Compare Rates and Save on Auto Insurance

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The cheapest insurer in Rockford will depend on your needs and driver profile. Country Financial is the cheapest for minimum and full coverage and military-affiliated drivers. Auto-Owners Insurance is the most affordable after a speeding ticket, while American Family has the best rates after a DUI or an accident. State Farm offers the cheapest policies for female teens, and Erie has the best customer service.

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2023

Cheapest and Best Car Insurance in Rockford, IL

Cheapest Minimum Liability Car Insurance in Rockford

MoneyGeek ranked 14 insurers in Rockford to help drivers find the most affordable premiums. Based on our study, the cheapest car insurance companies for a minimum coverage policy are:

  • Country Financial: $251 per year
  • Mercury: $258 per year

Minimum car insurance in Rockford can cost as much as $530 per year from the most expensive company, Grange Insurance. Mercury also offers the cheapest auto insurance in Illinois at a statewide rate of $241 as of October 2022, slightly lower than its average Rockford rate.

Company
Annual Premium
Monthly Premium

Country Financial

$249

$21

Country Financial

$251

$21

Mercury

$258

$21

Mercury

$261

$22

Auto-Owners Insurance Co

$315

$26

Westfield

$319

$27

Erie

$324

$27

State Farm

$325

$27

Auto-Owners Insurance Co

$326

$27

Erie

$327

$27

State Farm

$343

$29

Country Financial

$344

$29

Westfield

$349

$29

GEICO

$349

$29

GEICO

$352

$29

Hanover

$354

$30

Hanover

$361

$30

Mercury

$367

$31

Westfield

$371

$31

AAA

$391

$33

Auto-Owners Insurance Co

$403

$34

State Farm

$414

$34

AAA

$414

$34

Erie

$416

$35

GEICO

$417

$35

American Family

$422

$35

American Family

$424

$35

Hanover

$457

$38

American Family

$459

$38

Progressive

$459

$38

Allstate

$480

$40

Progressive

$485

$40

Travelers

$486

$41

Allstate

$488

$41

Progressive

$512

$43

AAA

$513

$43

Travelers

$515

$43

Grange Insurance

$530

$44

Travelers

$544

$45

Country Financial

$564

$47

Grange Insurance

$575

$48

Country Financial

$603

$50

Allstate

$611

$51

Grange Insurance

$669

$56

Auto-Owners Insurance Co

$672

$56

American Family

$688

$57

GEICO

$689

$57

Auto-Owners Insurance Co

$693

$58

American Family

$702

$59

State Farm

$728

$61

GEICO

$751

$63

American Family

$754

$63

Mercury

$764

$64

Erie

$768

$64

Erie

$777

$65

State Farm

$789

$66

Country Financial

$798

$66

Mercury

$814

$68

AAA

$847

$71

Westfield

$852

$71

Westfield

$877

$73

Progressive

$902

$75

Progressive

$907

$76

Travelers

$909

$76

Travelers

$914

$76

AAA

$915

$76

GEICO

$916

$76

Auto-Owners Insurance Co

$929

$77

Allstate

$930

$78

Allstate

$962

$80

Erie

$988

$82

State Farm

$999

$83

Travelers

$1,058

$88

Hanover

$1,067

$89

Progressive

$1,082

$90

Grange Insurance

$1,111

$93

Grange Insurance

$1,113

$93

Mercury

$1,125

$94

Westfield

$1,126

$94

Hanover

$1,145

$95

AAA

$1,152

$96

Allstate

$1,174

$98

Grange Insurance

$1,365

$114

Hanover

$1,486

$124

At a minimum, Rockford drivers must carry insurance with bodily injury liability, property damage liability and uninsured motorist coverage as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Liability coverage protects Rockford drivers from financial loss if they are found responsible for damaging property or injuring another motorist. Insurers will cover legal fees, medical bills and property repairs up to the limit indicated in the coverage.

Cheapest Full Coverage Car Insurance in Rockford

The following companies offer the cheapest full coverage car insurance in Rockford:

  • Country Financial: $603 per year
  • Auto-Owners Insurance: $693 per year

Meanwhile, Hanover charges the most expensive premiums at $1,145 per year. With such rate differences, it is important to explore your options if you want to save on car insurance premiums in Rockford.

