Cheapest car insurance in Belleville, Illinois (Sep 2024)

Illinois car insurance laws

, and Assurant held the biggest market shares in Illinois.

However, they didn’t necessarily earn the highest ratings. Because every car insurance provider calculates premiums differently, the best insurance policy varies from driver to driver.

You’ll have to compare quotes from at least three companies while shopping for auto insurance to find what works for you.

The table below shows how drivers in Belleville rate different companies on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
Progressive	4.4	3.9	4.1	4.4
Allstate	4.4	3.6	4.2	4.7
Liberty Mutual	4.2	4	N/A	4.2
State Farm	3.9	3.7	2.8	4.1
Geico	3.7	2.9	4.2	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Belleville

require every driver—including those in Belleville—to carry

liability car insurance

and

Uninsured Motorist/Underinsured Motorist (UM/UIM) bodily injury coverage

Liability insurance covers the costs of treating anyone you injure in an at-fault accident and repairing (or replacing) any property you damage. However, UM/UIM bodily injury coverage covers the medical expenses of you and your passengers if they exceed the at-fault driver’s coverage limits.

Cheap minimum liability insurance quotes in Belleville

The minimum liability coverage requirements in Belleville, Illinois, follow a 25/50/20 (plus 25/50) rule.

To put it simply, you'll need a policy that covers at least:

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$20,000 of

property damage liability

coverage per accident

$25,000 of UM/UIM bodily injury coverage per person

$50,000 of UM/UIM bodily injury coverage per accident

By sticking with the minimum required liability coverage, you’ll probably pay the lowest rates. Jerry helps Belleville drivers find low rates for no-frills coverage.

Nellie (25 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62221)

Volkswagen Jetta S

$119

per month

Safeco

Effie (36 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62226)

Volkswagen Jetta SE

$169

per month

Clearcover

Susan (36 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62223)

Nissan Leaf S

$134

per month

Illinois’s car accident laws

Victoria (38 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62223)

GMC Terrain SLT

$64

per month

Do you need more than minimum coverage in Belleville?

In Belleville, drivers should consider topping up their liability coverage beyond the state's minimum requirement of 25/50/20.

The state minimum coverage requirements provide a lot of protection, but medical and repair bills tend to add up.

If you cause a car accident and the injured party’s expenses exceed your coverage limits, you’ll have to pay the rest out of pocket. They also have the right to sue you in a personal injury lawsuit for up to two years after the accident, according to

The bottom line: Doubling your liability and UM/UIM coverage limits won’t double your rates, but it’ll provide better financial protection in the event of a serious car accident.

Cheap full coverage car insurance quotes in Belleville

Full-coverage car insurance

isn't required by law, but it provides coverage for repairs to (or a replacement of) your vehicles.

A full coverage policy includes

collision coverage

and

comprehensive coverage

Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object.

Comprehensive coverage also covers the costs of repairing or replacing your car but it only applies to damages caused by theft, vandalism, or natural disasters.

If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in Belleville.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$215	Adeline, 43 Zip: 62226	Jeep Patriot Sport
• State Minimum Liability • Comp / Collision	Allstate	$233	Isaac, 23 Zip: 62223	Chevrolet Spark 1LT
• State Minimum Liability • Comp / Collision	Safeco	$224	Lucille, 33 Zip: 62221	KIA Optima LX
• 50,000/100,000 Liability • Comp / Collision	Travelers	$149	Robert, 33 Zip: 62221	Lexus ES 350
• State Minimum Liability • Comp / Collision	Clearcover	$67	Kathryn, 34 Zip: 62220	Chevrolet Cruze LS

Last Updated Sep 19, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Belleville

In helping hundreds of Belleville drivers find cheaper rates, we found the average cost for minimum liability coverage to be $90 per month or $1,080 per year.

The average cost for full coverage insurance in Belleville is $152 per month or $1,823 per year.

While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors. Car insurance rates are determined by your driver profile, driving record, and claims history, among other things.

Your actual costs could be hundreds of dollars higher than the average—or, if you use a quote-comparison app, hundreds of dollars less.

Average cost of car insurance in Belleville by zip code

Even though two nearly-identical drivers live in the same city, their car insurance rates can vary depending on their zip codes.

High-risk neighborhoods have a higher rate of vandalism, motor vehicle theft, and car accidents. People living in these neighborhoods pay more for car insurance.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
62220	$52	$153
62221	$78	$166
62223	$45	$153
62226	$96	$149

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Car insurance quotes in Belleville by rating factors

Insurance companies in Belleville use many rating factors when

calculating your auto insurance premium

Your driving record and claims history: Accidents and tickets will increase your insurance rates.

Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.

Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.

Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.

Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.

How do different factors impact your car insurance costs in Belleville?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Belleville currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Belleville:

Cheap car insurance quotes in Belleville after driving violations

Your

Illinois driving record

plays a large role in deciding your car insurance rates. For one, the number of driver violation points on your driver’s license can add quite a few dollars to your monthly premiums.

Some car insurance companies will work with a high-risk driver profile, while others won't, particularly if you received a serious conviction for a DUI or reckless driving in Illinois.

