Cheapest Car Insurance In Rockford, IL 2025
If you’re looking for the most budget-friendly car insurance in Rockford, Mercury is the top choice at $29 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Shopping for the lowest-priced car insurance in Rockford, IL , can be challenging because prices fluctuate.
Those looking for budget-friendly liability insurance should go with Mercury. American Family offers the best full coverage rates, while Kemper has the lowest prices for young drivers.
Cheapest Car Insurance In Rockford, IL 2025
Cheapest Liability-only Car Insurance In Rockford: Mercury
If you’re looking for budget-friendly minimum coverage in Rockford, Mercury is the cheapest at $29 month.
The table below breaks down insurance rates across multiple providers for easy comparison.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $29 | $348 |
| Auto-Owners | $35 | $420 |
| GEICO | $37 | $444 |
| Westfield | $30 | $360 |
| American Family | $39 | $468 |
Cheapest Full Coverage Insurance Rates In Rockford: American Family
Drivers in Rockford can get full coverage at the lowest price from American Family, with quotes averaging $63 a month.
Below is a table comparing average insurance quotes from cost-effective providers in Rockford.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $63 | $756 |
| GEICO | $72 | $864 |
| Auto-Owners | $75 | $900 |
| Country Financial | $70 | $840 |
| Travelers | $73 | $876 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
Seniors in Rockford can find the most budget-friendly car insurance from Auto-Owners at just $43 per month.
Check out the table below for a comparison of average auto insurance quotes from low-cost providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $43 | $516 |
| Progressive | $73 | $876 |
| State Farm | $45 | $540 |
| GEICO | $60 | $720 |
| Country Financial | $65 | $780 |
Cheapest Rates In Rockford For Teenagers: State Farm
Teen drivers in Rockford will find the most budget-friendly quotes from State Farm, at around $110 per month.
Check out the table below to see which companies offer the most budget-friendly insurance for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $110 | $1,320 |
| GEICO | $139 | $1,668 |
| Erie | $164 | $1,968 |
| American Family | $190 | $2,280 |
| Country Financial | $129 | $1,548 |
Cheapest Auto Insurance For Young Adults in Rockford: Kemper
For young adults in Rockford, Kemper offers the best-priced car insurance, with average rates of $84 per month.
You can review the table below to find the most budget-friendly auto insurance options for young adults in Rockford.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $84 | $840 |
| Direct Auto | $85 | $1,164 |
| Clearcover | $101 | $1,104 |
| GEICO | $107 | $1,284 |
Cheapest Car Insurance In Rockford For Good Drivers: Mercury
Mercury provides Rockford’s best insurance rates for good drivers, with an average monthly premium of $29.
If you’re a responsible driver, you can refer to the table below for the lowest insurance quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $29 | $348 |
| Auto-Owners | $35 | $420 |
| GEICO | $37 | $444 |
| Westfield | $30 | $360 |
| American Family | $39 | $468 |
Find affordable Rockford rates
Cheapest Car Insurance In Rockford After A Speeding Ticket: State Farm
State Farm offers lower rates than many competitors in Rockford, with average monthly premiums of $94 for drivers with a speeding ticket.
The following table provides a breakdown of average premiums for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $94 | $1,130 |
| Country Financial | $121 | $1,448 |
| Auto-Owners | $96 | $1,150 |
| GEICO | $160 | $1,920 |
| Allstate | $109 | $1,308 |
Free Policy Review: Spot Gaps. Cut Costs.
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers with an at-fault incident can get the most budget-friendly car insurance from State Farm, with rates averaging $94 per month.
These companies provide the most budget-friendly car insurance for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $94 | $1,127 |
| Country Financial | $116 | $1390 |
| Auto-Owners | $108 | $1,292 |
| GEICO | $139 | $1,671 |
| Allstate | $110 | $1,315 |
Cheapest Rates In Rockford For Drivers After A DUI: State Farm
Drivers in Rockford with a DUI can find the lowest insurance premiums from State Farm, averaging $95 monthly.
The following table shows the most budget-friendly car insurance rates for drivers with a DUI in Rockford.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $95 | $1,140 |
| Country Financial | $123 | $1,470 |
| Allstate | $128 | $1,536 |
| Auto-Owners | $160 | $1,923 |
| GEICO | $182 | $2,178 |
Best Car Insurance Companies In Rockford
If you’re looking for cheap car insurance in Rockford, Mercury offers the best rate at $29 per month, followed by Westfield at $30 and Auto-Owners at $35.
The following list ranks the 10 most affordable car insurance companies in Rockford, IL, by their average monthly cost.
| Company | Monthly Premium |
| Mercury | $29 |
| Auto-Owners | $35 |
| GEICO | $37 |
| Westfield | $30 |
| American Family | $39 |
| Erie | $38 |
| Travelers | $42 |
| Country Financial | $44 |
| Progressive | $45 |
| Direct Auto | $55 |
Average Auto Insurance Rates In Rockford – By Age
Your age is an important factor in how much you pay for car insurance. Because teen drivers are more prone to accidents, they usually face higher premiums, averaging $2,159 per year.
By the time drivers hit 25, their insurance costs usually go down, as long as they’ve maintained a clean record.
People in their 50s and early 60s tend to receive the most affordable insurance rates, as age plays a role in how companies evaluate risk.
| Age | Average Yearly Rate |
| Teenagers | $2,159 |
| 20s | $1,531 |
| 30s | $1,129 |
| 40s | $1,063 |
| 50s | $907 |
| 60s | $910 |
| 70s | $1,058 |
Average Rates In Rockford – By Vehicle
The kind of car you drive plays a major role in your insurance price. Insurance companies assess details like the make, model, and year, with newer and high-end models often having steeper rates.
Find the average insurance prices for various vehicle models in Rockford by reviewing the table below.
| Vehicle | Average Monthly Rate |
| Dodge Journey | $265 |
| Nissan Sentra | $167 |
| Chrysler 300 | $168 |
| Cadillac Escalade | $142 |
| Chevrolet Malibu | $140 |
Average Cost Of Auto Insurance In Rockford – By Zip Code
Insurers analyze zip codes to measure crime risks, resulting in varying car insurance rates across different areas.
Find out the average insurance rates for different Rockford zip codes in the table below.
| City | Average Monthly Rate |
| 61101 | $105 |
| 61107 | $103 |
| 61104 | $99 |
| 61114 | $98 |
| 61109 | $104 |
How Much Is Car Insurance In Other Cities in Illinois?
Your location plays a major role in determining your car insurance price. Since urban areas have higher crime and accident rates, insurance premiums tend to be more expensive.
On average, car insurance costs $140 per month in Chicago, while Champaign residents pay a lower monthly rate of $92.
| City | Average Monthly Rate |
| Rockford | $105 |
| Chicago | $140 |
| Peoria | $101 |
| East Saint Louis | $113 |
| Bloomington | $103 |
| Schaumburg | $106 |
| Decatur | $102 |
| Naperville | $104 |
| Champaign | $92 |
| Joliet | $110 |
Find affordable Rockford rates
Our methodology
Based on a detailed analysis of customer ratings, pricing, coverage choices, and online feedback, I’ve developed a complete guide to car insurance in Rockford, IL.
Quotes Analyzed
Years of Industry
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Rockford?
If you’re looking for the cheapest car insurance in Rockford, Mercury has the best rates for minimum coverage, while Auto-Owners is the most affordable option for full coverage.
What is the average cost of car insurance in Rockford?
The average cost of auto insurance in Rockford is approximately $100 per month, though your rate will depend on your car, zip code, and driving habits.
