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

  • Average car insurance rates in Belvidere, IL are $266/month
  • The cheapest car insurance company in Belvidere after a DUI is State Farm
  • Average car insurance rates in Belvidere, IL for senior drivers are $1,817/year

Average car insurance rates in Belvidere, Illinois are $266 a month. But with a little research you can get a great deal from the top car insurance companies in Belvidere, IL. Before you buy Belvidere, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Belvidere car insurance rates with Champaign car insurance rates, Naperville car insurance rates, or Chicago car insurance rates to make sure you’re getting the best Belvidere, IL car insurance quotes available.

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

Belvidere, IL Minimum Car Insurance Coverage

Belvidere, 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 Belvidere, 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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Belvidere, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Belvidere, Illinois

Insurance Company Low Medium High
Allstate $5,031 $5,204 $5,392
American Family $3,594 $3,887 $3,766
Farmers $4,436 $4,556 $5,023
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,259 $2,418 $2,595
Nationwide $2,391 $2,439 $2,419
Progressive $3,170 $3,476 $3,877
State Farm $2,203 $2,346 $2,473
Travelers $2,329 $2,491 $2,663
USAA $2,573 $2,761 $2,957

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Belvidere, 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 $3,312 $3,328 $3,467 $3,467 $8,622 $11,191 $3,983 $4,303
American Family $2,310 $2,310 $2,122 $2,122 $6,656 $9,176 $2,310 $2,986
Farmers $2,477 $2,478 $2,193 $2,323 $10,825 $11,296 $2,829 $2,954
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,458 $1,576 $1,205 $1,354 $5,042 $5,628 $1,522 $1,605
Nationwide $1,556 $1,580 $1,390 $1,468 $4,204 $5,377 $1,806 $1,951
Progressive $2,049 $1,927 $1,691 $1,785 $7,359 $8,236 $2,425 $2,588
State Farm $1,444 $1,444 $1,300 $1,300 $4,286 $5,431 $1,636 $1,885
Travelers $1,545 $1,628 $1,426 $1,518 $4,632 $5,853 $1,633 $1,719
USAA $1,650 $1,683 $1,536 $1,518 $5,303 $5,848 $2,174 $2,396

Belvidere, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Belvidere, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,622 $11,191
American Family $6,656 $9,176
Farmers $10,825 $11,296
GEICO $4,524 $4,715
Liberty Mutual $5,042 $5,628
Nationwide $4,204 $5,377
Progressive $7,359 $8,236
State Farm $4,286 $5,431
Travelers $4,632 $5,853
USAA $5,303 $5,848

Belvidere, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Belvidere, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,467 $3,467
American Family $2,122 $2,122
Farmers $2,193 $2,323
GEICO $1,429 $1,724
Liberty Mutual $1,205 $1,354
Nationwide $1,390 $1,468
Progressive $1,691 $1,785
State Farm $1,300 $1,300
Travelers $1,426 $1,518
USAA $1,536 $1,518

Belvidere, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Belvidere, Illinois

Insurance Company Poor Fair Good
Allstate $6,648 $4,787 $4,191
American Family $4,972 $3,397 $2,878
Farmers $5,301 $4,466 $4,248
GEICO $3,813 $1,870 $1,461
Liberty Mutual $3,431 $2,140 $1,701
Nationwide $2,875 $2,330 $2,045
Progressive $4,015 $3,386 $3,122
State Farm $3,405 $2,038 $1,580
Travelers $3,033 $2,458 $1,991
USAA $3,680 $2,528 $2,083

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Belvidere, IL Car Insurance Rates by Driver History

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

Annual Belvidere, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,707 $6,352 $5,886 $4,890
American Family $2,756 $3,914 $5,202 $3,125
Farmers $3,944 $5,090 $4,963 $4,690
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $2,016 $2,874 $2,517 $2,289
Nationwide $1,957 $2,518 $2,951 $2,240
Progressive $2,890 $4,283 $3,206 $3,651
State Farm $2,130 $2,552 $2,341 $2,341
Travelers $1,981 $2,603 $2,908 $2,485
USAA $1,971 $2,830 $3,877 $2,377

Belvidere, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Belvidere, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,886
American Family $5,202
Farmers $4,963
GEICO $3,243
Liberty Mutual $2,517
Nationwide $2,951
Progressive $3,206
State Farm $2,341
Travelers $2,908
USAA $3,877

Belvidere, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Belvidere, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,209 $5,209
American Family $3,701 $3,797
Farmers $4,672 $4,672
GEICO $2,338 $2,425
Liberty Mutual $2,424 $2,424
Nationwide $2,416 $2,416
Progressive $3,508 $3,508
State Farm $2,281 $2,401
Travelers $2,396 $2,592
USAA $2,686 $2,841

Belvidere, IL Cheapest Car Insurance Rates

How do the top Belvidere, Illinois car insurance companies’ average rates stack up against the Belvidere average monthly car insurance rates of $266? Take a look and see.

Best Annual Car Insurance Rates by Company in Belvidere, Illinois

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

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Belvidere, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Belvidere, Illinois

Insurance Company Average Annual Rates
Allstate $5,209
American Family $3,749
Farmers $4,672
GEICO $2,382
Liberty Mutual $2,424
Nationwide $2,416
Progressive $3,508
State Farm $2,341
Travelers $2,494
USAA $2,764

Other Factors Affecting Belvidere, IL Car Insurance Rates

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

Belvidere, IL Commute Time

How does your Belvidere, IL commute time compare with the average driver? In Belvidere, the average commute is 25.6 minutes.

Belvidere, IL Car Insurance Quotes

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