In Rockford, GEICO offers the lowest car insurance rates, with annual premiums of $375 for minimum coverage and $830 for full coverage. Erie Insurance, Auto-Owners and Travelers also provide affordable coverage options in the city.
Car Insurance in Rockford
Updated: August 29, 2025
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Key Takeaways
Rockford's cheapest car insurance companies are GEICO, Auto-Owners and Erie Insurance, with savings up to 36% compared to the city average.
Monthly car insurance costs in Rockford average $103 for full coverage and $52 for minimum coverage.
To find the best cheap auto insurance in Rockford, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Rockford?
| GEICO | $31 | $69 | -36% |
| Auto-Owners | $35 | $78 | -28% |
| Erie Insurance | $34 | $100 | -15% |
| Travelers | $50 | $88 | -12% |
| AAA | $58 | $97 | -2% |
Cheapest Rockford Car Insurance by Category
Auto-Owners offers the cheapest rates in four driver categories in Rockford. GEICO wins for adult, senior and newer-car drivers, while Travelers leads for DUI coverage and COUNTRY Financial for drivers with bad credit.
| Young Drivers | Auto-Owners | $87 |
| Adult Drivers | GEICO | $31 |
| Senior Drivers | GEICO | $37 |
| Drivers With an Accident | Auto-Owners | $47 |
| Drivers With a DUI | Travelers | $69 |
| Drivers With a Speeding Ticket | Auto-Owners | $40 |
| Drivers With Bad Credit | COUNTRY Financial | $104 |
| Drivers With Newer Cars | GEICO | $37 |
| Drivers With Old Cars | Auto-Owners | $26 |
Compare the Cheapest Rockford Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details. Find your profile in the table below to see which companies offer the lowest rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $31 | $375 | -41% |
| Erie Insurance | $34 | $412 | -36% |
| Auto Owners | $35 | $418 | -35% |
| Travelers | $50 | $599 | -6% |
| Country Financial | $55 | $662 | 3% |
Best Car Insurance Companies in Rockford
The top car insurance companies in Rockford are Auto-Owners, GEICO, Erie Insurance and Travelers. These insurers excel in providing affordable rates, quality customer service and comprehensive coverage options.
| Auto-Owners | 93 | 2 | 1 | 6 |
| GEICO | 91 | 1 | 6 | 7 |
| Erie Insurance | 90 | 3 | 2 | 3 |
| Travelers | 88 | 4 | 3 | 5 |
| Farmers | 79 | 7 | 9 | 1 |
Auto-Owners: Best for Customer Service
pros
Top-rated customer experience
Multiple driver category wins
Strong local agent network
cons
Limited coverage options
Higher rates for some drivers
COMPANY HIGHLIGHTS
Auto-Owners stands out as Rockford's top-rated car insurance provider thanks to exceptional customer service. Local agents provide personalized support that earned the company the highest customer satisfaction rating in the city. The company offers the most affordable rates for young drivers, those with accidents, and drivers with older cars. While coverage options are somewhat limited, Auto-Owners delivers reliable service backed by strong financial stability.
GEICO: Best for Affordable Coverage
pros
Lowest rates in Rockford
Easy online quote process
Multiple driver discounts
cons
Fewer coverage options
Lower customer service scores
COMPANY HIGHLIGHTS
GEICO offers Rockford's most affordable car insurance rates across several driver categories. It provides the best rates for adult drivers, seniors, and those with newer vehicles. The company's streamlined online platform makes it easy to get quotes and manage policies. While GEICO has fewer coverage options than some competitors, its combination of low rates and efficient service makes it an excellent choice for budget-conscious drivers.
How Much Is Car Insurance in Rockford?
In Rockford, minimum coverage costs about $52 per month or $628 per year, ranking 1,074th out of all Illinois cities for affordability. Full coverage averages $103 monthly or $1,232 annually, ranking 993rd among Illinois cities.
| Full Coverage | $103 | $1,232 |
| Minimum Coverage | $52 | $628 |
Rockford Car Insurance Cost by Category
Coverage rates in Rockford range from $49 to $303 per month based on general driving categories. Below, you can review average rates in your category.
| Young Drivers | $135 | $260 |
| Adult Drivers | $52 | $103 |
| Senior Drivers | $74 | $136 |
| Drivers With an Accident | $79 | $155 |
| Drivers With a DUI | $98 | $188 |
| Drivers With a Speeding Ticket | $66 | $131 |
| Drivers With Bad Credit | $139 | $303 |
| Drivers With Newer Cars | $66 | $129 |
| Drivers With Old Cars | $49 | $95 |
Rockford Car Insurance Costs by ZIP Code
In Rockford, car insurance rates by ZIP code range from $49 to $114 per month. ZIP code 61103 is the most expensive, while 61102 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:61102
| 61102 | $49 | $99 |
Compare Personalized Rockford Car Insurance Costs
Find your best rate match by filtering the table below, which combines age, driving history and other personal factors that affect your Rockford car insurance costs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $56 | $668 | 6% |
How to Get the Best Cheap Rockford Car Insurance
Finding affordable car insurance in Rockford can be challenging with the area's high rates and complex coverage options. Our step-by-step guide shows you proven ways to lower your premiums while maintaining the right protection for your needs.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to understand your requirements. Consider your car's value, your assets, and your risk tolerance when making this decision.
- 2
Explore different coverage types
Look into various types of car insurance that could save you money. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? Non-owner coverage might be your best option.
- 3
Know what others are paying
Research average vehicle insurance costs in Rockford to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying for coverage. Compare rates across different companies to find the best value.
- 4
Stack up available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts to maximize your savings.
- 5
Check company ratings and reviews
Research insurance companies' customer service records and financial strength ratings. Look for insurers with strong claims-handling reputations and positive customer feedback in the Rockford area. This helps ensure reliable coverage when you need it most.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of online tools, local agents and direct carrier websites to compare rates. Each company uses different factors to set prices, so comparing multiple quotes helps find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new rates. Your circumstances and insurance needs can change, and new discounts may become available. Regular policy reviews ensure you maintain the best combination of coverage and cost.
Cheapest Car Insurance in Rockford: Bottom Line
Car insurance rates in Rockford depend on your driving record, credit score and coverage needs. GEICO and Auto-Owners offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Rockford Car Insurance: FAQ
We answer your questions about finding cheap car insurance in Rockford based on our analysis of local rates and coverage options. Our research helps you get affordable protection that fits your needs.
What is the cheapest car insurance company in Rockford, Illinois?
GEICO offers the lowest rates in Rockford, with average annual premiums of $375 for minimum coverage and $830 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Rockford?
Auto-Owners leads Rockford's car insurance market with a MoneyGeek score of 93 out of 100, scoring 2 points above GEICO. The company delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Rockford?
In Rockford, drivers pay $1,232 per year for full coverage and $628 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Is car insurance in Rockford expensive?
Car insurance in Rockford is more expensive than average, ranking 1,074th for minimum coverage affordability and 993rd for full coverage compared to other Illinois cities.
How We Chose the Best and Cheapest Car Insurance in Rockford, IL
To help Rockford drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Illinois Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Illinois to tailor options as closely as possible to you.
Rockford Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Rockford
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Illinois are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
