Cheapest Car Insurance In Rockford, IL

I’ve singled out State Farm as the best choice for car insurance in Rockford, IL.

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Updated: 15 September 2023
Written by
Doug Schaffer

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Over a span of 30 hours, our team pored over 58 car insurance quotes from 19 distinct providers in Rockford. After careful analysis, State Farm and Auto-Owners emerged as the standout insurance options in the area.

While State Farm shines as the best all-around car insurance provider, Auto-Owners takes the crown for affordability, particularly catering to drivers with violations and those seeking varied coverage.

Despite the typical monthly cost of coverage in Illinois hovering around $150, Rockford’s average monthly rates experienced a slight uptick, averaging approximately $184.

In the upcoming sections, we’ll delve into how factors like age, gender, location, and driving history influence the monthly premium for Rockford drivers.

Cheapest and best car insurance companies in Rockford, IL 2023

Cheapest Car Insurance, Rockford 2023

Compare the cheapest car insurance companies in Rockford, IL

Average Annual Cost Overall Rating JD Power Rating Best For AM Best Rating Get A Quote
Auto-Owners

$844

4.6

837

Minimum Coverage

A++

Instant Quote
Auto-Owners

$1,033

4.6

837

Full Coverage

A++

Instant Quote
State Farm

$907

4.9

842

Best Affordable Coverage

A++

Instant Quote
USAA

$1,636

4.8

881

Young Drivers

A++

Instant Quote
Mercury

$1,059

4.1

829

Senior Drivers

A

Instant Quote
Auto-Owners

$1,517

4.6

837

Driving Violations

A++

Instant Quote
Scroll to see comparisons

Our methodology

Our Investigation Process: To find the most affordable car insurance rates in Rockford, we did some serious digging. We checked various car insurance review platforms, looked at publicly available info from Quadrant Information Services, and got insights from our experienced insurance team (who've been at this for 25 years). Just know, the rates we're sharing here are accurate, but insurance prices can change daily and depend on your personal driving situation. Our Steps:

58

Quotes Analyzed

25

Years of Industry

19

Brands Reviewed

30+

Research Hours

Reviews Of The Cheapest car insurance companies in Rockford, IL


Best Overall Rates

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

Sometimes going for the cheapest option doesn’t ensure top-notch service. However, State Farm has cracked the code of providing great customer service while keeping costs down. On average, State Farm policyholders pay around $900 for coverage.

Well-regarded as one of the most affordable car insurance picks in Rockford, State Farm also earns high marks for customer satisfaction. Many people have had positive experiences with their local agents.

If you’re shopping for auto insurance, it’s a smart move to consider adding State Farm to your list of options.

Benefits & Drawbacks

Benefits
  • Excellent customer service scores
  • Cost-effective coverage options for different driving scenarios
  • Strong financial ratings on J.D. Power and AM Best scales
  • Availability of local agents for in-person discussions
Drawbacks
  • Limited selection of customizable choices
  • No provision for gap insurance for policyholders

Cheapest Overall Rates in Rockford

Company Average Rate Per Year
State Farm $901
Auto-Owners $917
GEICO $1,214
National General $1,363
Travelers $1,647

Cheapest For Motorists with Driving Violation

Overall Rating
4.6

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

Some insurers heavily factor driving violations, making affordable car insurance seem out of reach. However, Auto-Owners remains unwavering in offering affordable car insurance solutions to a broad spectrum of drivers, even those with prior at-fault accidents or DUIs.

While the exact impact of each violation on your coverage cost may differ, many drivers can still access car insurance plans through Auto-Owners at an average yearly rate of approximately $1,501.

Although Auto-Owners might not lead the pack in user experience among major insurers, their personalized consultations have proven beneficial to many policyholders.

All in all, Auto-Owners shines as an appealing option for individuals with a few incidents in their driving history.

