Belleville drivers pay an average of $1,804/year — $33 more than the national average. With 546 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $328/year.
(888) 217-6781Estimated full coverage auto insurance rates for Belleville, IL from top carriers. Rates are adjusted for Belleville's 546 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $682 | $114/mo |
| Progressive | $771 | $128/mo |
| Country Financial | $793 | $132/mo |
| State Farm | $843 | $140/mo |
| Allstate | $1,026 | $171/mo |
Estimates based on 2026 rate filings for ZIP 62226. GEICO is cheapest at ~$114/mo. Actual rates vary by driver profile and exact Belleville location.
These Belleville-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Belleville, IL. Takes under 2 minutes.
(888) 217-6781Belleville is a smaller city in Illinois with a population of 42,404. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, blizzards, lake-effect snow, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Belleville.
For official Illinois insurance regulations, visit the Illinois Department of Insurance. For driver licensing, see the Illinois Secretary of State.
Your specific ZIP code within Belleville can swing your premium by hundreds of dollars. Here's how rates compare across Belleville neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 62241 | Belleville South Side | $1,705/yr | $142/mo |
| 62228 | Belleville North Side | $1,715/yr | $143/mo |
| 62242 | Belleville West Side | $1,762/yr | $147/mo |
| 62228 | Belleville East Side | $1,810/yr | $151/mo |
| 62226 | Belleville Downtown/Central | $1,924/yr | $160/mo |
The cheapest ZIP is 62241 (Belleville South Side) at $1,705/yr. The most expensive is 62226 (Belleville Downtown/Central) at $1,924/yr — a $219/year difference for the same driver.
Your Belleville ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Belleville. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,788/yr | $316/mo | +110% vs avg |
| Young Adult (20-25) | $2,526/yr | $211/mo | +40% vs avg |
| Adult (26-35) | $1,804/yr | $150/mo | 0% vs avg |
| Mid-Career (36-50) | $1,588/yr | $132/mo | -12% vs avg |
| Senior (51-65) | $1,497/yr | $125/mo | -17% vs avg |
| 65+ | $1,606/yr | $134/mo | -11% vs avg |
Teens in Belleville pay an average of $3,788/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,497/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Illinois cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Belleville drivers can save up to $328/year. ZIP 62241 (Belleville South Side) has the lowest rates starting at $1,705/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes