Best South Beloit, Illinois Auto Insurance in 2026 (Check Out the Top 10 Companies)
The best South Beloit, Illinois auto insurance providers are Chubb, USAA, and Geico, offering competitive rates starting at $95/month. Chubb is the top pick overall, providing the best coverage for all, while USAA excels for military families, and Geico offers some of the most affordable rates in South Beloit.
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Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Jimmy McMillan
Updated November 2024
82 reviewsCompany Facts
Full Coverage in South Beloit Illinois
A.M. Best
Complaint Level
Pros & Cons
82 reviews
6,589 reviewsCompany Facts
Full Coverage in South Beloit Illinois
A.M. Best
Complaint Level
Pros & Cons
6,589 reviews
19,116 reviewsCompany Facts
Full Coverage in South Beloit Illinois
A.M. Best
Complaint Level
Pros & Cons
19,116 reviewsHere are the best South Beloit, Illinois auto insurance companies and their total coverage vehicle insurance rates, which cost the lowest $95 monthly. Chubb gets our top overall nod, with coverage for all drivers.
Of the companies considered, USAA is perfect for military families, and Geico provides some of the best cheap rates in all 50 states. For additional insights, refer to our “Cheap Auto Insurance in Illinois.”
Our Top 10 Company Picks: Best South Beloit, Illinois Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 12% | A++ | Comprehensive Coverage | Chubb |
 | #2 | 10% | A++ | Military Focus | USAA |
 | #3 | 25% | A++ | Innovative Tools | Geico |
 | #4 | 20% | A | Customizable Policies | Farmers |
 | #5 | 25% | A | Nationwide Network | Nationwide |
 | #6 | 25% | A+ | Strong Reputation | Allstate |
 | #7 | 25% | B | Local Agents | State Farm |
 | #8 | 12% | A+ | Competitive Rates | Progressive |
 | #9 | 25% | A | Flexible Options | Liberty Mutual |
 | #10 | 10% | A+ | Reliable Service | Erie |
Age, driving record, and level of coverage all significantly affect rates, so it’s important to compare as many providers as possible. Enter your ZIP code to start comparing total coverage auto insurance rates.
- Compare rates and coverage for the best South Beloit, Illinois, auto insurance.
- Evaluate age, driving record, and discounts to lower premiums.
- Chubb is the top pick, with comprehensive coverage starting at $107/month.
#1 – Chubb: Top Overall Pick
Pros
- Comprehensive Coverage: Chubb offers specialized coverage for high-value vehicles, making it ideal for car owners in South Beloit, Illinois.
- Agreed Value Option: Chubb’s policies guarantee fully insured amounts without depreciation, which is perfect for South Beloit car owners. Check out our article, “Chubb Auto Insurance Review.”
- Customizable Insurance: Chubb allows South Beloit, Illinois, drivers to add features like OEM parts coverage for added protection.
Cons
- Expensive Car Insurance: Chubb’s high premiums may not suit budget-conscious South Beloit, Illinois, car owners.
- Limited discounts: Chubb offers fewer discounts than competitors, making it harder for South Beloit drivers to save.
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#2 – USAA: Best for Military Families
Pros
- Affordable for Military Members: USAA provides competitive rates for military families in South Beloit, Illinois.
- Superior Customer Service: USAA has excellent customer satisfaction ratings, ensuring reliable support for South Beloit car owners.
- Comprehensive Insurance Options: USAA offers tailored coverage for military families in South Beloit, Illinois. Read our article, “USAA Auto Insurance Review.”
Cons
- Limited to Military Car Owners: USAA is only available to military personnel and their families, restricting options for other South Beloit residents.
- Fewer Local Offices: USAA’s limited branch locations may be inconvenient for South Beloit car owners needing in-person assistance.
#3 – Geico: Best for Affordable Coverage
Pros
- Low-Cost Rates: Geico is known for providing some of South Beloit, Illinois’s most affordable auto insurance premiums.
- Numerous Discounts: Geico offers extensive discounts, making it easier for South Beloit car owners to save. Explore our article, “Geico Auto Insurance Review.”
- Convenient Digital Tools: Geico’s mobile app helps South Beloit drivers manage their car insurance policies effectively.
Cons
- Limited Personal Interaction: Geico’s digital-first approach may appeal to only some South Beloit car owners.
- Average Customer Service: Some South Beloit drivers need more responsive service when filing claims with Geico.
