Rockford, IL Auto Insurance (2024)
The cheapest auto insurance in Rockford, Illinois, is Liberty Mutual. However, auto insurance rates will vary for each person depending on your age and ZIP code. Rockford, IL auto insurance must meet the state minimum requirements with coverage levels of 25/50/20 for liability. We recommend higher coverage limits to cut possible out-of-pocket costs, but you can save money by asking about car insurance discounts.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Oct 18, 2023
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
- Rockford, Illinois auto insurance rates are $3,341/yr or $278/mo
- Six of the nation’s top companies have cheaper than average auto insurance quotes in Rockford
- Auto insurance requirements in Illinois are 25/50/20
Rockford, IL auto insurance rates are $36 less than the Illinois average and $591 less than the national average. However, Rockford, Illinois auto insurance rates depend on the company and other factors that affect auto insurance.
Those factors include age, driving record, credit history, and even marital status. Our guide explains how you can buy cheap auto insurance in Rockford, IL.
Monthly Rockford, IL Car Insurance Rates by ZIP Code
ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Rockford, IL auto insurance rates by ZIP Code below:
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Rockford, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates
What city you reside in will impact your car insurance. That’s why it’s essential to compare Rockford, IL against other top US metro areas’ auto insurance costs.
Ready to find affordable Rockford, IL auto insurance? Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Rockford, IL?
The cheapest auto insurance company in Rockford, IL, is Liberty Mutual. The following most affordable companies are Nationwide and Travelers.
The cheapest Rockford, IL car insurance providers can be found below. You also might be wondering, “How do those Rockford, IL rates compare against the average Illinois car insurance company rates?” We uncover that too.
Here are the best auto insurance companies in Rockford, Illinois, ranked from cheapest to most expensive:
- Liberty Mutual – $2,251
- Nationwide – $2,416
- Travelers – $2,529
- State Farm – $2,631
- Geico – $2,733
- USAA – $2,764
- American Family – $3,717
- Progressive – $4,093
- Farmers – $4,860
- Allstate – $5,418
Liberty Mutual, Nationwide, Travelers, State Farm, Geico, and USAA are the only companies in Rockford that provide cheaper than average auto insurance rates. With the right discounts, you can lower your annual costs.
Before you get any discount, auto insurance providers will inspect specific factors that determine your auto insurance rates, such as age, gender, marital status, driving record, and credit history.
The most important factor is your driving history. Some auto insurance companies provide up to 40% off if you have a clean driving record. In addition to no traffic violations or accidents, a good credit score can lower your auto insurance rates even more.
Even your location is a factor. Did you know your neighborhood ZIP code can save you hundreds more if you live in a safer address? The cheapest ZIP code in Rockford, IL, is 61104, and its average auto insurance cost is $293/mo.
If you’re a single driver under 25 years old, you could face auto insurance quotes up to $7,636 per year. On the other hand, married drivers over 24 years old may have auto insurance rates that cost $1,800 per year.
Rockford, Illinois car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.
Your coverage level will play a major role in your Rockford, IL car insurance costs. Find the cheapest Rockford, Illinois car insurance costs by coverage level below:
Your credit score will play a major role in your Rockford, IL car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Rockford, Illinois car insurance costs by credit score below.
Your driving record will affect your Rockford, IL car insurance costs. For example, a Rockford, Illinois DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Rockford, Illinois car insurance costs by driving record.
Controlling these risk factors will ensure you have the cheapest Rockford, Illinois car insurance. Factors affecting car insurance rates in Rockford, IL may include your commute, coverage level, tickets, DUIs, and credit.
Age is a significant factor for Rockford, IL car insurance rates. Young drivers are often considered high-risk. This Rockford, Illinois does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Rockford, IL.
What are the minimum auto insurance coverage requirements in Rockford, IL?
