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How much is car insurance in Belleville?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Illinois are about $5 a month cheaper than the rates drivers pay in Belleville.
When stacked up against the national average, the average monthly policy payment for Belleville is more affordable. It's around $25 less to insure your vehicle compared to the average rate for the United States as a whole.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down the average rate for Belleville residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may begin to go back up in Belleville.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Belleville, however, men actually pay a bit less than female drivers for car insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Belleville, a driving record with one accident will usually get you a rate around $67 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $75.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$54|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Belleville, with drivers paying around $48 per month for insurance coverage.
Car owners will see a monthly premium of about $56, while SUV owners typically pay around $57 per month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Belleville, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Belleville is no exception, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Belleville, expect to pay around $11 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Belleville, IL
Recent trends in car insurance for Belleville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Auto insurance rates in Belleville dropped from 2016-2019, when they hit a low of $50. This changed in 2020, when rates started to rise. This pattern has continued through the present, where rates recently reached $58.
How does Belleville compare to neighboring areas?
Why are car insurance rates in Belleville different from other areas?
Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Amount of drivers in the region
- Amount of off-street parking
- Crime rates
- Community laws
- Road safety
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Belleville?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Belleville.
Belleville Insurance FAQs
What factors affect car insurance quotes in Belleville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Belleville different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Belleville?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Belleville?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Belleville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.