#4 – Farmers: Best for Customizable Policies
Pros
- Highly Customizable Policies: Farmers allow South Beloit, Illinois, car owners to tailor coverage options to their needs.
- Accident Forgiveness: Farmers offer forgiveness, benefiting South Beloit drivers with at-fault accidents. Discover our article, “Farmers Auto Insurance Review.”
- Local Agents for Personalized Service: Farmers have agents in South Beloit who provide tailored support for car owners.
Cons
- Higher-Than-Average Premiums: Farmers’ rates can be pricier, making it less affordable for some South Beloit, Illinois drivers.
- Limited Discounts: Farmers have fewer discounts available, which may hinder savings for South Beloit car owners.
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#5 – Nationwide: Best for Safe Drivers
Pros
- Discounts for Safe Drivers: Nationwide rewards safe driving with competitive discounts for South Beloit drivers.
- Robust Coverage Options: Nationwide offers comprehensive policies, providing South Beloit car owners peace of mind.
- Good Financial Stability: Nationwide’s solid reputation ensures reliable claims payouts for South Beloit drivers. View our article, “Nationwide Auto Insurance Review.”
Cons
- Average Customer Satisfaction: Nationwide’s average customer service ratings affect South Beloit drivers during claims.
- Higher Premiums for Younger Drivers: Nationwide’s rates may be steep for younger South Beloit drivers.
#6 – Allstate: Best for Local Agent Support
Pros
- Extensive Local Agent Network: Allstate provides easy access to personalized support for car owners in South Beloit, Illinois.
- Variety Coverage Options: Allstate offers various policies suitable for South Beloit car owners. Learn more from our article, “Allstate Auto Insurance Review.”
- Reward Programs: Allstate’s rewards programs can provide additional savings for safe drivers in South Beloit, Illinois.
Cons
- High Premiums: Allstate’s rates can be above average, making it less affordable for some South Beloit drivers.
- Limited Discounts: Allstate has fewer discount opportunities, making savings difficult for South Beloit car owners.
#7 – State Farm: Best for Overall Value
Pros
- Affordable Rates: State Farm offers competitive premiums, which are especially beneficial for South Beloit drivers.
- Intense Customer Satisfaction: State Farm is known for reliable support, ensuring smooth claims for South Beloit car owners.
- Extensive Discount Options: State Farm provides various discounts, helping South Beloit drivers save on premiums. Don’t miss our article, “State Farm Auto Insurance Review.”
Cons
- Limited Coverage: State Farm may not be the best choice for luxury vehicle owners in South Beloit, Illinois.
- Higher Rates for Drivers With Poor Credit: South Beloit car owners with lower credit scores may face increased premiums from State Farm.
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#8 – Progressive: Best for Drivers with a DUI
Pros
- Affordable for High-Risk Drivers: Progressive offers competitive rates for South Beloit drivers with DUIs.
- Snapshot Program: Progressive’s Snapshot program helps South Beloit car owners save based on their driving habits. Dive into our article, “Progressive Auto Insurance Review.”
- Flexible Policy Options: South Beloit drivers can choose from various coverage levels with Progressive.
Cons
- Higher Rates for Low-Risk Drivers: Progressive’s premiums may be higher for safe drivers than other South Beloit insurers.
- Inconsistent Customer Service: Some South Beloit drivers report mixed experiences with Progressive’s claims process.
#9 – Liberty Mutual: Best for Discounts
Pros
- Wide Range of Discounts: Liberty Mutual offers numerous discounts, making car insurance more affordable for South Beloit drivers.
- Better Coverage Options: Liberty Mutual provides various add-ons, ensuring comprehensive coverage for South Beloit car owners. Browse our article, “Liberty Mutual Auto Insurance Review.”
- Financial Solid Backing claims: Liberty Mutual’s stability ensures smooth claims processing for South Beloit, Illinois, car owners.
Cons
- Higher Premiums for Some Drivers: Liberty Mutual can have elevated rates, especially for South Beloit car owners.
- Average Customer Satisfaction: Liberty Mutual’s customer service ratings are average, which may frustrate South Beloit drivers.
#10 – Erie: Best for Customer Satisfaction
Pros
- Highly Rated Customer Service: Erie consistently ranks high for customer satisfaction, ensuring smooth claims handling for South Beloit car owners.
- Competitive Rates for Long-Term Customers: Erie offers rate lock options that benefit South Beloit drivers over time. For more information, refer to our article, “Erie Auto Insurance Review.”
