rd, Freeman Ave, Sims Rd SW, Brookridge Rd SW, 6th Ave SW, Hamaker St SW$982
McCartney St NW, 13th St SE, Winfrey Dr SW, Beech St SE, Valley Forge Rd SW, Old Trinity Rd, Cedar St, Prospect Dr SE, Terrapin Dr, Melbourne St SW$1,005
Whiteford Dr SW, Routon Ave SW, Forest Glen Dr, Church St SE, Ray Ave, Lee St NE, Church St NW, 4th Ave SW, Cedarhurst Ct, Cameron St SW$994
21st Ave SE, Chadsworth St SW, Ragland St, Idlewild Pl SW, Palisade Ct SW, Starky Rd, Tammy St SW, Quince Dr SE, Ashenbury Park SW, Finley Dr NW$979
2nd St NE, 15th Ave SE, Sandlin Rd SW, Elizabeth Ave SE, Cherry St NE, Minor Rd, Hempstead Ave, Brooks St SE, Hillcrest Dr, County Line Rd$982
Brenda St SW, Jackson St SE, Alexandria St SW, Memorial Dr SW, Vestavia Dr, Mulberry St, Hoover Ave, Slaten Rd, Piccadilly Circus SW, Clark St$986

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,483 Homes (16% of total homes ) built between 1990 to 1999 in Decatur are paying home insurance between $1,380-$1,395. Places close to Decatur, AL such as Trinity, Priceville, Hartselle are more expensive by $39, $54, $16 respectively while Morris Chapel and Hillsboro are cheaper by $20 and $23 respectively for similar homes.
  • Bedrooms: 3,738 4 bedrooms homes (14% of total homes ) in Decatur are paying about $1,282 in contrast with Trinity (+$26), Priceville (+$49), Hartselle (+$15), Morris Chapel (-$19) and Hillsboro (-$22).
  • Auto Insurance Bundling: 6,511 Households (43% of all households) in Decatur have 2 vehicles available and when it is bundled with home insurance you can save $191 compared to Trinity ($196), Morris Chapel ($188), Priceville ($198).
  • Senior Discounts: 7,939 seniors (more than 55 years) occupied housing units (52% of total) in Decatur get discounts between $143 to $146. The comparative concessions in proximate regions such as Trinity, Morris Chapel and Priceville are $147, $141 and $149 respectively.
  • New Homes discounts: New homes such as the 9,854 homes built between 2000 to 2009 in Decatur can save $191 and differs from Trinity ($196), Morris Chapel ($188), Priceville ($198).

Decatur Homeowners insurance Facts

  • Decatur, AL has 15,058 owner occupied houses which is 62.4% of all units whereas Trinity, Morris Chapel and Priceville have 89.02%, 87.23% and 90.59% respectively.
  • Decatur, AL homeowners yearly insurance price at $957 is 0.79% of the typical house value of $121,900 which is in contrast with 0.6% in Trinity, 0.96% at Morris Chapel & 0.55% in Priceville.
  • Homeowners in Decatur, AL pay 2.55% of their income ($35,000 to $39,999) in insurance whereas homeowners in Trinity, Morris Chapel and Priceville pay 2.62%, 2.51% and 2.65% respectively.
  • Decatur, AL’s insurance is 7.4% of monthly housing costs of $1,083/month, for owners with a mortgage compared to 6.11% in Trinity, 7.05% at Morris Chapel & 5.85% in Priceville. But, for households without a mortgage, insurance is 25.2% of costs ($316 in Decatur, AL) in contrast with 21.81% in Trinity, 24.56% at Morris Chapel & 23.8% in Priceville.

Decatur, AL Home Values & Insurance rates

For example, insurance for 957 Homes (6.0% of total homes ) valued between $175,000 to $199,999 in Decatur, AL is about $1,464. Rates in nearby areas in such as Trinity, Priceville, Hartselle are cheaper by $353, $431, $167 respectively while Morris Chapel and Hillsboro are costlier by $337 and $408 respectively for similar homes.

Decatur, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,424 9.0% $191
$50,000 to $59,999 541 3.0% $411
$60,000 to $69,999 692 4.0% $507
$70,000 to $79,999 945 6.0% $583
$80,000 to $89,999 1,203 8.0% $660
$90,000 to $99,999 950 6.0% $736
$100,000 to $124,999 2,025 13.0% $861
$125,000 to $149,999 1,590 10.0% $1071
$150,000 to $174,999 1,674 11.0% $1272
$175,000 to $199,999 957 6.0% $1464
$200,000 to $249,999 1,291 8.0% $1760
$250,000 to $299,999 839 5.0% $2162
$300,000 to $399,999 585 3.0% $2746

Renters Insurance in Decatur

  • Average Renters Insurance in Decatur :  $237($19/month)

  • Median Gross Rent in Decatur :  $608

  • Decatur Renters Insurance to Median Rent Ratio:  3.13%

  • Average household size of renter-occupied unit :  2.34

Decatur Renters Insurance as a Percentage of Rent

Decatur Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 171 2.0% $359
$200 to $299 560 6.0% $809
$300 to $499 1,779 20.0% $1259
$500 to $749 3,852 45.0% $1934
$750 to $999 1,336 15.0% $2684
$1,000 to $1,499 629 7.0% $3809
$1,500 or more 178 2.0% $5459

Rent Affordability in Decatur:

Approximately 41.0% (3,764) of households are spending more than 35% of their income on gross rent in Decatur

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,528 16.0%
15.0 to 19.9 percent 1,195 13.0%
20.0 to 24.9 percent 1,100 12.0%
25.0 to 29.9 percent 770 8.0%
30.0 to 34.9 percent 705 7.0%
35.0 percent or more 3,764 41.0%

Decatur Renters Insurance Discounts:

Decatur Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Decatur, AL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,623 51.0% $23.7
2 vehicles available 2,501 27.0% $35.55
3 or more vehicles available 692 7.0% $47.4

Protective device discount in Decatur Up to :  $35

Claims-free discount in Decatur Up to :  $47