Cheapest Car Insurance in Rockford, IL (2026)

Rockford drivers have average costs of $624 per year for minimum coverage and $1,236 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: GEICO delivers Rockford's most affordable minimum coverage at $375 per year ($31 monthly). That's 40% lower than the city average of $624, saving you $249 annually. Erie Insurance secures second place for minimum coverage at $412 per year ($34 monthly), a 34% savings compared to the city average.
• Cheapest full coverage: GEICO provides the most competitive full coverage at $830 annually ($69 monthly), 33% below the city average of $1,236. That's $406 in annual savings. Auto-Owners' full coverage costs $935 per year ($78 monthly), still 24% below the city average but $105 more than GEICO annually.

Car insurance costs vary dramatically by age in Rockford, with young drivers facing the highest rates. Here's how the most affordable providers stack up across age groups:

• Adults: GEICO leads at $31 monthly, followed by Erie at $34
• Seniors: GEICO is $37 monthly, with Erie is $55
• Young drivers: Erie Insurance offers the best value at $67 monthly, while Auto-Owners comes in at $87

Young drivers can slash costs through GEICO's Good Student Discount, saving up to 15% with a B average or higher. The Family Pricing program also helps when moving out while keeping family policy benefits.

If you recently had a violation, now is the best time to shop for lower rates. Here are your cheapest car insurance options in Rockford by violation type:

• Accident: GEICO at $46 and Auto-Owners at $46 monthly
• Ticket: Erie Insurance at $37 and GEICO at $39 monthly
• DUI: GEICO at $65 and Travelers at $69 monthly

Minor violations in Illinois remain on your record for four to five years, but rates decrease after three years.

Your neighborhood in Rockford directly impacts what you'll pay for car insurance coverage. ZIP code 61103 has the highest full coverage rates at $114 monthly, while areas like 61102 and 61107 offer the most affordable options at $99 monthly.

Auto-Owners earned 93 out of 100 on MoneyGeek's rating scale, establishing it as Rockford's top car insurance provider. Geico follows with a score of 91 out of 100, making both companies excellent choices for local drivers.

Auto-Owners has strong agent network ratings, favorable complaint data from the National Association of Insurance Commissioners and positive multi-platform customer reviews that demonstrate superior claims handling and policyholder support.

Geico takes the lead in affordability while maintaining solid customer service standards. Auto-Owners also ranks second for affordability and excels in coverage options.

See below for why each insurer excels and which suits your needs.

Rockford drivers have high car insurance costs throughout Illinois. Shop around, secure better rates and select the right coverage:

Our insurance experts provide answers to common questions about finding affordable coverage in Rockford:

We analyzed hundreds of thousands of quotes from major insurers using data from the Illinois Department of Insurance and Quadrant Information Services. Our research covered all Rockford ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Illinois's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing winter weather claims or handling theft reports in high-crime areas.

Coverage options (10%): More choices mean better odds of matching coverage to Rockford risks like flood damage from the Rock River, uninsured motorists and theft in high-risk neighborhoods.