Cheapest Car Insurance Quotes in South Beloit

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South Beloit Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in South Beloit

The car insurance rate in South Beloit is $801 for a six-month policy, which is $70 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $328, making it a popular choice for budget-conscious drivers. Rates in South Beloit can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in South Beloit

$801

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in South Beloit

1st place: American Family

At $328 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $410 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $465 for six months, making it the third cheapest auto insurance company in South Beloit.

South Beloit Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Beloit, IL is American Family, offering policies at just $328 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $410.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $864 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Beloit drivers find the best deals.

Cheap Car Insurance Companies in South Beloit, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$328	$56
Auto-Owners Insurance Co	$410	$68
Westfield	$465	$79
Travelers	$595	$100
Country Financial	$634	$107
Erie	$738	$124
USAA	$880	$148
Auto-Owners	$907	$153
Progressive	$929	$156
State Farm	$1000	$168
Farmers	$1098	$187
Allstate	$1580	$266
Hanover	$864	$144

Key Takeaways

Way's key takeaways about car insurance in South Beloit

The auto insurance costs in South Beloit fall around $328 for six months.
The cheapest auto insurance company in South Beloit is Mercury.
Teen drivers pay the highest rate in South Beloit at $53 per month.

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Cheapest Minimum Liability Car Insurance in South Beloit

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in South Beloit are given below.

Mercury provides the cheapest minimum car insurance coverage in South Beloit. Their Average 6 Month Premium is $137. AAA is the most expensive at $235 for the same period.

Cheapest Liability Coverage in South Beloit, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$137	$23
Westfield	$147	$25
Auto-Owners Insurance Co	$175	$29
American Family	$186	$31
Erie	$229	$39
Travelers	$251	$42
Auto-Owners	$257	$43
Country Financial	$257	$43
USAA	$317	$53
State Farm	$339	$57
Progressive	$355	$60
Allstate	$524	$88
Farmers	$684	$116
Hanover	$164	$28
AAA	$235	$40

Cheapest Full Coverage Car Insurance in South Beloit

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in South Beloit is American Family at $56 per month and $328 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Beloit, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$328	$56
Auto-Owners Insurance Co	$410	$68
Westfield	$465	$79
Travelers	$595	$100
Country Financial	$634	$107
Erie	$738	$124
USAA	$880	$148
Auto-Owners	$907	$153
Progressive	$929	$156
State Farm	$1000	$168
Farmers	$1098	$187
Allstate	$1580	$266
Hanover	$864	$144

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Average Car Insurance in South Beloit by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in South Beloit, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in South Beloit, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, South Beloit's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in South Beloit

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in South Beloit,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the South Beloit at $29 per month. At $312 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$175	$29
American Family	$202	$34
Mercury	$202	$34
Auto-Owners Insurance Co	$219	$37
Farmers	$355	$59
Country Financial	$995	$167
Travelers	$1039	$175
Erie	$1180	$199
USAA	$1792	$302
Auto-Owners	$1957	$333
Progressive	$2754	$464
State Farm	$3405	$573
Allstate	$3716	$626
AAA	$312	$53

Teen Car Insurance Rates in IL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in South Beloit, Mercury is the cheapest car insurance provider. At $208 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in South Beloit is Farmers, offering rates of around $2673 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$208	$35
Westfield	$273	$46
American Family	$344	$59
Hanover	$366	$61
Travelers	$656	$110
Country Financial	$738	$124
Progressive	$913	$154
USAA	$1617	$270
Erie	$1760	$299
Auto-Owners	$2503	$417
Allstate	$2864	$487
State Farm	$4273	$712
Farmers	$2673	$454

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Car Insurance Rates with An Accident in South Beloit

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In South Beloit, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Beloit

The cheapest car insurance companies after an at-fault accident in South Beloit include American Family and AutoOwners Insurance Co, offering $219 and $229, respectively. AAA is an expensive provider with an average six-month premium of $388.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$219	$37
Auto-Owners Insurance Co	$229	$39
Westfield	$235	$40
Mercury	$301	$52
Farmers	$448	$75
Travelers	$552	$93
Erie	$684	$115
Country Financial	$727	$122
State Farm	$918	$155
USAA	$983	$166
Auto-Owners	$1028	$171
Progressive	$1388	$234
Allstate	$2694	$454
AAA	$388	$66

South Beloit Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Beloit IL. For example, the car insurance in South Beloit after a DUI increases to $754 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