American Family offers the cheapest full coverage auto insurance in Illinois, with a statewide average rate of $636 per year as of October 2022. This rate is slightly higher than the lowest premium in Rockford, illustrating how location can affect insurance costs.

Company
Annual Premium
Monthly Premium

Country Financial

$249

$21

Country Financial

$251

$21

Mercury

$258

$21

Mercury

$261

$22

Auto-Owners Insurance Co

$315

$26

Westfield

$319

$27

Erie

$324

$27

State Farm

$325

$27

Auto-Owners Insurance Co

$326

$27

Erie

$327

$27

State Farm

$343

$29

Country Financial

$344

$29

Westfield

$349

$29

GEICO

$349

$29

GEICO

$352

$29

Hanover

$354

$30

Hanover

$361

$30

Mercury

$367

$31

Westfield

$371

$31

AAA

$391

$33

Auto-Owners Insurance Co

$403

$34

State Farm

$414

$34

AAA

$414

$34

Erie

$416

$35

GEICO

$417

$35

American Family

$422

$35

American Family

$424

$35

Hanover

$457

$38

American Family

$459

$38

Progressive

$459

$38

Allstate

$480

$40

Progressive

$485

$40

Travelers

$486

$41

Allstate

$488

$41

Progressive

$512

$43

AAA

$513

$43

Travelers

$515

$43

Grange Insurance

$530

$44

Travelers

$544

$45

Country Financial

$564

$47

Grange Insurance

$575

$48

Country Financial

$603

$50

Allstate

$611

$51

Grange Insurance

$669

$56

Auto-Owners Insurance Co

$672

$56

American Family

$688

$57

GEICO

$689

$57

Auto-Owners Insurance Co

$693

$58

American Family

$702

$59

State Farm

$728

$61

GEICO

$751

$63

American Family

$754

$63

Mercury

$764

$64

Erie

$768

$64

Erie

$777

$65

State Farm

$789

$66

Country Financial

$798

$66

Mercury

$814

$68

AAA

$847

$71

Westfield

$852

$71

Westfield

$877

$73

Progressive

$902

$75

Progressive

$907

$76

Travelers

$909

$76

Travelers

$914

$76

AAA

$915

$76

GEICO

$916

$76

Auto-Owners Insurance Co

$929

$77

Allstate

$930

$78

Allstate

$962

$80

Erie

$988

$82

State Farm

$999

$83

Travelers

$1,058

$88

Hanover

$1,067

$89

Progressive

$1,082

$90

Grange Insurance

$1,111

$93

Grange Insurance

$1,113

$93

Mercury

$1,125

$94

Westfield

$1,126

$94

Hanover

$1,145

$95

AAA

$1,152

$96

Allstate

$1,174

$98

Grange Insurance

$1,365

$114

Hanover

$1,486

$124

A full coverage policy adds comprehensive and collision insurance to liability coverage.

  • Collision Insurance: Covers the cost to repair or replace your vehicle if it’s damaged in a collision with another car or object.
  • Comprehensive Insurance: Covers the cost of repairing or replacing your car when it's damaged in a non-collision event like theft, vandalism, fire, flooding or falling objects.

Generally, a full coverage policy is a better choice for new vehicle owners. In contrast, full coverage may not be cost-effective for older, low-value vehicles whose value is less than the cost of the insurance.

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Cheapest Car Insurance in Rockford After a Driving Offense

The cheapest car insurance companies in Rockford for drivers with violations are:

  • Speeding ticket: Auto-Owners Insurance ($774 per year)
  • At-fault accident: American Family ($826 per year)
  • DUI: American Family ($839 per year)

Driving violations indicate a higher-risk driver likely to make future claims, so insurance companies increase their rates. Even the cheapest companies will charge drivers with violations higher premiums than those for drivers with clean records.

