Buy Cheap Belvidere, IL Auto Insurance in 2024
Belvidere, IL auto insurance rates average $266 a month. Minimum auto insurance requirements in Belvidere, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Belvidere, IL, compare Belvidere auto insurance quotes from top companies.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Belvidere, IL for teens drivers are $6,145/year
- Average auto insurance rates in Belvidere, IL are $266/month
- Average auto insurance rates in Belvidere, IL after a DUI are $3,709/year
Finding affordable Belvidere, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Belvidere, IL auto insurance with confidence is right here. Auto insurance rates in Belvidere are affected by local factors as well as personal ones like your driving record.
See how Belvidere, IL car insurance rates compare to Aurora auto insurance rates, Champaign auto insurance rates, and Peoria auto insurance rates before you read more about the cost of auto insurance in Belvidere.
Don’t buy Belvidere, IL auto insurance until you’ve compared rates. Get free Belvidere, Illinois auto insurance quotes when you enter your ZIP code above.
Belvidere, IL Minimum Auto Insurance Requirements
The required auto insurance in Belvidere, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Belvidere, Illinois is outlined here.
Minimum Required Auto Insurance Coverage in Belvidere, Illinois
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Find Cheap Belvidere, IL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Belvidere, IL. Take a look at Belvidere, Illinois auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Belvidere, Illinois
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,648 | $4,787 | $4,191 |
| American Family | $4,972 | $3,397 | $2,878 |
| Farmers | $5,301 | $4,466 | $4,248 |
| Geico | $3,813 | $1,870 | $1,461 |
| Liberty Mutual | $3,431 | $2,140 | $1,701 |
| Nationwide | $2,875 | $2,330 | $2,045 |
| Progressive | $4,015 | $3,386 | $3,122 |
| State Farm | $3,405 | $2,038 | $1,580 |
| Travelers | $3,033 | $2,458 | $1,991 |
| USAA | $3,680 | $2,528 | $2,083 |
Buy Cheap Belvidere, IL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Belvidere, Illinois auto insurance rates? Find out how car insurance rates in Belvidere, IL are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Belvidere, Illinois
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,312 | $3,328 | $3,467 | $3,467 | $8,622 | $11,191 | $3,983 | $4,303 |
| American Family | $2,310 | $2,310 | $2,122 | $2,122 | $6,656 | $9,176 | $2,310 | $2,986 |
| Farmers | $2,477 | $2,478 | $2,193 | $2,323 | $10,825 | $11,296 | $2,829 | $2,954 |
| Geico | $1,489 | $1,509 | $1,429 | $1,724 | $4,524 | $4,715 | $1,873 | $1,790 |
| Liberty Mutual | $1,458 | $1,576 | $1,205 | $1,354 | $5,042 | $5,628 | $1,522 | $1,605 |
| Nationwide | $1,556 | $1,580 | $1,390 | $1,468 | $4,204 | $5,377 | $1,806 | $1,951 |
| Progressive | $2,049 | $1,927 | $1,691 | $1,785 | $7,359 | $8,236 | $2,425 | $2,588 |
| State Farm | $1,444 | $1,444 | $1,300 | $1,300 | $4,286 | $5,431 | $1,636 | $1,885 |
| Travelers | $1,545 | $1,628 | $1,426 | $1,518 | $4,632 | $5,853 | $1,633 | $1,719 |
| USAA | $1,650 | $1,683 | $1,536 | $1,518 | $5,303 | $5,848 | $2,174 | $2,396 |
Buy Cheap Belvidere, IL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Belvidere can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Belvidere, IL are listed here.
Annual Auto Insurance Rates for Teen Drivers in Belvidere, Illinois
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,622 | $11,191 |
| American Family | $6,656 | $9,176 |
| Farmers | $10,825 | $11,296 |
| Geico | $4,524 | $4,715 |
| Liberty Mutual | $5,042 | $5,628 |
| Nationwide | $4,204 | $5,377 |
| Progressive | $7,359 | $8,236 |
| State Farm | $4,286 | $5,431 |
| Travelers | $4,632 | $5,853 |
| USAA | $5,303 | $5,848 |
Buy Cheap Belvidere, IL Auto Insurance for Seniors
You can save on senior auto insurance rates in Belvidere, Illinois by comparing Belvidere senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Belvidere, IL here.
Annual Auto Insurance Rates for Senior Drivers in Belvidere, Illinois
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,467 | $3,467 |
| American Family | $2,122 | $2,122 |
| Farmers | $2,193 | $2,323 |
| Geico | $1,429 | $1,724 |
| Liberty Mutual | $1,205 | $1,354 |
| Nationwide | $1,390 | $1,468 |
| Progressive | $1,691 | $1,785 |
| State Farm | $1,300 | $1,300 |
| Travelers | $1,426 | $1,518 |
| USAA | $1,536 | $1,518 |
Find Cheap Auto Insurance Rates in Belvidere, IL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Belvidere, Illinois auto insurance. Compare Belvidere, IL auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Belvidere, Illinois
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,031 | $5,204 | $5,392 |
| American Family | $3,594 | $3,887 | $3,766 |
| Farmers | $4,436 | $4,556 | $5,023 |
| Geico | $2,164 | $2,374 | $2,607 |
| Liberty Mutual | $2,259 | $2,418 | $2,595 |
| Nationwide | $2,391 | $2,439 | $2,419 |
| Progressive | $3,170 | $3,476 | $3,877 |
| State Farm | $2,203 | $2,346 | $2,473 |
| Travelers | $2,329 | $2,491 | $2,663 |
| USAA | $2,573 | $2,761 | $2,957 |
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Find Cheap Belvidere, IL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Belvidere. Compare auto insurance rates in Belvidere, IL by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Belvidere, Illinois
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,209 | $5,209 |
| American Family | $3,701 | $3,797 |
| Farmers | $4,672 | $4,672 |
| Geico | $2,338 | $2,425 |
| Liberty Mutual | $2,424 | $2,424 |
| Nationwide | $2,416 | $2,416 |
| Progressive | $3,508 | $3,508 |
| State Farm | $2,281 | $2,401 |
| Travelers | $2,396 | $2,592 |
| USAA | $2,686 | $2,841 |
Find Cheap Belvidere, IL Auto Insurance Rates by Driving Record
Auto insurance rates in Belvidere, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Belvidere, IL, take a look at the average cost for various violations versus rates for a clean driving record in Belvidere.
