Cheapest Car Insurance Quotes in Belleville

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Belleville Car Insurance

^$ 51

/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 Belleville

The car insurance rate in Belleville is $1768 for a six-month policy, which is $565 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $725, making it a popular choice for budget-conscious drivers. Rates in Belleville 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 Belleville

$1768

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Belleville

1st place: Travelers

At $725 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $908 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1004 for six months, making it the third cheapest auto insurance company in Belleville.

Belleville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Belleville, MI is Travelers, offering policies at just $725 for a six-month term. This is followed by USAA, which has an average six-month premium of $908.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1197 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Belleville drivers find the best deals.

Cheap Car Insurance Companies in Belleville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$725	$122
USAA	$908	$153
Encompass	$1004	$168
Auto-Owners Insurance Co	$1030	$175
Chubb	$1083	$181
Auto-Owners	$1214	$204
AAA	$1239	$209
Farm Bureau Ins of MI	$1274	$216
Pioneer State Mutual Ins Co	$1388	$231
Progressive	$1388	$234
Westfield	$1729	$291
Farm Bureau	$1948	$331
State Farm	$2480	$417
Allstate	$2646	$450
Bristol West	$3449	$575
Farmers	$5361	$911
Hastings Mutual	$1197	$200

Key Takeaways

Way's key takeaways about car insurance in Belleville

The auto insurance costs in Belleville fall around $725 for six months.
The cheapest auto insurance company in Belleville is Travelers.
Teen drivers pay the highest rate in Belleville at $1420 per month.

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Cheapest Minimum Liability Car Insurance in Belleville

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 Belleville are given below.

Travelers provides the cheapest minimum car insurance coverage in Belleville. Their Average 6 Month Premium is $306. Hastings Mutual is the most expensive at $523 for the same period.

Cheapest Liability Coverage in Belleville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$306	$51
Westfield	$323	$54
USAA	$410	$69
Encompass	$419	$71
Chubb	$445	$74
Auto-Owners Insurance Co	$481	$82
Auto-Owners	$567	$96
Farm Bureau Ins of MI	$620	$106
Progressive	$638	$107
AAA	$760	$129
Farm Bureau	$960	$160
Allstate	$1126	$191
Bristol West	$1441	$240
State Farm	$1545	$260
Farmers	$2786	$465
Hastings Mutual	$523	$87

Cheapest Full Coverage Car Insurance in Belleville

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 Belleville is Travelers at $122 per month and $725 for six months.

Cheapest Full Coverage Car Insurance Quotes in Belleville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$725	$122
USAA	$908	$153
Encompass	$1004	$168
Auto-Owners Insurance Co	$1030	$175
Chubb	$1083	$181
Auto-Owners	$1214	$204
AAA	$1239	$209
Farm Bureau Ins of MI	$1274	$216
Pioneer State Mutual Ins Co	$1388	$231
Progressive	$1388	$234
Westfield	$1729	$291
Farm Bureau	$1948	$331
State Farm	$2480	$417
Allstate	$2646	$450
Bristol West	$3449	$575
Farmers	$5361	$911
Hastings Mutual	$1197	$200

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Average Car Insurance in Belleville 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 Belleville, MI increasing?

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

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

Car Insurance Premiums by Age in Belleville

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	Chubb	$410
30s	USAA	$312
40s	USAA	$298
50s	USAA	$287
60s	Chubb	$262
70s	Chubb	$287

Cheapest Car Insurance Rates for Teen Drivers in Belleville,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Belleville at $60 per month. At $8522 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$359	$60
Westfield	$384	$65
Encompass	$419	$71
Chubb	$498	$85
Auto-Owners Insurance Co	$523	$87
Grange	$681	$116
USAA	$1380	$232
Auto-Owners	$1651	$278
AAA	$2201	$370
Farm Bureau	$3169	$539
Progressive	$3397	$572
Allstate	$5729	$975
State Farm	$5877	$979
Farmers	$24589	$4181
Bristol West	$8522	$1420

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Belleville.