Company
Annual Premium
Monthly Premium

Country Financial

$335

$28

Country Financial

$338

$28

Hanover

$354

$30

Erie

$357

$30

Auto-Owners Insurance Co

$359

$30

Hanover

$361

$30

Erie

$361

$30

State Farm

$362

$30

State Farm

$362

$30

Auto-Owners Insurance Co

$371

$31

Westfield

$378

$32

Mercury

$379

$32

State Farm

$383

$32

State Farm

$383

$32

Mercury

$389

$32

State Farm

$395

$33

Country Financial

$412

$34

Westfield

$415

$35

GEICO

$415

$35

State Farm

$419

$35

Country Financial

$420

$35

Country Financial

$422

$35

Auto-Owners Insurance Co

$424

$35

Country Financial

$428

$36

Mercury

$431

$36

Auto-Owners Insurance Co

$437

$36

Westfield

$441

$37

Hanover

$457

$38

Auto-Owners Insurance Co

$460

$38

Erie

$460

$38

State Farm

$462

$38

State Farm

$462

$38

Erie

$462

$39

Country Financial

$465

$39

Erie

$469

$39

Mercury

$469

$39

American Family

$481

$40

American Family

$486

$40

GEICO

$486

$41

Progressive

$488

$41

American Family

$492

$41

American Family

$492

$41

American Family

$496

$41

American Family

$496

$41

Mercury

$498

$42

GEICO

$499

$42

Westfield

$501

$42

AAA

$503

$42

State Farm

$506

$42

Mercury

$508

$42

GEICO

$512

$43

American Family

$522

$43

Westfield

$532

$44

American Family

$532

$44

American Family

$532

$44

AAA

$536

$45

Progressive

$540

$45

Progressive

$543

$45

Auto-Owners Insurance Co

$547

$46

Country Financial

$549

$46

Mercury

$550

$46

Progressive

$552

$46

Westfield

$553

$46

Erie

$566

$47

Hanover

$567

$47

Hanover

$570

$48

Erie

$575

$48

AAA

$578

$48

Country Financial

$582

$48

GEICO

$592

$49

Erie

$598

$50

Hanover

$608

$51

Progressive

$610

$51

Hanover

$610

$51

Progressive

$613

$51

AAA

$616

$51

GEICO

$638

$53

Progressive

$650

$54

Travelers

$658

$55

Allstate

$662

$55

AAA

$664

$55

Auto-Owners Insurance Co

$674

$56

Allstate

$675

$56

Mercury

$686

$57

Travelers

$687

$57

Auto-Owners Insurance Co

$689

$57

Mercury

$692

$58

Travelers

$694

$58

Hanover

$699

$58

Progressive

$721

$60

Progressive

$722

$60

Travelers

$723

$60

Erie

$735

$61

Country Financial

$743

$62

GEICO

$750

$63

Auto-Owners Insurance Co

$753

$63

Hanover

$753

$63

Travelers

$759

$63

AAA

$767

$64

Travelers

$774

$64

Auto-Owners Insurance Co

$774

$65

Country Financial

$794

$66

Grange Insurance

$802

$67

State Farm

$803

$67

State Farm

$803

$67

Travelers

$804

$67

AAA

$805

$67

Travelers

$807

$67

American Family

$812

$68

GEICO

$815

$68

American Family

$824

$69

American Family

$824

$69

American Family

$826

$69

Grange Insurance

$833

$69

American Family

$839

$70

American Family

$839

$70

Allstate

$839

$70

Allstate

$847

$71

Erie

$847

$71

Allstate

$848

$71

Allstate

$854

$71

AAA

$855

$71

Erie

$857

$71

Allstate

$865

$72

State Farm

$869

$72

State Farm

$869

$72

State Farm

$872

$73

Grange Insurance

$874

$73

Auto-Owners Insurance Co

$876

$73

Auto-Owners Insurance Co

$876

$73

Country Financial

$883

$74

Country Financial

$883

$74

American Family

$888

$74

Grange Insurance