Annual Belvidere, Illinois Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,707 | $6,352 | $5,886 | $4,890 |
| American Family | $2,756 | $3,914 | $5,202 | $3,125 |
| Farmers | $3,944 | $5,090 | $4,963 | $4,690 |
| Geico | $1,745 | $2,359 | $3,243 | $2,179 |
| Liberty Mutual | $2,016 | $2,874 | $2,517 | $2,289 |
| Nationwide | $1,957 | $2,518 | $2,951 | $2,240 |
| Progressive | $2,890 | $4,283 | $3,206 | $3,651 |
| State Farm | $2,130 | $2,552 | $2,341 | $2,341 |
| Travelers | $1,981 | $2,603 | $2,908 | $2,485 |
| USAA | $1,971 | $2,830 | $3,877 | $2,377 |
Find Cheap Belvidere, IL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Belvidere, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Belvidere for less when you shop around and compare rates from multiple Belvidere, IL auto insurance companies.
Annual Auto Insurance Rates After a DUI in Belvidere, Illinois
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,886 |
| American Family | $5,202 |
| Farmers | $4,963 |
| Geico | $3,243 |
| Liberty Mutual | $2,517 |
| Nationwide | $2,951 |
| Progressive | $3,206 |
| State Farm | $2,341 |
| Travelers | $2,908 |
| USAA | $3,877 |
Winners by Category: Where to Buy Cheap Auto Insurance in Belvidere, IL
Compare rates from the cheapest auto insurance companies in Belvidere, IL for your needs. Take a look at how Belvidere, Illinois auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Belvidere, Illinois
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Liberty Mutual |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
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Find Cheap Belvidere, Illinois Auto Insurance Companies
If you’re looking for the cheapest Belvidere, IL auto insurance companies overall, you can compare them here. Find the best price for Belvidere, Illinois car insurance by company.
Average Annual Auto Insurance Rates by Company in Belvidere, Illinois
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,209 |
| American Family | $3,749 |
| Farmers | $4,672 |
| Geico | $2,382 |
| Liberty Mutual | $2,424 |
| Nationwide | $2,416 |
| Progressive | $3,508 |
| State Farm | $2,341 |
| Travelers | $2,494 |
| USAA | $2,764 |
What affects Belvidere, Illinois auto insurance rates?
Local factors affect auto insurance rates in Belvidere, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Belvidere auto insurance rates.
Commute Times in Belvidere
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Belvidere, IL is 25.6 minutes according to City-Data.
Compare Auto Insurance Quotes in Belvidere, IL
You can buy cheap Belvidere, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Belvidere, Illinois auto insurance quotes from top companies.
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Frequently Asked Questions
Can I really find cheap auto insurance in Belvidere, IL?
Yes, it is possible to find affordable auto insurance in Belvidere, IL. By comparing quotes from different insurance providers and taking advantage of available discounts, you can often find a policy that fits your budget.
What factors can affect the cost of auto insurance in Belvidere, IL?
Several factors can influence the cost of auto insurance in Belvidere, IL, including your driving record, age, gender, type of vehicle, coverage limits, deductible amount, and even your credit score. Each insurance company may weigh these factors differently, so it’s essential to compare quotes to find the best rates.
What are some ways to lower auto insurance premiums in Belvidere, IL?
Here are some strategies to potentially reduce your auto insurance premiums:
- Maintain a clean driving record and avoid traffic violations.
- Opt for a higher deductible, which can lower your premium but increases your out-of-pocket expenses in the event of a claim.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, to qualify for multi-policy discounts.
- Inquire about available discounts, such as safe driver discounts, good student discounts, or discounts for anti-theft devices in your vehicle.
Are there any disadvantages to buying cheap auto insurance?
While cheap auto insurance can save you money upfront, there are a few potential downsides to consider:
- Limited coverage: Low-cost policies often provide minimal coverage, which may not be sufficient in the event of a significant accident or theft.
- Higher deductibles: Cheap insurance policies may come with higher deductibles, meaning you’ll have to pay more out of pocket before your coverage kicks in.
- Poor customer service: Some budget insurance companies may not offer the same level of customer support or claims handling as more reputable providers
Should I prioritize price over coverage when buying auto insurance in Belvidere, IL?
While price is an important factor, it’s crucial to strike a balance between affordability and adequate coverage. Cheaper policies may leave you vulnerable to financial risks in case of an accident. It’s recommended to consider your specific needs and budget while ensuring you have sufficient coverage to protect yourself and your vehicle.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.