Benefits & Drawbacks

Benefits
  • Face-to-face meetings can be arranged for those aiming to build a connection with an agent
  • Competitive rates extended to the majority of drivers
  • Qualified drivers can utilize perks such as accident forgiveness and diminishing deductible
Drawbacks
  • Service coverage is currently limited to just 26 states
  • The online platform currently does not provide immediate quote generation
  • Policy management features are not accessible through the company's online portal

Your past driving record holds considerable sway over the monthly insurance premiums set by providers. Individuals with clean records are seen as low-risk drivers, translating to more pocket-friendly rates. However, those with speeding tickets, DUIs, or at-fault accidents are labeled as “high-risk.”

Sadly, those with previous driving mishaps often encounter notably steeper premium rates, potentially straining their budgets. Yet, certain companies, like Auto-Owners, take a more forgiving stance, offering perks such as accident forgiveness.

Cheapest Rates for Motorists with Driving Violations in Rockford

Company Average Rate Per Year
Auto-Owners $1,501
State Farm $1,744
GEICO $2,312
National General $2,558
USAA $2,834

Cheapest Full Coverage Rates

Overall Rating
4.6

Key Statistics

9/10 Affordability
7/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

While not serving every state, Auto-Owners emerges as a standout option for Rockford drivers. They offer some of the most affordable full coverage rates in the state, alongside a dedication to ensuring a pleasing customer journey, especially for those who value direct interaction with local agents.

Although they don’t offer online policy management, Auto-Owners offsets this with a range of beneficial features. Notably, their accident forgiveness policy shines as a valuable perk.

Across most of their comprehensive coverage plans, Auto-Owners keeps the yearly cost averaging around $1,032.

Benefits & Drawbacks

Benefits
  • Policyholders who meet the requirements can benefit from a wide range of discounts
  • Recognized by collision experts for their efficient claims processing
  • Extra coverage choices like gap insurance, new car replacement, and diminishing deductible are available
Drawbacks
  • Those needing an SR-22 will need to secure coverage from a different insurance provider
  • Currently, coverage is limited to only 26 states
  • Online or app-based application and policy management services are not presently provided

While all drivers need the minimum state-required coverage, having comprehensive full auto insurance isn’t mandatory. Yet, there are benefits to paying a bit more for extra protection. For instance, with a complete full coverage auto policy, you get these coverages:

  • Property damage liability
  • Bodily injury liability
  • Comprehensive and collision protection

Cheapest Full Coverage Rates in Rockford

Company Average Rate Per Year
Auto-Owners $1,039
State Farm $1,091
GEICO $1,469
Travelers $1,604
American Family $1,915

Cheapest Minimum Coverage Rates

Overall Rating
4.6

Key Statistics

9/10 Affordability
7/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

When it comes to basic coverage, having a reliable company to support you in case of accidents or damage is crucial. With Auto-Owners, you’ll get a local agent who understands your needs. Moreover, Auto-Owners is one of the most budget-friendly options in Rockford.

For most customers seeking minimum coverage, the yearly cost with Auto-Owners is about $840.

Finding an insurance provider that offers both customer satisfaction and affordability for minimal auto insurance isn’t easy.

Benefits & Drawbacks

Benefits
  • Boasts strong financial performance according to multiple independent agencies
  • Local agents handle policy management, promoting a strong connection between the company and policyholders
  • Affordable rates are available for various driving scenarios
Drawbacks
  • Lacks online or app-based policy viewing and management capabilities
  • Coverage is limited to just 26 states
  • Does not currently offer the ability to handle SR-22 filings

While many go for full coverage auto insurance, there are solid reasons to consider a minimum coverage plan. For instance, if you have multiple vehicles and rarely use one, opting for a minimum plan for that specific car or truck makes sense.

Likewise, if you have a college student leaving their vehicle at your home while away at school, adjusting the coverage from full to minimum could cut down on costs.