$895

$75

Travelers

$899

$75

American Family

$900

$75

American Family

$900

$75

Auto-Owners Insurance Co

$900

$75

Grange Insurance

$904

$75

Country Financial

$905

$75

GEICO

$913

$76

Westfield

$918

$77

Country Financial

$938

$78

State Farm

$943

$79

Westfield

$949

$79

Grange Insurance

$962

$80

Westfield

$970

$81

Grange Insurance

$976

$81

GEICO

$995

$83

Progressive

$1,005

$84

Westfield

$1,013

$84

Westfield

$1,043

$87

Auto-Owners Insurance Co

$1,044

$87

Grange Insurance

$1,047

$87

Country Financial

$1,060

$88

Erie

$1,060

$88

Progressive

$1,064

$89

Hanover

$1,067

$89

AAA

$1,068

$89

Erie

$1,074

$90

Allstate

$1,077

$90

AAA

$1,081

$90

GEICO

$1,084

$90

Allstate

$1,088

$91

GEICO

$1,088

$91

Erie

$1,093

$91

State Farm

$1,103

$92

State Farm

$1,103

$92

GEICO

$1,103

$92

Grange Insurance

$1,128

$94

Hanover

$1,145

$95

Mercury

$1,149

$96

AAA

$1,154

$96

AAA

$1,174

$98

Progressive

$1,190

$99

Progressive

$1,193

$99

Mercury

$1,194

$100

Country Financial

$1,195

$100

State Farm

$1,199

$100

Mercury

$1,213

$101

Auto-Owners Insurance Co

$1,220

$102

Westfield

$1,224

$102

Westfield

$1,249

$104

Allstate

$1,250

$104

Country Financial

$1,262

$105

Travelers

$1,263

$105

Progressive

$1,266

$105

AAA

$1,266

$106

Erie

$1,272

$106

Allstate

$1,291

$108

Erie

$1,291

$108

GEICO

$1,311

$109

Travelers

$1,319

$110

Mercury

$1,331

$111

GEICO

$1,339

$112

Westfield

$1,342

$112

Auto-Owners Insurance Co

$1,342

$112

Travelers

$1,366

$114

Erie

$1,372

$114

Travelers

$1,374

$115

Auto-Owners Insurance Co

$1,375

$115

Progressive

$1,391

$116

Progressive

$1,418

$118

Travelers

$1,427

$119

Travelers

$1,440

$120

AAA

$1,453

$121

Travelers

$1,469

$122

Mercury

$1,486

$124

Hanover

$1,486

$124

Westfield

$1,498

$125

Progressive

$1,505

$125

Allstate

$1,523

$127

Mercury

$1,550

$129

AAA

$1,557

$130

Allstate

$1,569

$131

Travelers

$1,585

$132

Allstate

$1,585

$132

Allstate

$1,591

$133

AAA

$1,593

$133

Grange Insurance

$1,600

$133

Travelers

$1,607

$134

Grange Insurance

$1,614

$135

GEICO

$1,619

$135

Allstate

$1,643

$137

Progressive

$1,646

$137

Erie

$1,649

$137

AAA

$1,672

$139

Mercury

$1,673

$139

Grange Insurance

$1,688

$141

Grange Insurance

$1,690

$141

Hanover

$1,710

$143

Hanover

$1,781

$148

GEICO

$1,830

$153

Hanover

$1,837

$153

Auto-Owners Insurance Co

$1,885

$157

Grange Insurance

$1,896

$158

Hanover

$1,910

$159

Grange Insurance

$1,911

$159

Grange Insurance

$1,915

$160

Mercury

$1,923

$160

Allstate

$1,938

$162

Allstate

$2,025

$169

GEICO

$2,043

$170

Grange Insurance

$2,072

$173

Westfield

$2,075

$173

Mercury

$2,083

$174

Westfield

$2,099

$175

AAA

$2,143

$179

Hanover

$2,272

$189

Westfield

$2,349

$196

Grange Insurance

$2,350

$196

Hanover

$2,428

$202

Insurance rates increase relative to the severity of the driving violation. Rates in Rockford will increase by $245 after a speeding ticket and by $617 after a DIU. Rockford drivers may need to shop around for the cheapest car insurance with a bad driving record.

