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 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.

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.

Minimum Required Car Insurance Coverage in South Beloit, 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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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.

Annual Car Insurance Rates by Coverage Level in South Beloit, Illinois

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in South Beloit, 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 $3,209 $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.

Annual Car Insurance Rates for Teen Drivers in South Beloit, Illinois

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.

Annual Car Insurance Rates for Senior Drivers in South Beloit, Illinois

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.

Annual Car Insurance Rates by Credit Score in South Beloit, Illinois

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.

Annual South Beloit, Illinois Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in South Beloit, Illinois

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.

Annual Car Insurance Rates by Commute Length in South Beloit, Illinois

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.

Best Annual Car Insurance Rates by Company in South Beloit, Illinois

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.

Average Annual Car Insurance Rates by Company in South Beloit, Illinois

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

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