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 $799 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 $410, 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

$799

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in South Beloit

1st place: AutoOwners Insurance Co

At $410 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $465 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $487 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 AutoOwners Insurance Co, offering policies at just $410 for a six-month term. This is followed by Westfield, which has an average six-month premium of $465.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $743 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
Auto-Owners Insurance Co	$410	$70
Westfield	$465	$77
Country Financial	$487	$82
Travelers	$580	$98
American Family	$673	$113
Erie	$705	$118
USAA	$831	$140
State Farm	$836	$141
Progressive	$918	$155
Auto-Owners	$967	$161
Allstate	$1388	$234
Farmers	$1388	$234
Hanover	$864	$144
Mercury	$738	$123
Hastings Mutual	$743	$126

Key Takeaways

Way's key takeaways about car insurance in South Beloit

The auto insurance costs in South Beloit fall around $410 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. First Chicago is the most expensive at $180 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
Country Financial	$186	$31
Erie	$229	$39
Auto-Owners	$251	$42
Travelers	$251	$42
American Family	$290	$49
State Farm	$290	$49
USAA	$306	$52
Progressive	$355	$60
Allstate	$558	$94
Farmers	$684	$116
Hanover	$164	$28
AAA	$235	$40
First Chicago	$180	$30

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 AutoOwners Insurance Co at $70 per month and $410 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Beloit, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$410	$70
Westfield	$465	$77
Country Financial	$487	$82
Travelers	$580	$98
American Family	$673	$113
Erie	$705	$118
USAA	$831	$140
State Farm	$836	$141
Progressive	$918	$155
Auto-Owners	$967	$161
Allstate	$1388	$234
Farmers	$1388	$234
Hanover	$864	$144
Mercury	$738	$123
Hastings Mutual	$743	$126

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$650
30s	Auto-Owners	$450
40s	Auto-Owners	$442
50s	Auto-Owners	$417
60s	Auto-Owners	$438
70s	Auto-Owners	$556

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
Mercury	$202	$34
Auto-Owners Insurance Co	$219	$37
Country Financial	$743	$125
Erie	$913	$154
Travelers	$967	$163
USAA	$1684	$283
American Family	$2017	$339
State Farm	$2902	$489
Progressive	$2907	$489
Allstate	$3377	$569
Farmers	$3437	$579
AAA	$312	$53

Teen Car Insurance Rates in IL by Age

Way Tip

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

As young drivers face the highest rates in South Beloit, AutoOwners offers the cheapest auto insurance rates at $650 for six months.

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 State Farm, offering rates of around $2858 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$208	$35
Westfield	$273	$47
Hanover	$366	$61
Country Financial	$546	$92
Travelers	$606	$102
Progressive	$868	$146
American Family	$1065	$179
USAA	$1415	$241
Allstate	$2323	$387
Farmers	$2673	$454
State Farm	$2858	$477

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Save up to $971/yr on car insurance rates in South Beloit.

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 AutoOwners Insurance Co and Westfield, offering $229 and $235, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $273.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$229	$39
Westfield	$235	$40
Mercury	$301	$50
Travelers	$524	$88
Erie	$530	$89
Country Financial	$535	$90
State Farm	$792	$133
USAA	$814	$137
American Family	$913	$154
Progressive	$1317	$222
Farmers	$1454	$245
Allstate	$2410	$406
AAA	$388	$66
First Chicago	$251	$42
Hastings Mutual	$273	$47

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
Travelers	$558	$94
Erie	$645	$109
Progressive	$673	$113
Country Financial	$847	$143
American Family	$1033	$174
State Farm	$1121	$189
USAA	$1312	$221
Allstate	$2060	$347
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
Erie	$229	$39
Hanover	$262	$44
Country Financial	$552	$93
USAA	$716	$120
State Farm	$978	$167
Travelers	$1110	$185
Progressive	$1147	$195
American Family	$1273	$214
Allstate	$3651	$621
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 rose by $178 in December compared to $176 of November. In other words, there has been an increase by $2 when you compare December and November.

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

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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 $70 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 $869 for a six-month policy. It will cost around $133 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

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 AutoOwners 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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