- Comprehensive Policies: Erie provides diverse coverage options, including unique features for South Beloit, Illinois drivers.
Cons
- Limited Availability of Coverage: Erie’s policies are unavailable in all states, affecting South Beloit car owners who relocate.
- Fewer Discounts: Erie offers fewer discounts than other providers, making savings harder for South Beloit drivers.
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South Beloit, Illinois Auto Insurance Monthly Rates by Provider & Coverage Level
Auto insurance rates in South Beloit, Illinois, vary based on the level of coverage you choose. Minimum coverage options, which meet state requirements but provide less protection, typically offer the lowest premiums.
South Beloit, Illinois Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $110 | $165 |
| $107 | $165 |
| $106 | $150 |
| $102 | $155 |
| $95 | $137 |
| $108 | $172 |
| $101 | $149 |
| $100 | $144 |
| $99 | $152 |
| $104 | $158 |
However, full coverage, which includes comprehensive and collision insurance, provides more extensive protection but comes with higher rates.
Auto Insurance Discounts From the Top Providers in South Beloit, Illinois
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Good Student, Anti-Theft, Claim-Free, Vehicle Safety Features |
| Multi-Policy, Safe Driver, Anti-Theft, Good Student |
| Multi-Policy, Safe Driver, Good Student, Anti-Theft, Vehicle Safety Features |
| Multi-Policy, Safe Driver, Good Student, Anti-Theft, Claim-Free, Vehicle Safety Features |
| Multi-Policy, Good Driver, Emergency Deployment, Federal Employee, Vehicle Safety Features, Low Mileage, Seat Belt Use |
| Multi-Policy, Safe Driver, Good Student, Anti-Theft, Vehicle Safety Features, Low Mileage |
| Multi-Policy, Safe Driver, Good Student, Anti-Theft, Low Mileage |
| Multi-Policy, Safe Driver, Good Student, Vehicle Safety Features, Low Mileage, Homeowners |
| Multi-Policy, Safe Driver, Good Student, Vehicle Safety Features, Low Mileage, Defensive Driver |
| Multi-Policy, Safe Driver, Military, Defensive Driver, Low Mileage |
Comparing coverage options can help drivers find affordable policies that meet their needs. For deeper insights, read our article “Best Pay-As-You-Go Auto Insurance in Illinois.”
South Beloit, Illinois Auto Insurance by Credit History
Auto insurance rates in South Beloit, Illinois, can be heavily influenced by your credit history. Drivers with excellent credit often secure lower premiums. Insurance companies view credit scores as an indicator of risk, meaning those with poor credit may face higher rates.
However, some insurers are more lenient, offering competitive rates despite less-than-perfect credit. Comparing multiple providers, such as Geico and State Farm, can help drivers find affordable options, even with a challenging credit history.
Chubb stands out for South Beloit drivers, offering top-notch comprehensive coverage that combines excellent protection with great value.Kristine Lee Licensed Insurance Agent
Improving credit scores over time can also lead to substantial savings on auto insurance premiums in South Beloit. Our article “Best Savanna, Illinois Auto Insurance” will help you gain a deeper understanding.
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 necessary auto insurance in South Beloit, Illinois.
How Age, Gender, and Marital Status Impact Auto Insurance Rates in South Beloit, Illinois
Auto insurance rates in South Beloit, Illinois, are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Monthly Auto Insurance Rates by Age & Gender in South Beloit, Illinois
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female |
|---|---|---|---|---|---|---|---|
| $695 | $905 | $322 | $348 | $267 | $269 | $280 |
| $850 | $1,100 | $325 | $340 | $275 | $280 | $260 |
| $830 | $865 | $218 | $227 | $190 | $189 | $168 |
| $377 | $393 | $156 | $149 | $124 | $126 | $119 |
| $399 | $444 | $124 | $131 | $118 | $128 | $98 |
| $350 | $448 | $151 | $163 | $130 | $132 | $116 |
| $577 | $647 | $183 | $199 | $154 | $145 | $127 |
| $330 | $417 | $125 | $145 | $111 | $111 | $100 |
 | $367 | $464 | $130 | $137 | $123 | $130 | $114 |
| $442 | $487 | $181 | $200 | $138 | $140 | $128 |
Auto insurance rates in South Beloit, Illinois, vary significantly based on age, gender, and marital status. Younger drivers typically pay higher premiums. Married individuals often receive lower rates than single drivers, regardless of age or gender. Dive into the details with our article, “Best Rockford, Illinois Auto Insurance.”
