Find Affordable Homeowners Insurance

Decatur AL Home Insurance Rates

Decatur is a city located in the northern region of Alabama along the Tennessee River. We have conducted a study and collected information related to Decatur and homeowners insurance. Our data examines different statistics related to the city as well as their relation to homeowners insurance.

Decatur Weather Conditions

Decatur, Alabama happens to be a warm and humid portion of the state. At the same time, there are certain weather-related hazards that you need to be mindful of. Tornados are extremely common in the area and carry very destructive potential. Earthquakes are similarly concerning. Pursuing homeowners insurance is highly recommended as these natural occurrences can cause a lot of harm.

The general trend in Decatur regarding natural disasters highlights that storms, floods, and tornadoes are the biggest concerns. When you seek out homeowners insurance policies, you need to make sure that you get coverage for these dangers.

Decatur AL Home Insurance Premium Comparison

The research we conducted was based on properties that were 1,500 square feet large, had 2 bathrooms, were valued at $150,000 and were built in the year 2000. Within this paradigm, we consulted three different insurance firms for quotes on insurance premiums. These firms were Liberty Mutual, Travelers, and State Farm.

At the state level, the Alabama average amounted to $144.95, while the average monthly premium for Decatur came to $147.54. Hence, homeowners insurance in Decatur is fairly reasonable given the rates in Alabama. We looked at quotes from two distinct zip codes, 35601 and 35603. Our findings highlight that Travelers is consistently the most affordable insurance provider, while Liberty Mutual is the second most affordable and State Farm is the most expensive.

Zip CodesState FarmLiberty MutualTravelersZip Code Average
Company averages$174.12$148.50$120.00Decatur Average: $147.54
35601$174.33$171.00$129.00$158.11
35603$173.91$126.00$111.00$136.97

On the basis of company averages, this becomes very clear. Travelers is the most cost-efficient option with an average of $120. Liberty Mutual as the second most affordable option has a company average of $148.5, and State Farm is the most expensive at $174.12.

Decatur Statistics

Population statistics for Decatur are as follows:

  • Total population: 55,414
  • Population in households: 54,082
  • Population in families: 43,432

Income statistics for the city are:

  • Median household income: $45,381
  • Average household income: $62,938
  • Per capita income: $25,704

The statistics for housing units in the area are:

  • Total housing units: 24,834
  • Median home value: $132,708
  • Average home value: $164,881

Statistics for households in Decatur are as follows:

  • Total households: 22,277
  • Average household size: 2.43
  • Family households: 14,375

Crime statistics relevant to Decatur are:

  • Burglary: 431 reported cases
  • Theft: 1,680 reported cases
  • Property crime: 2,284 reported cases

Adding onto the crime statistics, for every 100,000 people in Decatur, there are 784.2 burglaries, 3,056.9 thefts, and 4,156 instances of property crime. All manners of property crimes are prevalent in Decatur. The rate of property crimes in this city is 41 percent higher than the state average and 76 percent higher than the national average. Due to that fact, it is generally advisable to acquire homeowners insurance so that you have the relevant protections in place to alleviate the strain of these problems on your finances.

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