Affordable Car Insurance Rates in South Beloit, IL (2021)
Car insurance rates in South Beloit, IL are $254/month on average. By law, Illinois drivers need to carry at least 25/50/20 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple South Beloit car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- Average car insurance rates in South Beloit, IL are $254/month
- The cheapest car insurance company in South Beloit after a DUI is State Farm
- Average car insurance rates in South Beloit, IL for senior drivers are $1,732/year
Average car insurance rates in South Beloit, Illinois are $254 a month. But with a little research you can get a great deal from the top car insurance companies in South Beloit, IL. Before you buy South Beloit, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.
It may even be helpful to compare South Beloit car insurance rates with Springfield car insurance rates, Naperville car insurance rates, or Elgin car insurance rates to make sure you’re getting the best South Beloit, IL car insurance quotes available.
Need affordable South Beloit, IL car insurance? Enter your ZIP code to compare South Beloit car insurance quotes from multiple car insurance companies near you.
Table of Contents
South Beloit, IL Minimum Car Insurance Coverage
South Beloit, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.
| 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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South Beloit, IL Car Insurance Rates by Coverage Level
Some South Beloit drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your South Beloit, Illinois car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,902 | $5,043 | $5,197 |
| American Family | $3,303 | $3,572 | $3,461 |
| Farmers | $4,089 | $4,196 | $4,606 |
| GEICO | $2,164 | $2,374 | $2,607 |
| Liberty Mutual | $2,203 | $2,321 | $2,453 |
| Nationwide | $2,391 | $2,439 | $2,419 |
| Progressive | $2,978 | $3,237 | $3,525 |
| State Farm | $2,030 | $2,159 | $2,276 |
| Travelers | $2,222 | $2,374 | $2,535 |
| USAA | $2,573 | $2,761 | $2,957 |
South Beloit, IL Car Insurance Rates by Age, Gender, and Marital Status
South Beloit, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy South Beloit, IL car insurance, get quotes from multiple car insurance companies in the South Beloit area and see how these criteria affect your rates.
| 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 | $3,209 | $3,224 | $3,354 | $3,354 | $8,342 | $10,860 | $3,860 | $4,174 |
| American Family | $2,121 | $2,121 | $1,949 | $1,949 | $6,125 | $8,434 | $2,121 | $2,743 |
| Farmers | $2,277 | $2,272 | $2,017 | $2,135 | $9,960 | $10,378 | $2,610 | $2,728 |
| GEICO | $1,489 | $1,509 | $1,429 | $1,724 | $4,524 | $4,715 | $1,873 | $1,790 |
| Liberty Mutual | $1,420 | $1,531 | $1,178 | $1,314 | $4,789 | $5,322 | $1,486 | $1,569 |
| Nationwide | $1,556 | $1,580 | $1,390 | $1,468 | $4,204 | $5,377 | $1,806 | $1,951 |
| Progressive | $1,847 | $1,736 | $1,523 | $1,597 | $6,918 | $7,759 | $2,201 | $2,390 |
| State Farm | $1,326 | $1,326 | $1,195 | $1,195 | $3,956 | $5,006 | $1,503 | $1,735 |
| Travelers | $1,475 | $1,554 | $1,363 | $1,450 | $4,409 | $5,567 | $1,559 | $1,640 |
| USAA | $1,650 | $1,683 | $1,536 | $1,518 | $5,303 | $5,848 | $2,174 | $2,396 |
South Beloit, IL Car Insurance Rates for Teens
How much is South Beloit, Illinois car insurance for teens? Compare rates from top South Beloit car insurance companies below to help find the cheapest teen car insurance in South Beloit, IL.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,342 | $10,860 |
| American Family | $6,125 | $8,434 |
| Farmers | $9,960 | $10,378 |
| GEICO | $4,524 | $4,715 |
| Liberty Mutual | $4,789 | $5,322 |
| Nationwide | $4,204 | $5,377 |
| Progressive | $6,918 | $7,759 |
| State Farm | $3,956 | $5,006 |
| Travelers | $4,409 | $5,567 |
| USAA | $5,303 | $5,848 |
South Beloit, IL Car Insurance Rates for Seniors