Comparing Affordable Teen Auto Insurance Rates in South Beloit, Illinois: Annual Costs for 17-Year-Old Drivers
Finding cheap teen auto insurance in South Beloit, Illinois, can be challenging. Here are the annual rates.
Monthly Auto Insurance Rates for Teen Drivers in South Beloit, Illinois by Company
| Insurance Company | Age: 17 Female | Age: 17 Male |
|---|---|---|
| $695 | $905 |
| $850 | $1,000 |
| $830 | $865 |
| $377 | $393 |
| $399 | $444 |
| $350 | $448 |
| $577 | $647 |
| $330 | $417 |
| $367 | $464 |
| $442 | $487 |
Teen drivers in South Beloit, Illinois, face higher auto insurance rates, with males generally paying more than females across all companies. Geico and State Farm offer the most affordable options for 17-year-old drivers, while Allstate and Farmers have the highest rates. Deepen your understanding with our article called “Cheapest Teen Driver Auto Insurance in Illinois.”
Senior Auto Insurance Rates in South Beloit, Illinois: Annual Costs for Drivers Aged 60 and Older
What are senior auto insurance rates in South Beloit, Illinois? Take a look at the annual average rates for older drivers.
Monthly Auto Insurance Rates for Senior Drivers in South Beloit, Illinois by Company
| Insurance Company | Age: 60 Female | Age: 60 Male |
|---|---|---|
| $280 | $280 |
| $260 | $275 |
| $168 | $178 |
| $119 | $144 |
| $98 | $110 |
| $116 | $122 |
| $127 | $133 |
| $100 | $100 |
| $114 | $121 |
| $128 | $127 |
Liberty Mutual and State Farm offer some of the lowest rates, while Allstate tends to be more expensive for this demographic. Delve into the specifics in our article “Best Auto Insurance for Seniors in Illinois.”
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How Driving Records Impact Auto Insurance Rates in South Beloit, Illinois: Clean vs. Bad Record Comparisons
Your driving record has a significant impact on your auto insurance rates. See the annual auto insurance rates for those with a lousy record in South Beloit, Illinois, compared to those with a clean record.
Monthly Auto Insurance Rates by Driving Record in South Beloit, Illinois by Company
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $300 | $511 | $476 | $395 |
| $320 | $450 | $425 | $410 |
| $302 | $390 | $380 | $360 |
| $145 | $197 | $270 | $182 |
| $161 | $229 | $202 | $183 |
| $163 | $210 | $246 | $187 |
| $223 | $332 | $247 | $281 |
| $163 | $196 | $180 | $180 |
| $158 | $207 | $231 | $197 |
| $164 | $236 | $323 | $198 |
Auto insurance rates in South Beloit, Illinois, increase significantly with accidents, DUIs, or speeding violations. Geico and Liberty Mutual offer the most competitive rates for drivers with clean records, while rates surge across all companies for drivers with a history of accidents or DUIs. Broaden your knowledge with our article, “Best Auto Insurance After a DUI in Illinois.”
Comparing DUI Auto Insurance Rates in South Beloit, Illinois: Find the Best Annual 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.
Monthly Auto Insurance Rates After a DUI in South Beloit, Illinois by Company
| Insurance Company | One DUI |
|---|---|
| $476 |
| $425 |
| $380 |
| $323 |
| $270 |
| $247 |
| $246 |
| $231 |
| $202 |
| $180 |
After a DUI in South Beloit, Illinois, auto insurance rates increase, with State Farm and Liberty Mutual offering some of the most affordable options. Geico and Nationwide also provide competitive rates, while Allstate has the highest premiums for drivers with a DUI. Explore our article titled “Best Park Forest, Illinois Auto Insurance.”
South Beloit, Illinois Auto Insurance Rates by ZIP Code
Auto insurance rates in South Beloit, Illinois, can vary significantly depending on the ZIP code due to crime rates, traffic density, and accident statistics. Areas with higher crime or more traffic tend to have higher premiums, as insurers view these locations as riskier.
Conversely, ZIP codes with lower traffic congestion and fewer accidents often benefit from more affordable rates. Comparing quotes from insurers like Geico, State Farm, and Liberty Mutual across different ZIP codes in South Beloit can help drivers find the best deals based on location. Find out more by reading our “Best Springfield, Illinois Auto Insurance.”
