Compare Rockford, IL Car Insurance Rates [2024]

Rockford, IL car insurance is $36 less than the Illinois car insurance average and $591 less than the national average. However, Rockford, Illinois car insurance rates depend on the company and other factors that affect car insurance.

Those factors include age, driving record, credit history, and even marital status. Our guide explains how you can secure cheap car insurance in Rockford, IL.

Ready to find affordable Rockford, IL car insurance? Enter your ZIP code above to get started.

Monthly Rockford, IL Car Insurance Rates by 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

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Rockford, IL against other top US metro areas’ auto insurance rates.

What is the cheapest car insurance company in Rockford, IL?

The cheapest auto insurance company in Rockford, IL, is Liberty Mutual. The following most affordable companies are Liberty Mutual and Nationwide.

The cheapest Rockford, IL car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Illinois car insurance company rates?” We cover that as well.

Here are the best auto insurance companies in Rockford, Illinois, ranked from cheapest to most expensive:

• Liberty Mutual car insurance – $2,251
• Nationwide car insurance – $2,416
• Travelers car insurance – $2,529
• State Farm car insurance – $2,631
• Geico car insurance – $2,733
• USAA car insurance – $2,764
• American Family car insurance – $3,717
• Progressive car insurance – $4,093
• Farmers car insurance – $4,860
• Allstate car insurance – $5,418

Read more: Liberty Mutual vs. Travelers Car Insurance Comparison

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 car insurance discounts, you can lower your annual costs.

Before you get any discount, car insurance providers will inspect specific factors that affect your car 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 percent off if you have a clean driving record. In addition to no traffic violations or accidents, a good credit score can lower your car 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 car insurance cost is $293 per month.

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 car insurance rates that cost $1,800 per year.

Comparing Rockford, Illinois car insurance rates by age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

Your coverage level will play a major role in your Rockford, IL car insurance rates. Find the cheapest Rockford, Illinois car insurance rates by coverage level below:

Your credit score will play a major role in your Rockford, IL car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. You may be able to get a good credit discount. Find the cheapest Rockford, Illinois car insurance rates by credit score below.

Your driving record will affect your Rockford car insurance rates. For example, a Rockford, Illinois DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Rockford, IL car insurance with a bad driving record.

Factors affecting car insurance rates Rockford, IL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Rockford, Illinois car insurance.

These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Rockford. Therefore, teen car insurance is more expensive. IL does use gender, so check out the average monthly car insurance rates by age and gender in Rockford, IL.

What are the minimum car insurance coverage requirements in Rockford, IL?

All Rockford drivers must have the minimum car insurance required by the state, 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 coverage

Some car insurance agents may recommend higher coverage limits to cut possible out-of-pocket costs.

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What affects car insurance rates in Rockford, IL?

Did you know that your daily commute affects your car insurance? Even a city’s motor vehicle thefts affect car 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 car insurance. Higher rates of motor vehicle theft will certainly increase car insurance costs. The FBI annual statistics reported that Rockford had 389 car thefts in 2019.

Rockford, IL Car Insurance: The Bottom Line

Rockford, IL auto insurance rates are more affordable than most cities in the United States. You can save hundreds on car 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 car insurance in Rockford, Illinois, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Rockford, IL car insurance quotes.

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