Cheapest Car Insurance Quotes in Beloit

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Beloit Car Insurance

^$ 28

/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 Beloit

The car insurance rate in Beloit is $1053 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $440, making it a popular choice for budget-conscious drivers. Rates in 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 Beloit

$1053

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Beloit

1st place: American Family

At $440 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 $463 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $737 for six months, making it the third cheapest auto insurance company in Beloit.

Beloit Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beloit, KS is American Family, offering policies at just $440 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $463.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1919 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beloit drivers find the best deals.

Cheap Car Insurance Companies in Beloit, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$440	$73
Auto-Owners Insurance Co	$463	$79
USAA	$737	$124
Travelers	$754	$127
Shelter	$921	$155
Auto-Owners	$980	$167
State Farm	$1087	$183
Nationwide	$1135	$191
Farmers	$1188	$200
Progressive	$1212	$204
Encompass	$1259	$210
Allstate	$1598	$269
Farm Bureau	$1919	$320

Key Takeaways

Way's key takeaways about car insurance in Beloit

The auto insurance costs in Beloit fall around $440 for six months.
The cheapest auto insurance company in Beloit is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Beloit at $1123 per month.

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Cheapest Minimum Liability Car Insurance in 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 Beloit are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Beloit. Their Average 6 Month Premium is $166. Encompass is the most expensive at $238 for the same period.

Cheapest Liability Coverage in Beloit, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$166	$28
USAA	$166	$28
Iowa Farm Bureau	$208	$35
Farmers Union Insurance	$220	$37
American Family	$232	$39
Travelers	$232	$39
Auto-Owners	$238	$40
Electric	$238	$40
Kansas Farm Bureau	$249	$42
State Farm	$279	$47
Progressive	$315	$53
Shelter	$321	$54
Farm Bureau	$404	$69
Farmers	$446	$75
Allstate	$582	$98
Nationwide	$707	$118
Encompass	$238	$40

Cheapest Full Coverage Car Insurance in 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 Beloit is American Family at $73 per month and $440 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beloit, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$440	$73
Auto-Owners Insurance Co	$463	$79
USAA	$737	$124
Travelers	$754	$127
Shelter	$921	$155
Auto-Owners	$980	$167
State Farm	$1087	$183
Nationwide	$1135	$191
Farmers	$1188	$200
Progressive	$1212	$204
Encompass	$1259	$210
Allstate	$1598	$269
Farm Bureau	$1919	$320

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Average Car Insurance in 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 Beloit, KS increasing?

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

Additionally, 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 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	Nationwide	$750
30s	Nationwide	$644
40s	Nationwide	$522
50s	Nationwide	$478
60s	Nationwide	$456
70s	Nationwide	$494

Cheapest Car Insurance Rates for Teen Drivers in Beloit,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Beloit at $37 per month. At $6736 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$220	$37
Iowa Farm Bureau	$244	$41
Farmers Union Insurance	$255	$43
American Family	$279	$47
Kansas Farm Bureau	$327	$56
Travelers	$849	$143
USAA	$1443	$243
State Farm	$2358	$397
Shelter	$2625	$442
Progressive	$2721	$458
Farmers	$2863	$482
Farm Bureau	$4075	$679
Allstate	$4764	$802
Nationwide	$6736	$1123

Teen Car Insurance Rates in KS by Age

Way Tip

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

As young drivers face the highest rates in Beloit, Nationwide offers the cheapest auto insurance rates at $750 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 Beloit, American Family is the cheapest car insurance provider. At $392 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 Beloit is State Farm, offering rates of around $6094 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$392	$67
Iowa Farm Bureau	$398	$66
Farmers Union Insurance	$404	$69
Travelers	$939	$158
USAA	$1075	$183
Shelter	$1301	$219
Progressive	$1331	$224
Nationwide	$1491	$251
Farmers	$1586	$267
Allstate	$2768	$461
Farm Bureau	$3522	$599
State Farm	$6094	$1016

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Car Insurance Rates with An Accident in 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 Beloit, KS, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Beloit include AutoOwners Insurance Co and American Family, offering $202 and $232, respectively. Encompass is an expensive provider with an average six-month premium of $327.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$202	$34
American Family	$232	$39
Electric	$285	$48
Iowa Farm Bureau	$321	$55
Farmers Union Insurance	$339	$56
Auto-Owners	$356	$61
Kansas Farm Bureau	$451	$75
USAA	$612	$103
Travelers	$618	$104
State Farm	$719	$121
Shelter	$1016	$171
Progressive	$1301	$219
Farmers	$2162	$364
Allstate	$2406	$405
Farm Bureau	$2584	$431
Nationwide	$3303	$562
Encompass	$327	$56

Beloit Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beloit KS. For example, the car insurance in Beloit after a DUI increases to $1016 for a six month policy. While the rate increases by $226 for a six-month policy in the case of a speeding ticket.