In the end, a minimum coverage plan lets you legally drive while providing partial protection in case of accidents or collisions.

Cheapest Minimum Coverage Rates in Rockford

Company Average Rate Per Year
Auto-Owners $842
State Farm $876
GEICO $1,185
National General $1,323
Erie Insurance $1,388

Cheapest Rates for Senior Drivers

Overall Rating
4.1

Key Statistics

8/10 Affordability
6/10 Customer Reviews
7/10 Payouts
7/10 Coverage Level

Why We Like Them

While Mercury Insurance may not top the charts compared to certain competitors, they stand out as the go-to choice for budget-conscious seniors in Rockford.

The average annual cost settles around $1,053, making it an appealing option. Mercury also goes the extra mile, offering additional perks and selections for policyholders, including ride-sharing coverage and safeguarding against mechanical breakdowns.

Benefits & Drawbacks

Benefits
  • Affordable insurance choices customized for senior drivers and individuals with a spotless driving record
  • Specialized additional coverage is available for ride-sharing drivers
Drawbacks
  • Higher volume of customer complaints compared to industry norms
  • Limited options for personalizing auto insurance policies
  • Coverage is limited to an exclusive 11-state region

Contrasting with their younger counterparts, seniors boast a wealth of road experience that insurance companies analyze closely when calculating rates. Should a senior driver maintain a relatively untarnished driving record over the years, it’s plausible that their rates will frequently land below the average mark.

Moreover, specific insurance providers might extend reduced rates to seniors who drive less frequently. This lower activity translates to decreased accident risks, leading providers to label seniors as “low-risk” drivers

Cheapest Rates for Senior Drivers in Rockford

Company Average Rate Per Year
Mercury $1,059
Country Preferred Insurance $1,034
GEICO $1,103
Erie $1,254
State Farm $1,276

Cheapest Rates for Young Drivers

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Before exploring USAA, remember they cater exclusively to active military members, veterans, and their families. If you fall into this category, consider including USAA when you’re seeking insurance quotes.

USAA stands out for its strong customer service and experience. Their rates in Rockford are competitive, averaging around $1,632 per year for young drivers. You’ll also find perks like accident forgiveness and new car replacement with USAA.

Benefits & Drawbacks

Benefits
  • Recognized for its outstanding customer service and excellent user experience
  • Affordable rates accommodate a wide range of driver profiles
  • Features include accident forgiveness and the chance for new car replacement
Drawbacks
  • Coverage eligibility is restricted to military members, veterans, and their families
  • The option to add gap insurance to an auto policy is noticeably missing

Typically, insurance companies factor driving history significantly in premium calculations. However, when it comes to young drivers, the process is complex due to their limited road experience. Instead, many companies use data to predict the potential risk associated with teenage drivers.

As time passes and more driver data becomes available, many young drivers will likely notice their rates decreasing as they consistently practice safe driving behaviors.

Cheapest Rates for Young Drivers in Rockford

Company Average Rate Per Year
USAA $1,638
Country Financial $1,765
State Farm $1,771
Travelers $2,403
Progressive $2,485

Average cost of car insurance in Rockford, IL

Insurance Company Average Monthly Quote
Auto-Owners $81
State Farm $96
Geico $129
National General $134
Travelers $143

Average cost in Rockford – By age

Age Group Average Monthly Rate
Teenagers $331
Under 25 $243
25-29 $186
30s $168
40s $174
50s $148
60s $153
70s $131
80s $154

Average cost in Rockford – By Gender

Gender Average Monthly Cost
Female $92
Male $94

Average cost in Rockford – Marital Status

Marital Status Average Monthly Cost
Single $93
Married $87

Average cost in Rockford – By accident and violation history

Violation/Incident Type Average Monthly Rate
Clean Record $188
Speeding Ticket $254
DUI/DWI $377
At-Fault Accident $271

