Best Auto Insurance Rates in Belleville, Illinois

On average your neighbors pay $67 a month.

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Home to a host of fun and adventurous attractions, Belleville, Illinois, has much to offer visitors and residents alike. For instance, the Belle-Clair Speedway is perfect for people with a need for speed.

Just make sure you leave the speeding to the state’s racecar drivers once you exit the track. And leave the task of finding affordable car insurance to us.

Average Belleville Car Insurance Rates

How much is car insurance in Belleville, IL? Rates here can be expensive. Premiums for many are higher than both the state and national average. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on multiple factors including: your driving record and the number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Belleville, Illinois and save up to 40% on your premium.

Last year, 1,386 people used QuoteWizard to compare car insurance quotes in Belleville, IL from multiple companies to find the lowest rates.

Best Car Insurance Companies in Belleville, IL

This is our list of the most common car insurance companies reported by 1,386 QuoteWizard users in Belleville, Illinois, last year. Of these users, 51 did not have insurance when they asked for a quote.

Top 10 Vehicles in Belleville

These are the most common car makes and models owned by Belleville, IL drivers who requested quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet Impala LS/LT
  3. Chevrolet Malibu/LS
  4. Cadillac CTS
  5. Hyundai Sonata GLS
  6. Ford Taurus SE
  7. Buick Lesabre Custom
  8. Ford Explorer
  9. Chevrolet Equinox LT
  10. Kia Soul
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Minimum Car Insurance Requirements in Belleville, IL

Belleville, Illinois, has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most insurance companies will pay in total for every person injured in an accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a crash.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence Belleville insurance rates.

Belleville drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Belleville, like most Illinois cities, has a warm, humid climate. That means long, hot summers, cold winters, and no real dry season. In an average year, Belleville residents can expect around 203 sunny days and about 91 days with measurable precipitation. The city sees an average of 15 inches of snow annually, which can produce slick roads, causing accidents.

Road Conditions

According to Tripnet.org, 67 percent of Illinois’ major roads are in poor or mediocre condition. These poorly maintained roads costs drivers $4.4 billion, or $540 per motorist, in extra vehicle operating costs per year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

Belleville's pothole problem can be attributed to severe winters. If you would like to report a pothole, contact the Public Works Department or report is on SeeClickFix.

Moving Violations

Moving violations like speeding tickets, at-fault accidents, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you'll need to purchase high-risk auto insurance for bad drivers.

Traffic Tickets

The St. Clair County Clerk of the Circuit Courts website allows residents to pay traffic tickets and provides other important traffic court information.

Drunk Driving Arrests

According to AAIM, there 74 arrests made for suspicion of driving under the influence in St. Clair County in 2015. 

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Belleville DUI insurance.

Vehicle Theft Rates

The City of Belleville reported 55 motor vehicle thefts in 2015, a rate of 1.29 per 1,000 residents, which is a well under the national average of 2.16 per 1,000.

Car Insurance Discounts in Belleville

Discounts are one of the best ways to lower your insurance rates. These are some of the auto insurance discounts available to drivers in Belleville, IL depending on your carrier.

  1. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  2. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  3. Install anti-theft devices or a car alarm system
  4. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  5. Are you married or getting married soon? Some insurers offer a discount to married couples
  6. Maintain at least a B grade point average in school to qualify for the good student discount
  7. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  8. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  9. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  10. Shop around and compare low-cost Belleville car insurance quotes

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