South Beloit, IL Auto Insurance (2024)
The average South Beloit, IL auto insurance rates are $254 per month. The minimum auto insurance in South Beloit is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in South Beloit, Illinois, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in South Beloit is 23.4 minutes
- The most expensive auto insurance company in South Beloit for teen drivers is Farmers
- The cheapest auto insurance company in South Beloit is State Farm
South Beloit, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in South Beloit can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in South Beloit, Illinois, including driving record, credit, commute time, and more.
Compare auto insurance in South Beloit to other Illinois cities, including Rockford auto insurance rates, Joliet auto insurance rates, and Peoria auto insurance rates to see how South Beloit, Illinois auto insurance rates stack up.
Before you buy South Beloit, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free South Beloit, Illinois auto insurance quotes.
Minimum Auto Insurance in South Beloit, Illinois
South Beloit, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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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Cheap South Beloit, Illinois Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in South Beloit, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap South Beloit, Illinois Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in South Beloit, Illinois is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap South Beloit, Illinois Auto Insurance for Seniors
What are senior auto insurance rates in South Beloit, Illinois? Take a look at the annual average rates for older drivers.
| 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 |
Cheap South Beloit, Illinois Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in South Beloit, Illinois compared to the annual auto insurance rates with a clean record in South Beloit, Illinois.
| 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 |
Cheap South Beloit, Illinois Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in South Beloit, Illinois is not easy. Compare the annual rates for DUI auto insurance in South Beloit, Illinois to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap South Beloit, Illinois Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how South Beloit, Illinois annual auto insurance rates by credit history compare.
| 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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Cheap South Beloit, Illinois Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in South Beloit, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in South Beloit, Illinois to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 61080 | $3,006 |
Cheap South Beloit, Illinois Auto Insurance Rates By Commute
Commute length and annual mileage affect South Beloit, Illinois auto insurance. Find the cheapest annual South Beloit, Illinois auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap South Beloit, Illinois Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in South Beloit, Illinois? Check out the comparison of annual South Beloit, Illinois auto insurance rates by coverage level.
| 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 |
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Best By Category: Cheapest Auto Insurance in South Beloit, Illinois
Compare the cheapest auto insurance companies in South Beloit, Illinois in each category to find the company with the best rates for your personal needs.
| 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 |
The Cheapest South Beloit, Illinois Auto Insurance Companies
What auto insurance companies in South Beloit, Illinois are the cheapest? Compare the top South Beloit, Illinois auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in South Beloit, Illinois?
There are a lot of reasons why auto insurance rates in South Beloit, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in South Beloit, Illinois. Many local factors may affect your South Beloit auto insurance rates.
South Beloit Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average South Beloit, Illinois commute length is 23.4 minutes according to City-Data.
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Compare South Beloit, Illinois Auto Insurance Quotes
Before you buy South Beloit, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free South Beloit, Illinois auto insurance quotes.
Frequently Asked Questions
How does the type of vehicle I choose affect my auto insurance rates?
Insurance companies rate vehicles based on the perceived risk associated with ownership. Different vehicle types attract drivers with certain driving characteristics, which can impact insurance rates.
What factors should I consider when choosing an auto insurance company?
When choosing an insurance company, consider their A.M. Best Company Rating, which reflects their financial strength, and the customer service/complaint ratio, which indicates how well they handle customer requests and claims.
What are the different types of auto insurance coverage?
Auto insurance policies consist of coverage types required by the state and tailored to the driver’s situation. An experienced agent can help assemble the most appropriate coverage, ensuring sufficient protection without overinsuring the vehicle.
What are no-fault auto insurance laws?
Some states have adopted a modified no-fault system to control the size of lawsuit awards, which contribute to increased insurance rates. Under a no-fault system, each driver’s insurance company pays for their own policyholder’s injuries regardless of fault.
How can I lower my auto insurance premium rates?
Aside from existing vehicle features, you can lower your annual premium through options and discounts. This includes applying for appropriate coverage, providing accurate information, and taking advantage of available discounts offered by insurance companies.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.