All Rockford drivers must have the minimum Illinois auto insurance requirements, which are:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $20,000 per incident for property damage
- $25,000 per person and $50,000 per incident for uninsured/underinsured motorist
Some auto insurance agents may recommend higher coverage limits to cut possible out-of-pocket costs.
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What affects auto insurance rates in Rockford, IL?
Did you know that your daily commute affects your auto insurance? Even a city’s motor vehicle thefts affect auto insurance quotes.
And more residents means more drivers on the road. According to INRIX, Rockford is ranked 227th in the most congested cities in the United States.
What about the daily drive to work? How long does it usually take to get to work in Rockford? According to Data USA, it takes the average Rockford driver 20 minutes to get to work – that’s five minutes faster than the national average.
However, vehicle theft has a significant impact on comprehensive auto insurance. Higher rates of motor vehicle theft will certainly increase auto insurance costs. The FBI annual statistics reported that Rockford had 389 car thefts in 2019.
Having adequate comprehensive auto insurance coverage can also come in handy when your car is damaged because of Rockford, IL weather.
Rockford, IL Auto Insurance: The Bottom Line
Rockford, IL auto insurance rates are more affordable than most cities in the United States. You can save hundreds on auto insurance if you maintain a clean driving record and a good credit score. Also, married drivers that are 25 and older can save thousands.
Before you buy auto insurance in Rockford, Illinois, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Rockford, IL auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between you and an insurance company that provides financial protection in case of accidents, theft, or other damages to your vehicle. It typically covers both property damage and liability for bodily injury.
Is auto insurance mandatory in Rockford, IL?
Yes, auto insurance is mandatory in Rockford, IL, as it is in most states. Illinois law requires drivers to carry liability insurance with minimum coverage limits.
What are the minimum auto insurance requirements in Rockford, IL?
In Rockford, IL, the minimum liability insurance requirements are as follows:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $20,000 for property damage per accident
Are there any additional auto insurance coverages I should consider?
While the minimum liability coverage is mandatory, you may want to consider additional coverages such as:
- Collision coverage: Covers damage to your vehicle in case of an accident, regardless of fault.
- Comprehensive coverage: Covers non-collision incidents like theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if you’re in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Medical payments coverage: Covers medical expenses for you and your passengers, regardless of fault.
How are auto insurance premiums determined in Rockford, IL?
Auto insurance premiums are influenced by various factors, including:
- Your driving record
- Age and gender
- Type of vehicle you drive
- Your credit score
- Annual mileage
- Deductible amounts
- Coverage limits
Insurers assess these factors to determine the level of risk you represent and calculate your premium accordingly.
How can I find affordable auto insurance in Rockford, IL?
To find affordable auto insurance in Rockford, IL, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record.
- Increase your deductibles if you can afford to pay more out of pocket.
- Take advantage of available discounts (e.g., multi-policy, safe driver, good student, etc.).
- Consider bundling your auto insurance with other policies.
What should I do after an accident in Rockford, IL?
After an accident in Rockford, IL, follow these steps:
- Ensure everyone’s safety and call emergency services if necessary.
- Exchange information with the other driver(s) involved.
- Take pictures of the accident scene and any damages.
- Notify your insurance company as soon as possible and provide them with accurate details of the accident.
- Cooperate with the insurance company’s investigation and claims process.
Can my auto insurance policy be canceled in Rockford, IL?
Yes, your auto insurance policy can be canceled in Rockford, IL, under certain circumstances. Insurance companies may cancel a policy for reasons such as non-payment, fraud, or if your driver’s license is suspended or revoked. Maintain a good driving record and pay your premiums on time to avoid policy cancellation.
Are there any discounts available for auto insurance in Rockford, IL?
Yes, many insurance companies offer various discounts on auto insurance in Rockford, IL. Common discounts include:
- Multi-policy discount: Insuring multiple vehicles or bundling auto insurance with other policies.
- Safe driver discount: Having a clean driving record without accidents or violations.
- Good student discount: Maintaining good grades if you’re a high school or college student.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.