South Beloit auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$902	$150
One Med/PIP claim	$907	$155
Not-at-fault accident	$957	$159
One comp claim	$978	$167
Two Med/PIP claims	$978	$163
Failure to wear a seat belt	$1049	$178
Driving without lights	$1060	$177
Child safety restraint	$1065	$181
Two comp claims	$1065	$178
Failure to show documents	$1082	$184
Speeding 6 - 10 MPH over limit	$1104	$184
Driving with expired registration	$1110	$189
Speeding 11 - 15 MPH over limit	$1132	$189
Driving too slowly	$1137	$193
Failure to yield	$1137	$190
Illegal turn	$1137	$193
At-fault accident - less than $1000	$1147	$191
Failure to stop at a red light	$1147	$195
Following too closely	$1147	$191
Speeding 16 - 20 MPH over limit	$1153	$196
Speeding in school zone	$1153	$192
Improper passing	$1158	$197
Wrong way/wrong lane	$1158	$193
Cell phone violation	$1180	$201
Texting while driving	$1180	$197
Passing school bus	$1191	$202
In 65 MPH zone	$1197	$200
Speeding 21 - 25 MPH over limit	$1208	$205
Operating a vehicle without permission	$1230	$205
At-fault accident - $1000-$2000	$1306	$222
At-fault accident - greater than $2000	$1328	$222
Open container	$1372	$234
Reckless driving	$1591	$265
Racing	$1606	$273
Driving with a suspended license	$1639	$273
Refusal to submit to a chemical test	$1650	$281
DUI	$1656	$276
Leaving scene of an accident/hit and run	$1673	$284

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in South Beloit after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in South Beloit.

The cheapest car insurance premiums in South Beloit are offered by Mercury at $208 for a six-month policy. However, it can be as expensive as $2344 with companies like Farmers.

South Beloit car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$208	$35
American Family	$219	$37
Travelers	$585	$98
Progressive	$705	$119
Erie	$842	$142
Country Financial	$978	$165
USAA	$1344	$226
State Farm	$1383	$233
Auto-Owners	$1459	$248
Allstate	$2317	$390
Farmers	$2344	$398

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in South Beloit are offered by Westfield at $175. However, it can be as expensive as $4295 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Beloit after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$175	$29
Auto-Owners Insurance Co	$197	$33
Mercury	$213	$36
American Family	$219	$37
Hanover	$262	$44
Erie	$546	$92
Country Financial	$656	$110
Travelers	$831	$138
Auto-Owners	$842	$144
State Farm	$1054	$176
USAA	$1164	$198
Progressive	$1191	$199
Allstate	$2481	$422
Farmers	$4295	$716

Car Insurance Price Trends in South Beloit, Illinois

Car insurance rates in South Beloit have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the South Beloit dipped by $155 in January compared to $178 of December. In other words, there has been an decrease by $23 when you compare January and December.

The average cost of liability insurance in the South Beloit dipped to $47 in January, compared to $49 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in South Beloit?

The car insurance in South Beloit is $23 per month, which is lower than the national average.

What is the cheapest car insurance in South Beloit?

The cheapest car insurance in South Beloit is $56 per month for full coverage.

How much is car insurance in South Beloit for teenagers?

Car insurance for teenagers costs $175 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in South Beloit?

The average cost of car insurance is $871 for a six-month policy. It will cost around $134 per month to insure your car in South Beloit.

Is car insurance expensive in South Beloit?

Car insurance can be expensive in South Beloit if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in South Beloit can be affordable.

Cheapest Car Insurance Quotes in South Beloit

Why you can trust Way?

How Much Is Car Insurance in South Beloit

Avg. Car Insurance in South Beloit

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in South Beloit

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

South Beloit Car Insurance Rates by Company

Cheap Car Insurance Companies in South Beloit, IL

Way's key takeaways about car insurance in South Beloit

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Beloit

Cheapest Liability Coverage in South Beloit, IL

Cheapest Full Coverage Car Insurance in South Beloit

Cheapest Full Coverage Car Insurance Quotes in South Beloit, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Beloit by Rating Factor

I have a clean driving record. Why is my car insurance rate here in South Beloit, IL increasing?

Car Insurance Premiums by Age in South Beloit

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Beloit,IL

If you are in your twenties N/A is the best choice for car insurance in South Beloit.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in South Beloit

Cheapest Car Insurance Companies after an At-Fault Accident in South Beloit

South Beloit Car Insurance Rates by Violation

South Beloit auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Beloit after a DUI

South Beloit car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Beloit after Speeding ticket

Car Insurance Price Trends in South Beloit, Illinois

Average Car Insurance Cost in South Beloit by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Beloit, IL

Car Insurance Rates by State in the USA (2025 Update)

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