Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Belleville after a DUI is State Farm
  • The cheapest car insurance company in Belleville for teen drivers is State Farm
  • Average car insurance rates in Belleville, IL for senior drivers are $2,021/year

Average car insurance rates in Belleville, Illinois are $297 a month. But with a little research you can get a great deal from the top car insurance companies in Belleville, IL. Before you buy Belleville, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Belleville car insurance rates with Elgin car insurance rates, Aurora car insurance rates, or Peoria car insurance rates to make sure you’re getting the best Belleville, IL car insurance quotes available.

Need affordable Belleville, IL car insurance? Enter your ZIP code to compare Belleville car insurance quotes from multiple car insurance companies near you.

Belleville, IL Minimum Car Insurance Coverage

Belleville, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Belleville, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Belleville, IL Car Insurance Rates by Coverage Level

Some Belleville drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your Belleville, Illinois car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Belleville, Illinois

Insurance Company Low Medium High
Allstate $4,925 $5,103 $5,301
American Family $3,985 $4,300 $4,159
Farmers $4,683 $4,821 $5,341
GEICO $2,651 $2,921 $3,227
Liberty Mutual $2,370 $2,516 $2,681
Nationwide $3,847 $3,939 $3,912
Progressive $3,705 $4,099 $4,601
State Farm $2,331 $2,503 $2,664
Travelers $2,590 $2,778 $2,979
USAA $2,528 $2,698 $2,876

Belleville, IL Car Insurance Rates by Age, Gender, and Marital Status

Belleville, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Belleville, IL car insurance, get quotes from multiple car insurance companies in the Belleville area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Belleville, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,260 $3,276 $3,409 $3,409 $8,452 $10,937 $3,912 $4,223
American Family $2,573 $2,573 $2,356 $2,356 $7,307 $10,127 $2,573 $3,319
Farmers $2,621 $2,622 $2,321 $2,464 $11,495 $11,986 $2,981 $3,098
GEICO $1,780 $1,813 $1,723 $2,093 $5,730 $5,960 $2,237 $2,126
Liberty Mutual $1,536 $1,660 $1,274 $1,427 $5,198 $5,788 $1,604 $1,691
Nationwide $2,457 $2,496 $2,181 $2,311 $6,897 $8,859 $2,876 $3,118
Progressive $2,395 $2,245 $1,976 $2,090 $8,735 $9,785 $2,831 $3,025
State Farm $1,539 $1,539 $1,390 $1,390 $4,579 $5,815 $1,743 $1,997
Travelers $1,721 $1,816 $1,584 $1,688 $5,168 $6,540 $1,822 $1,920
USAA $1,612 $1,641 $1,498 $1,474 $5,195 $5,733 $2,121 $2,331

Belleville, IL Car Insurance Rates for Teens

How much is Belleville, Illinois car insurance for teens? Compare rates from top Belleville car insurance companies below to help find the cheapest teen car insurance in Belleville, IL.

Annual Car Insurance Rates for Teen Drivers in Belleville, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,452 $10,937
American Family $7,307 $10,127
Farmers $11,495 $11,986
GEICO $5,730 $5,960
Liberty Mutual $5,198 $5,788
Nationwide $6,897 $8,859
Progressive $8,735 $9,785
State Farm $4,579 $5,815
Travelers $5,168 $6,540
USAA $5,195 $5,733

Belleville, IL Car Insurance Rates for Seniors

Before seniors buy Belleville, Illinois car insurance, they should make sure to shop around. Some Belleville, IL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Belleville, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,409 $3,409
American Family $2,356 $2,356
Farmers $2,321 $2,464
GEICO $1,723 $2,093
Liberty Mutual $1,274 $1,427
Nationwide $2,181 $2,311
Progressive $1,976 $2,090
State Farm $1,390 $1,390
Travelers $1,584 $1,688
USAA $1,498 $1,474

Belleville, IL Car Insurance Rates by Credit History

How does your credit history affect Belleville, IL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Belleville, Illinois

Insurance Company Poor Fair Good
Allstate $6,513 $4,699 $4,117
American Family $5,517 $3,753 $3,173
Farmers $5,615 $4,730 $4,500
GEICO $4,716 $2,296 $1,787
Liberty Mutual $3,573 $2,226 $1,768
Nationwide $4,662 $3,756 $3,280
Progressive $4,725 $3,994 $3,686
State Farm $3,632 $2,176 $1,689
Travelers $3,387 $2,740 $2,220
USAA $3,599 $2,469 $2,033

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Belleville, IL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Belleville, Illinois car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Belleville.

Annual Belleville, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,641 $6,226 $5,776 $4,796
American Family $3,052 $4,317 $5,761 $3,462
Farmers $4,180 $5,395 $5,262 $4,957
GEICO $2,111 $2,897 $4,089 $2,634
Liberty Mutual $2,097 $2,988 $2,621 $2,383
Nationwide $3,131 $4,069 $4,793 $3,604
Progressive $3,399 $5,064 $3,777 $4,301
State Farm $2,272 $2,726 $2,499 $2,499
Travelers $2,204 $2,900 $3,253 $2,772
USAA $1,926 $2,766 $3,787 $2,323

Belleville, IL Car Insurance Rates With a DUI

Even a single DUI can increase your Belleville, IL car insurance rates. Compare rates below to see which Belleville car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Belleville, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,776
American Family $5,761
Farmers $5,262
GEICO $4,089
Liberty Mutual $2,621
Nationwide $4,793
Progressive $3,777
State Farm $2,499
Travelers $3,253
USAA $3,787

Belleville, IL Car Insurance Rates by ZIP Code

Just like Belleville car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Belleville, IL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Belleville, Illinois

ZIP Code Average Annual Rates
62220 $3,563
62221 $3,474
62223 $3,616
62226 $3,480

Belleville, IL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Belleville, IL car insurance rates may be. Let’s take a look at average car insurance rates from top Belleville companies based on commute time.

Annual Car Insurance Rates by Commute Length in Belleville, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,110 $5,110
American Family $4,095 $4,201
Farmers $4,949 $4,949
GEICO $2,879 $2,987
Liberty Mutual $2,522 $2,522
Nationwide $3,899 $3,899
Progressive $4,135 $4,135
State Farm $2,433 $2,565
Travelers $2,672 $2,892
USAA $2,625 $2,776

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Belleville, IL Cheapest Car Insurance Rates

How do the top Belleville, Illinois car insurance companies’ average rates stack up against the Belleville average monthly car insurance rates of $297? Take a look and see.

Best Annual Car Insurance Rates by Company in Belleville, Illinois

Category Insurance Company
Teenagers State Farm
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

Belleville, IL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Belleville, Illinois car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Belleville, Illinois

Insurance Company Average Annual Rates
Allstate $5,110
American Family $4,148
Farmers $4,949
GEICO $2,933
Liberty Mutual $2,522
Nationwide $3,899
Progressive $4,135
State Farm $2,499
Travelers $2,782
USAA $2,701

Other Factors Affecting Belleville, IL Car Insurance Rates

Before you buy Belleville, Illinois car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Belleville, IL Commute Time

How does your Belleville, IL commute time compare with the average driver? In Belleville, the average commute is 25.7 minutes.

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Belleville, IL Car Insurance Quotes

Compare Belleville, IL car insurance quotes from multiple companies by entering your ZIP code now.