Decatur has 7,426 residents in 3,059 households. We list 14 insurance agencies in Decatur. Here is what the local numbers say about the cover people here need.

Decatur at a glance

14insurance agencies listed
28.5%of households rentRenters insurance
$284,500median home valueHome insurance
1988median year homes were builtRebuild cost calculator
6.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Decatur How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

What Decatur agencies can write

Share of the 14 agencies listed in Decatur that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Questions

Insurance agencies in Decatur

How do I find an insurance agency in Decatur?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Decatur?

Most often life, home, health, accident & health, motorcycle. Pick a type in the filters to narrow the list.

Do I need flood insurance in Decatur?

FEMA's National Risk Index rates inland flooding risk in Wise County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Decatur?

28.5% of households in Decatur rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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