Cheapest car insurance in Belleville after DUI

If you’re charged with a

DUI in Illinois

, you could face consequences including:

Fine of up to $2,500

Jail sentence of up to one year

Driver’s license suspension of at least one year

Community service sentence of up to 100 hours

The penalties become more severe for subsequent DUI offenses.

On top of the legal consequences, you’ll also see significantly higher car insurance costs—but Jerry can help you find lower rates. Just look at some of the cheaper coverage these drivers found using the Jerry app.

Nationwide

Helen (33 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62223)

RAM 1500

$63

per month

AAA

Katie (35 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Belleville, IL
(Zip Code: 62221)

Chrysler 300

$61

per month

Cheapest car insurance in Belleville after an at-fault accident

If you need another reason to keep a

clean driving record

, keep in mind that high-risk drivers pay higher car insurance rates. Even multiple small, at-fault car accidents can add up to a significant price premium.

So if you’re wondering why your rates are so high, first check your

Illinois driving record

—and then download Jerry to compare quotes and find a better plan.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	National General	$97	Annie, 35 Zip: 62226	Ford Focus SEL	• State Minimum Liability
At Fault With No Injury	Progressive	$83	Randy, 38 Zip: 62226	GMC Acadia SLE	• State Minimum Liability • Comp / Collision
Not At Fault	Safeco	$178	Catherine, 24 Zip: 62221	Hyundai Accent SE	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Allstate	$233	Ollie, 22 Zip: 62223	Chevrolet Spark 1LT	• State Minimum Liability • Comp / Collision

Last Updated Sep 20, 2024

Cheapest car insurance in Belleville after other driving violations

Most traffic violations increase your insurance rates, such as driving without a license, stunt driving, or reckless driving in Illinois. If you’re stuck with a ticket and unaffordable coverage, here’s where to look in Belleville:

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Failure to Obey Signal	Progressive	$212	Sara, 24 Zip: 62221	Volkswagen Jetta S	• State Minimum Liability • Comp / Collision
Driving on Sus. License	Safeco	$237	Mabelle, 27 Zip: 62221	Nissan Sentra S	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Clearcover	$203	Antonio, 24 Zip: 62221	Volkswagen Jetta S	• State Minimum Liability • Comp / Collision

Last Updated Sep 20, 2024

Cheap car insurance quotes in Belleville by age

Car insurance rates start high, drop, and then rise again. Teen drivers pay more, middle-aged drivers pay less, and senior drivers pay more again—although not as much as when they were new to the road.

If you fall outside the ideal bracket for car insurance savings (25 to 75), here’s what you can do:

Cheapest car insurance in Belleville for young drivers

Teen drivers between the ages of 16 and 19 are statistically more likely to get into an accident, so they pay the highest rates of any age group.

The best way to keep costs low for

young drivers

is to keep them on their parents’ policy for as long as possible—and shop with Jerry to find the most affordable coverage for teen drivers in Calumet Park.

Here are some recent rates given to young drivers in Illinois on Jerry.

best senior car insurance

Thomas (24 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62226)

Ford Fusion SE

$273

per month

Allstate

Isaac (23 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62223)

Chevrolet Spark 1LT

$233

per month

Clearcover

Paul (24 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62221)

KIA Forte FE

$153

per month

National General

Sarah (21 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62223)

Honda Accord EX

$261

per month

Cheapest car insurance in Belleville for senior drivers

Senior drivers may be more likely to get into car accidents due to slowed reaction times and vision and hearing changes. They’re also more likely to be seriously injured if they do get into a collision. Because of that, insurance companies often charge higher rates for senior drivers.

To find the

, look for a company that rewards drivers for safe driving or keeping low mileage on their vehicles. Also, prioritize a company with good customer service.

With Jerry, not only can you safe on car insurance for seniors, but our expert customer service agents can help answer any questions you might have during the shopping process. The cards below show how much senior drivers pay each month for coverage with the Jerry app.

Micheal (65 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62226)

KIA Forte FE

$235

per month

car insurance lapse can raise your insurance rates

Elva (68 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Belleville, IL
(Zip Code: 62221)

Nissan Rogue S

$67

per month

Clearcover

Ruby (78 years old)

Coverage

State Minimum

Belleville, IL
(Zip Code: 62226)

Chevrolet Cruze LT

$79

per month

Cheap car insurance quotes in Belleville based on insurance history

Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a

With Jerry's automatic reminders, you can find a fresh start at a new company and remember your payments. You'll receive a detailed price comparison when it's time to renew so you can see if your current rates are still the most competitive in Belleville.