Before seniors buy South Beloit, Illinois car insurance, they should make sure to shop around. Some South Beloit, IL car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,354 | $3,354 |
| American Family | $1,949 | $1,949 |
| Farmers | $2,017 | $2,135 |
| GEICO | $1,429 | $1,724 |
| Liberty Mutual | $1,178 | $1,314 |
| Nationwide | $1,390 | $1,468 |
| Progressive | $1,523 | $1,597 |
| State Farm | $1,195 | $1,195 |
| Travelers | $1,363 | $1,450 |
| USAA | $1,536 | $1,518 |
South Beloit, IL Car Insurance Rates by Credit History
How does your credit history affect South Beloit, IL car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,434 | $4,645 | $4,062 |
| American Family | $4,566 | $3,123 | $2,647 |
| Farmers | $4,877 | $4,108 | $3,907 |
| GEICO | $3,813 | $1,870 | $1,461 |
| Liberty Mutual | $3,290 | $2,054 | $1,633 |
| Nationwide | $2,875 | $2,330 | $2,045 |
| Progressive | $3,691 | $3,141 | $2,907 |
| State Farm | $3,134 | $1,876 | $1,455 |
| Travelers | $2,890 | $2,343 | $1,898 |
| USAA | $3,680 | $2,528 | $2,083 |
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South Beloit, IL Car Insurance Rates by Driver History
How does a single speeding ticket affect your South Beloit, Illinois car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in South Beloit.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,605 | $6,130 | $5,712 | $4,740 |
| American Family | $2,529 | $3,607 | $4,776 | $2,868 |
| Farmers | $3,622 | $4,681 | $4,564 | $4,321 |
| GEICO | $1,745 | $2,359 | $3,243 | $2,179 |
| Liberty Mutual | $1,934 | $2,752 | $2,418 | $2,199 |
| Nationwide | $1,957 | $2,518 | $2,951 | $2,240 |
| Progressive | $2,671 | $3,984 | $2,959 | $3,371 |
| State Farm | $1,959 | $2,351 | $2,155 | $2,155 |
| Travelers | $1,890 | $2,481 | $2,769 | $2,369 |
| USAA | $1,971 | $2,830 | $3,877 | $2,377 |
South Beloit, IL Car Insurance Rates With a DUI
Even a single DUI can increase your South Beloit, IL car insurance rates. Compare rates below to see which South Beloit car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,712 |
| American Family | $4,776 |
| Farmers | $4,564 |
| GEICO | $3,243 |
| Liberty Mutual | $2,418 |
| Nationwide | $2,951 |
| Progressive | $2,959 |
| State Farm | $2,155 |
| Travelers | $2,769 |
| USAA | $3,877 |
South Beloit, IL Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your South Beloit, IL car insurance rates may be. Let’s take a look at average car insurance rates from top South Beloit companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,047 | $5,047 |
| American Family | $3,401 | $3,489 |
| Farmers | $4,297 | $4,297 |
| GEICO | $2,338 | $2,425 |
| Liberty Mutual | $2,326 | $2,326 |
| Nationwide | $2,416 | $2,416 |
| Progressive | $3,246 | $3,246 |
| State Farm | $2,100 | $2,210 |
| Travelers | $2,284 | $2,470 |
| USAA | $2,686 | $2,841 |
South Beloit, IL Cheapest Car Insurance Rates
How do the top South Beloit, Illinois car insurance companies’ average rates stack up against the South Beloit average monthly car insurance rates of $254? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | GEICO |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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South Beloit, IL Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top South Beloit, Illinois car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,047 |
| American Family | $3,445 |
| Farmers | $4,297 |
| GEICO | $2,382 |
| Liberty Mutual | $2,326 |
| Nationwide | $2,416 |
| Progressive | $3,246 |
| State Farm | $2,155 |
| Travelers | $2,377 |
| USAA | $2,764 |
Other Factors Affecting South Beloit, IL Car Insurance Rates
Before you buy South Beloit, Illinois car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
South Beloit, IL Commute Time
How does your South Beloit, IL commute time compare with the average driver? In South Beloit, the average commute is 23.4 minutes.
South Beloit, IL Car Insurance Quotes
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