Cheap South Beloit, Illinois Auto Insurance Rates by Commute
In South Beloit, Illinois, auto insurance rates can be influenced by the length of your daily commute. Drivers with longer commutes typically face higher premiums due to the increased time spent on the road, which raises the likelihood of accidents.
South Beloit, Illinois Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Coverage Options | B | Offers essential coverage options including liability and comprehensive. |
| Discounts Available | B | Discounts available for safe driving and bundling policies. |
| Cost of Insurance | B | Average annual premium around $1,869, which is competitive for the area. |
| Customer Satisfaction | C | Mixed reviews on claims processing and customer service. |
Conversely, shorter commutes may result in lower rates since there’s less risk involved.
South Beloit, Illinois Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Average Annual Premium | $1,869 |
| Minimum Liability Requirement | $25K per person, $50K per accident, $15K for property damage. |
| Percentage of Uninsured Drivers | 12% |
| Average Claim Filing Period | 2 years from the date of the accident. |
| Average Rate Increase After a DUI | Approximately $876. |
Many insurers, including Chubb, USAA, and Geico, offer more competitive rates for drivers with shorter commutes.
To save on insurance, consider adjusting your daily driving habits or exploring telematics programs that reward low-mileage drivers. Explore further with our article, “Best Chicago, Illinois Auto Insurance.”
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Top Auto Insurance Options in South Beloit, Illinois: Find the Best Coverage and Rates
This article explores the best auto insurance options in South Beloit, Illinois. It highlights top providers such as Chubb, USAA, and Geico, which offer competitive rates at $95 monthly. Chubb is recognized as the overall top pick for its comprehensive coverage, which is suitable for all drivers.
At the same time, USAA caters specifically to military families, and Geico provides affordable options for budget-conscious consumers. Key factors influencing auto insurance rates include age, driving record, and coverage levels, emphasizing the importance of comparing quotes to find the best policy.
Additionally, the article discusses discounts available to drivers and the varying requirements based on demographics, ensuring residents of South Beloit can secure the most suitable and cost-effective insurance solutions for their needs.
Enhance your knowledge by reading our “Cheap Auto Insurance for High-Risk Drivers in Illinois.” If you want coverage to drive legally, enter your ZIP code to compare cheap auto insurance quotes near you.
Frequently Asked Questions
What are the minimum auto insurance requirements in South Beloit, Illinois?
The minimum coverage required is 25/50/20, which includes liability coverage for bodily injury and property damage. Expand your understanding with our article, “Best and Worst Drivers by State.”
How can I find the best auto insurance rates in South Beloit?
Compare quotes from multiple providers, consider your coverage needs, and look for available discounts.
What factors affect auto insurance rates in South Beloit?
Factors include your age, driving record, type of vehicle, credit history, and coverage level.
Is full coverage auto insurance worth it in South Beloit?
Full coverage provides comprehensive collision protection, which benefits newer or high-value vehicles. Uncover additional insights in our article called “Best Beecher, Illinois Auto Insurance.”
What are some standard discounts available for auto insurance in South Beloit?
Discounts may include safe driver discounts, multi-policy discounts, and discounts for good credit scores.
How can I lower my auto insurance premium in South Beloit?
Improve your driving record, increase your deductible, bundle policies, and take advantage of available discounts. Uncover affordable auto insurance rates from the top providers by entering your ZIP code.
What is the average cost of auto insurance in South Beloit?
The average monthly premium is approximately $95 to $110, but rates can vary based on personal factors. We better understand the topic by reading our article “Best Elk Grove Village, Illinois Auto Insurance.”
Do I need to report accidents to my insurance company in South Beloit?
You must promptly report any accidents or incidents to your insurer to ensure coverage.
How does my credit score impact my auto insurance rates?
Insurers often use credit scores to determine risk; lower scores can lead to higher premiums.
Are there specific insurance providers recommended for South Beloit residents?
Companies like Chubb, USAA, and Geico are frequently recommended for their coverage options and competitive rates. Gain insights by reading our article “Cheap Gap Insurance in Illinois.”
How often should I compare auto insurance quotes?
What should I do if I have a DUI in South Beloit?
Can I change my auto insurance policy at any time?
What is the process for filing a claim in South Beloit?
How does the type of vehicle I drive affect my insurance rates?
What is uninsured/underinsured motorist coverage?
Is it possible to get temporary auto insurance in South Beloit?
What should I consider when choosing an auto insurance provider?
How can I ensure I get the best auto insurance value?
What is the difference between liability and full coverage auto insurance?
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