Mabel (38 years old)

Currently Insured

Coverage

State Minimum

Belleville, IL
(Zip Code: 62226)

GMC Acadia SLE

$83

per month

Allstate

Charles (22 years old)

Currently Insured

Coverage

State Minimum

Belleville, IL
(Zip Code: 62223)

Chevrolet Spark 1LT

$233

per month

Laura (52 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Belleville, IL
(Zip Code: 62226)

GMC Acadia Denali

$117

per month

Safeco

Clarence (32 years old)

Currently Insured

Coverage

State Minimum

Belleville, IL
(Zip Code: 62221)

KIA Optima LX

$224

per month

Alex (31 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Belleville, IL
(Zip Code: 62223)

Buick Encore GX Preferred

$143

per month

Over 4,000,000 customers and counting

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Cheap car insurance quotes in Belleville for drivers with poor credit

Making your payments on time is as important to auto insurance companies as driving safely. Even good drivers in Belleville will see their insurance rates increase if their credit score is 550 or less.

Compared to their poor credit counterparts, Belleville drivers with a high credit score pay almost 20% less for car insurance! However, you can make up the difference by shopping around with Jerry’s quick quote-comparing app.

Check out some real rates drivers in Illinois received after signing up with Jerry.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$160	Eric, 39 Zip: 62223	KIA K5 GT Line	• State Minimum Liability • Comp / Collision
660 - 750	Gainsco	$237	Ray, 29 Zip: 62221	Audi A3 Premium	• State Minimum Liability • Comp / Collision
660 - 750	Progressive	$83	Timothy, 38 Zip: 62226	GMC Acadia SLE	• State Minimum Liability • Comp / Collision
550 - 659	Travelers	$117	Marguerite, 52 Zip: 62226	GMC Acadia Denali	• 100,000/300,000 Liability • Comp / Collision
< 550	National General	$70	Zachary, 29 Zip: 62221	Chevrolet Suburban K1500	• State Minimum Liability

Last Updated Sep 19, 2024

Cheap car insurance quotes in Belleville for popular cars

The type of car you drive helps determine your annual insurance premiums. A model with good safety ratings, driver-assistive technology, and vehicle anti-theft systems costs less to insure. If it’s cheap to repair, then so much the better!

Here are the five most popular models on Belleville’s roads:

MORE: How different kinds of cars affect your car insurance rates

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4	Progressive	$64	Hallie, 43 Zip: 62223	• 100,000/300,000 Liability
Chevrolet Chevrolet_silverado	Nationwide	$51	Laura, 39 Zip: 62226	• 50,000/100,000 Liability

Last Updated Sep 20, 2024

Cheapest car insurance in Belleville for new vs. old car

It's usually less expensive to insure an old car than a new one.

We have found that the average insurance cost for a car older than 10 years is $200 per month in Belleville. The average cost for insuring a car less than four years old goes up to $152 per month.

Nellie (25 years old)

2019 Volkswagen Jetta S

Coverage

State Minimum

Belleville, IL
(Zip Code: 62221)

$119

per month

Sadie (53 years old)

2012 GMC Acadia Denali

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Belleville, IL
(Zip Code: 62226)

$117

per month

Safeco

Effie (36 years old)

2014 Volkswagen Jetta SE

Coverage

State Minimum

Belleville, IL
(Zip Code: 62226)

$169

per month

shopping for car insurance quotes

Victoria (38 years old)

2012 GMC Terrain SLT

Coverage

State Minimum

Belleville, IL
(Zip Code: 62223)

$64

per month

Clearcover

Susan (36 years old)

2019 Nissan Leaf S

Coverage

State Minimum

Belleville, IL
(Zip Code: 62223)

$134

per month

State Auto

Stephen (28 years old)

2019 KIA Optima LX

Coverage

State Minimum

Belleville, IL
(Zip Code: 62220)

$60

per month

How to lower car insurance costs in Belleville

1. Shop around and compare quotes

You can't get the best deal on auto insurance without comparing quotes from at least three different companies. Experts recommend comparison

every six months.

Take a look at the most competitive plans in five minutes or less with Jerry. Download the app, sign up, and get five to seven quotes delivered straight to your phone. It’s the best money you’ll never spend—because our five-star-rated app is free!

MORE:

How do I get multiple car insurance quotes at once?

Compare car insurance quotes now

2. Hunt for car insurance discounts

Getting the right

car insurance discount

can transform a good rate into a great one. You could save by joining a program for:

Good drivers. If you’ve held a

clean driving record

for at least three years, you’re due for some sweet discounts.

Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!

Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

Insurance bundlers. Bundle your car and home insurance and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

Why is car insurance in Belleville so expensive?

Congestion: Because driving in Belleville incurs a higher risk of dents, dings, and cracked windows than driving in the countryside, insurance rates are higher, too.

Motor vehicle theft: Similar to congestion, high motor vehicle theft rates in Belleville lead insurance providers to increase your premiums.

Fatality rates: Around one quarter of the fatal

car crashes in Illinois in 2021

happened on urban roads. Because of the high costs associated with motor vehicle fatalities, Belleville drivers pay higher rates.

Learn more:

11 Ways to lower car insurance

FAQ

How much is car insurance in Belleville?

People living in Belleville pay on average $72 per month – or $869 per year – on state-minimum liability coverage. Full coverage in Belleville costs on average $152 per month of $1,820 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Belleville?

Based on thousands of Belleville drivers Jerry has worked with, car insurance in Belleville costs an average of $72 per month for state-minimum coverage and $152 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Belleville?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Founders,

State Auto

, and