Beloit auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1164	$194
One Med/PIP claim	$1164	$198
Not-at-fault accident	$1194	$199
Two Med/PIP claims	$1247	$212
One comp claim	$1253	$209
Failure to show documents	$1289	$219
Two comp claims	$1301	$217
Failure to wear a seat belt	$1313	$223
Child safety restraint	$1348	$225
Driving with expired registration	$1348	$229
Driving without lights	$1348	$225
Speeding 6 - 10 MPH over limit	$1390	$236
Cell phone violation	$1408	$235
Driving too slowly	$1408	$239
Texting while driving	$1408	$235
Failure to yield	$1420	$241
Following too closely	$1420	$237
Illegal turn	$1420	$241
Wrong way/wrong lane	$1420	$237
In 65 MPH zone	$1426	$242
Speeding 11 - 15 MPH over limit	$1426	$238
Failure to stop at a red light	$1432	$243
Improper passing	$1432	$239
Speeding in school zone	$1432	$243
Speeding 16 - 20 MPH over limit	$1437	$240
Open container	$1449	$246
Operating a vehicle without permission	$1461	$244
Passing school bus	$1473	$250
Speeding 21 - 25 MPH over limit	$1473	$246
At-fault accident - less than $1000	$1491	$254
At-fault accident - $1000-$2000	$1645	$274
At-fault accident - greater than $2000	$1645	$280
Racing	$1818	$303
Reckless driving	$1972	$335
Driving with a suspended license	$2138	$356
Refusal to submit to a chemical test	$2162	$368
DUI	$2180	$363
Leaving scene of an accident/hit and run	$2269	$386

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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 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 Beloit.

The cheapest car insurance premiums in Beloit are offered by American Family at $267 for a six-month policy. However, it can be as expensive as $4538 with companies like Farm Bureau.

Beloit car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$267	$45
Farmers Union Insurance	$392	$67
Travelers	$647	$109
Progressive	$832	$140
State Farm	$1057	$178
USAA	$1111	$187
Farmers	$1426	$240
Shelter	$1479	$249
Allstate	$1996	$336
Nationwide	$4508	$767
Farm Bureau	$4538	$756

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 Beloit are offered by Iowa Farm Bureau at $261. However, it can be as expensive as $2709 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Beloit after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$261	$44
American Family	$267	$45
Auto-Owners Insurance Co	$273	$46
Farmers Union Insurance	$291	$49
State Farm	$707	$119
Travelers	$719	$121
USAA	$731	$122
Progressive	$992	$167
Farmers	$1337	$225
Shelter	$1372	$233
Allstate	$2002	$334
Farm Bureau	$2406	$409
Nationwide	$2709	$451

Car Insurance Price Trends in Beloit, Kansas

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

The average cost of full coverage in the Beloit rose by $218 in January compared to $185 of December. In other words, there has been an increase by $33 when you compare January and December.

The average cost of liability insurance in the Beloit rose to $50 in January, compared to $46 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Beloit?

The car insurance in Beloit is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Beloit?

The cheapest car insurance in Beloit is $73 per month for full coverage.

How much is car insurance in Beloit for teenagers?

Car insurance for teenagers costs $220 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 Beloit?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $177 per month to insure your car in Beloit.

Is car insurance expensive in Beloit?

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

Cheapest Car Insurance Quotes in Beloit

Why you can trust Way?

How Much Is Car Insurance in Beloit

Avg. Car Insurance in Beloit

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Beloit

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Beloit Car Insurance Rates by Company

Cheap Car Insurance Companies in Beloit, KS

Way's key takeaways about car insurance in Beloit

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Beloit

Cheapest Liability Coverage in Beloit, KS

Cheapest Full Coverage Car Insurance in Beloit

Cheapest Full Coverage Car Insurance Quotes in Beloit, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Beloit by Rating Factor

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

Car Insurance Premiums by Age in Beloit

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Beloit,KS

If you are in your twenties Nationwide is the best choice for car insurance in 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 Beloit

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

Beloit Car Insurance Rates by Violation

Beloit auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Beloit after a DUI

Beloit car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Beloit after Speeding ticket

Car Insurance Price Trends in Beloit, Kansas

Average Car Insurance Cost in Beloit by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Beloit, KS

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

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