As young drivers face the highest rates in Belleville, Chubb offers the cheapest auto insurance rates at $410 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 Belleville, Travelers is the cheapest car insurance provider. At $585 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 Belleville is Farm Bureau Ins of MI, offering rates of around $1851 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$585	$100
Encompass	$603	$100
Progressive	$847	$144
Westfield	$891	$148
Auto-Owners Insurance Co	$944	$160
Pioneer State Mutual Ins Co	$1152	$193
Grange	$1458	$248
Farm Bureau Ins of MI	$1851	$309

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

Car Insurance Rates with An Accident in Belleville

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 Belleville, MI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Belleville include Chubb and Westfield, offering $445 and $472, respectively. Pioneer State is an expensive provider with an average six-month premium of $698.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$445	$76
Westfield	$472	$78
Auto-Owners Insurance Co	$550	$94
Encompass	$620	$103
Farm Bureau Ins of MI	$734	$125
Pioneer State Mutual Ins Co	$811	$135
Travelers	$864	$146
USAA	$1083	$182
Progressive	$1197	$201
Auto-Owners	$1336	$225
AAA	$1711	$288
Farm Bureau	$2384	$397
State Farm	$2715	$462
Allstate	$4217	$703
Farmers	$7535	$1282
Pioneer State	$698	$116

Belleville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Belleville MI. For example, the car insurance in Belleville after a DUI increases to $3528 for a six month policy. While the rate increases by $1921 for a six-month policy in the case of a speeding ticket.

Belleville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1921	$320
Failure to wear a seat belt	$2279	$388
Cell phone violation	$2418	$403
Texting while driving	$2418	$412
Illegal turn	$2427	$404
Wrong way/wrong lane	$2427	$413
Speeding in school zone	$2462	$410
Driving with expired registration	$2480	$422
Failure to stop at a red light	$2506	$417
Improper passing	$2506	$426
Speeding 16 - 20 MPH over limit	$2786	$465
Open container	$3283	$559
Driving with a suspended license	$3676	$613
Racing	$4741	$806
Reckless driving	$5152	$858
Leaving scene of an accident/hit and run	$5283	$898
DUI	$5449	$908

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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 Belleville 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 Belleville.

The cheapest car insurance premiums in Belleville are offered by Chubb at $445 for a six-month policy. However, it can be as expensive as $13761 with companies like Allstate.

Belleville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$445	$74
Auto-Owners Insurance Co	$1179	$200
Grange	$1188	$198
Progressive	$1266	$213
Pioneer State Mutual Ins Co	$1432	$238
USAA	$1545	$260
Travelers	$1755	$293
Auto-Owners	$2655	$447
Westfield	$2890	$487
AAA	$2986	$503
Bristol West	$4087	$681
Farmers	$4191	$706
Farm Bureau	$4960	$826
State Farm	$6243	$1051
Allstate	$13761	$2293

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 Belleville are offered by Westfield at $384. However, it can be as expensive as $17368 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Belleville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$384	$65
Chubb	$445	$74
Encompass	$472	$81
Travelers	$576	$96
Auto-Owners Insurance Co	$612	$104
Farm Bureau Ins of MI	$873	$146
USAA	$908	$154
Grange	$926	$154
Auto-Owners	$1274	$216
Progressive	$1868	$315
AAA	$1895	$322
Farm Bureau	$1904	$318
Allstate	$3449	$587
State Farm	$5789	$964
Farmers	$17368	$2953

Car Insurance Price Trends in Belleville, Michigan

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

The average cost of full coverage in the Belleville dipped by $394 in December compared to $404 of November. In other words, there has been an decrease by $10 when you compare December and November.

The average cost of liability insurance in the Belleville rose to $131 in December, compared to $121 in November. This represents an increase of $10 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Belleville?

The car insurance in Belleville is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Belleville?

The cheapest car insurance in Belleville is $122 per month for full coverage.

How much is car insurance in Belleville for teenagers?

Car insurance for teenagers costs $359 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 Belleville?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $297 per month to insure your car in Belleville.

Is car insurance expensive in Belleville?

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

Cheapest Car Insurance Quotes in Belleville

Why you can trust Way?

How Much Is Car Insurance in Belleville

Avg. Car Insurance in Belleville

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Belleville

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Belleville Car Insurance Rates by Company

Cheap Car Insurance Companies in Belleville, MI

Way's key takeaways about car insurance in Belleville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Belleville

Cheapest Liability Coverage in Belleville, MI

Cheapest Full Coverage Car Insurance in Belleville

Cheapest Full Coverage Car Insurance Quotes in Belleville, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Belleville by Rating Factor

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

Car Insurance Premiums by Age in Belleville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Belleville,MI

If you are in your twenties Chubb is the best choice for car insurance in Belleville.

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 Belleville

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

Belleville Car Insurance Rates by Violation

Belleville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Belleville after a DUI

Belleville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Belleville after Speeding ticket

Car Insurance Price Trends in Belleville, Michigan

Average Car Insurance Cost in Belleville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Belleville, MI

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

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