Average cost in Rockford – By credit tier

Credit Tier Average Monthly Rate
Excellent $84
Good $98
Fair $141
Poor $172

Average cost in Rockford – By Zip code

Zip Code Average Monthly Cost
61101 $84
61102 $86
61103 $91
61104 $88
61105 $69
61107 $94
61108 $93
61109 $95
61112 $60

Minimum car insurance requirements in Illinois

Illinois mandates auto insurance coverage for drivers to legally drive a motor vehicle. The following coverage amounts are crucial:

  • $25,000 for one person’s injury or death in an accident
  • $50,000 for injury or death of multiple individuals in an accident
  • $20,000 for damage to another person’s property

Failure to meet these minimum requirements might lead to fines up to $1,000 and/or a temporary suspension of your driver’s license.

How to buy car insurance in Rockford

Securing car insurance isn’t just about getting the policy – it’s understanding the steps to ensure the coverage you need. If you’re new to this process, comparing policy options might seem overwhelming.

To give you a clearer roadmap for your car insurance journey, here are five essential steps you should follow:

Step 1: Gather all necessary information in advance (such as vehicle details, driver’s license numbers, personal info of policy members, and driving history).
Step 2: Determine the coverage amount required to meet Illinois legal standards.
Step 3: Choose between purchasing your policy online or through a local agent.
Step 4: Compare quotes from at least three different auto insurance providers.
Step 5: Finalize your policy purchase and inform your previous insurer about the switch.

Factors that impact cost of your car insurance policy in Rockford

Your monthly car insurance premium isn’t determined by a single factor, but rather a combination of elements. Your zip code, for instance, holds substantial sway over the rates insurers provide. If you live in an area with higher rates of auto theft or vandalism, your coverage costs might be affected.

Beyond location, car insurance providers also consider these aspects when calculating your rates:

  • Driving history
  • Vehicle type
  • Average annual mileage
  • Credit history
  • Marital status
  • Age
  • Gender
  • State-mandated insurance requirements

In the news

Information about Rockford

Rockford stands as a city with its own distinct charm. While it may not boast the sprawling dimensions of its larger counterparts, Rockford possesses a character that sets it apart. With a population of around 150,000 residents, Rockford forms a closely-knit community that is intricately woven into the fabric of the state.

As the birthplace of notable individuals like actress Jane Lynch and astronaut Scott Altman, Rockford holds a history that extends beyond its borders. The city’s historic significance is gracefully intertwined with modern aspirations, creating a dynamic blend that epitomizes the essence of Illinois. With a range of attractions, events, and a thriving arts community, Rockford beckons both residents and visitors to experience the unique blend of heritage and progress that defines the city.

Car insurance discounts in Rockford

When considering car insurance options in Rockford, it’s more than just chasing the lowest price. Several insurers offer an array of discounts that can significantly reduce your monthly coverage costs. Let’s take a look at some of these discounts that you should definitely keep in mind before finalizing your car insurance plan:

  • Paid in full
  • Multi-vehicle
  • Multi-policy
  • Military
  • Senior
  • Student away
  • Good student
  • Safe driver
  • Defensive driving
  • Low mileage
  • Accident-free

FAQs

Why is Illinois car insurance so high?

Several elements contribute to the monthly expenses that Illinois drivers face, but one significant factor has been taking center stage recently — uninsured drivers. With approximately 15% of drivers navigating the roads without insurance coverage, insurance companies are adjusting their premiums to account for the costs incurred when accidents involving uninsured motorists occur.

Which company offers the cheapest car insurance?

For cost-conscious drivers in Rockford seeking affordable car insurance, State Farm is the go-to option. Among the available choices in the city, this insurance provider distinguishes itself by offering budget-friendly coverage, with an average yearly cost of approximately $900.

How much is car insurance in Illinois a month?

Your place of residence can influence your auto insurance rates. On average, however, most drivers in Illinois can expect to pay around $150 per month for comprehensive car insurance coverage.

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