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Cheap Auto Insurance Quotes in Belleville, IL (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Belleville is $165 per month, or $1980 annually.
- Car insurance in Belleville is $22 more than the average cost of car insurance in Illinois.
- The cheapest car insurance provider in Belleville on average is USH&C, but you should always compare quotes to find your best personal rate.
Car Insurance in Belleville, IL
The average cost of Illinois car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Belleville, IL to find you the cheapest quotes in the area.
Quotes by Top Companies
Mile Auto$91
Clearcover$105
National General$107
Kemper Specialty$113
SafeAuto$122
Cheapest Car Insurance in Belleville, IL
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Belleville | Quotes |
|---|---|
| Mile Auto | $91 /mo |
| Clearcover | $105 /mo |
| National General | $107 /mo |
| Kemper Specialty | $113 /mo |
| SafeAuto | $122 /mo |
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Illinois drivers must keep a copy of their insurance card in their vehicle at all times.
If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.There are several important insurance requirements for minimum coverage for Illinois drivers:
- Bodily injury coverage per person / per accident: $25,000 / %50,000
- Property damage liability coverage: $20,000
- Uninsured motorist bodily injury: $20,000/$40,000
- Uninsured motorist property damage: $15,000 with $250 deductible
- Underinsured motorist coverage: $25,000/$50,000
Liability insurance coverage is non-negotiable. Uninsured motorist coverage is required as well and is especially important because an estimated 13.7% of Illinois drivers are uninsured.
Optional coverages for your auto policy include, of course, comprehensive and collision. Comprehensive coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
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Most Patriotic City
Belleville
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Belleville won Insurify's Most Patriotic Cities Award for the state of Illinois. Located close to Scott Air Force Base, Belleville is home to many active and former service people and government personnel.
FAQs - Belleville, IL Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Belleville Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Belleville, Illinois below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Belleville drivers measure up to their fellow motorists across Illinois in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Chevrolet Malibu
Most Popular Car in Belleville
#14
City with the Most Speeding Tickets Rank in Illinois
#53
City with the Most Moving Violations Rank in Illinois
#24
City with the Most DUIs Rank in Illinois
#54
City with the Most Suspended Licenses in Illinois
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Belleville drivers rank 8 in the number of car accidents per driver across all cities in Illinois.
- Rank within state: #8
- Percent of drivers in Belleville with an accident: 10.14%
- Drivers in Belleville, IL with an accident in their driving history pay on average 27.27% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Illinois, Belleville drivers rank 14 in the number of speeding infractions per driver.
- Rank within state: #14
- Percent of drivers in Belleville with a speeding ticket: 9.68%
- Drivers in Belleville, IL with a speeding ticket in their driving history pay on average 18.83% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Belleville drivers rank 24 in the number of DUI’s per driver across all cities in Illinois.
- Rank within state: #24
- Percent of drivers in Belleville with a DUI: 0.92%
- Drivers in Belleville, IL with a DUI in their driving history pay on average 0% more than drivers with a clean record
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Illinois, Belleville drivers rank 5 in rude driving infractions.
- Rank within state: #5
- Percent of drivers in Belleville with a reckless driving violation: 2.76%
- Drivers in Belleville, IL with a reckless driving violation in their driving history pay on average 40.26% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Belleville drivers rank 2 in clean driving records across all cities in Illinois.
- Rank within state: #2
- Percent of drivers in Belleville with clean record: 81.57%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Belleville drivers rank 6 in failure to yield violations per driver across all cities in Illinois.
- Rank within state: #6
- Percent of drivers in Belleville with a failure to yield violation: 0.31%
- Drivers in Belleville, IL with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Illinois, Belleville drivers rank 6 in the number of reckless driving offenses per driver.
- Rank within state: #6
- Percent of drivers in Belleville with a reckless driving offense: 0%
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Belleville is the Chevrolet Malibu.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others
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