Cheapest Car Insurance in Rockford for Teens and Their Families

The cheapest car insurance for families who want to add teen drivers to their policies in Rockford are:

  • State Farm: $1,881 per year for female teens; Auto-Owners: $2,043 per year for male teens
  • Progressive: $1,963 per year for female teens and $2,113 for male teens

Allstate has the priciest policies for female teens at $2,202 per year and Travelers for male teens at $2,652 per year. Male teen drivers generally pay higher premiums due to their higher perceived risk. The gender rate difference tapers off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$885

$1,590

State Farm

$963

$1,636

Travelers

$971

$1,672

Travelers

$1,015

$1,824

Travelers

$1,018

$2,014

Auto-Owners Insurance Co

$1,043

$2,505

Travelers

$1,050

$1,887

Auto-Owners Insurance Co

$1,073

$2,471

State Farm

$1,098

$1,865

Auto-Owners Insurance Co

$1,103

$2,649

GEICO

$1,106

$2,145

State Farm

$1,118

$1,855

GEICO

$1,125

$2,864

Travelers

$1,128

$1,942

GEICO

$1,136

$1,845

Auto-Owners Insurance Co

$1,149

$3,050

State Farm

$1,150

$2,269

GEICO

$1,152

$2,571

Auto-Owners Insurance Co

$1,152

$2,654

GEICO

$1,153

$2,237

Allstate

$1,154

$2,098

Allstate

$1,154

$2,098

Travelers

$1,158

$2,205

Travelers

$1,166

$2,322

GEICO

$1,167

$1,895

Auto-Owners Insurance Co

$1,180

$2,835

State Farm

$1,201

$2,040

GEICO

$1,207

$2,603

Travelers

$1,215

$2,093

Allstate

$1,219

$2,743

Allstate

$1,219

$2,743

Allstate

$1,219

$2,216

Allstate

$1,219

$2,216

GEICO

$1,226

$2,378

State Farm

$1,230

$2,467

Auto-Owners Insurance Co

$1,230

$3,277

GEICO

$1,251

$2,337

Allstate

$1,258

$2,489

Allstate

$1,258

$2,489

Auto-Owners Insurance Co

$1,259

$3,690

GEICO

$1,262

$2,049

Auto-Owners Insurance Co

$1,274

$2,936

Allstate

$1,290

$2,345

Allstate

$1,290

$2,345

Travelers

$1,291

$3,833

State Farm

$1,293

$2,147

Auto-Owners Insurance Co

$1,294

$3,269

Progressive

$1,299

$1,660

Progressive

$1,357

$2,508

State Farm

$1,366

$2,697

Travelers

$1,368

$2,604

Travelers

$1,369

$2,601

Travelers

$1,376

$3,048

GEICO

$1,416

$4,262

Auto-Owners Insurance Co

$1,418

$3,584

State Farm

$1,419

$3,222

State Farm

$1,420

$2,850

Progressive

$1,423

$1,724

Auto-Owners Insurance Co

$1,424

$3,943

State Farm

$1,430

$2,374

Progressive

$1,439

$2,693

GEICO

$1,449

$3,690

Auto-Owners Insurance Co

$1,463

$4,290

Auto-Owners Insurance Co

$1,470

$4,950

Allstate

$1,484

$3,907

Allstate

$1,484

$3,907

GEICO

$1,496

$3,338

Allstate

$1,498

$3,372

Allstate

$1,498

$3,372

GEICO

$1,512

$4,210

State Farm

$1,524

$3,006

Progressive

$1,531

$1,955

Progressive

$1,592

$1,928

Progressive

$1,592

$2,390

Travelers

$1,607

$4,778

Travelers

$1,610

$4,783

Allstate

$1,611

$4,582

Allstate

$1,611

$4,582

GEICO

$1,626

$7,742

Progressive

$1,630

$5,123

State Farm

$1,635

$3,705

Travelers

$1,646

$3,127

Progressive

$1,649

$3,468

Travelers

$1,659

$3,730

Progressive

$1,664

$2,342

Progressive

$1,668

$2,131

Progressive

$1,708

$2,070

Progressive

$1,715

$3,170

Progressive

$1,778

$5,721

State Farm

$1,797

$4,073

State Farm

$1,801

$3,551

Progressive

$1,815

$3,907

Auto-Owners Insurance Co

$1,818

$5,762

GEICO

$1,831

$7,870

Auto-Owners Insurance Co

$1,852

$4,399

GEICO

$1,866

$8,884

State Farm

$1,872

$4,244

State Farm

$1,881

$4,844

Progressive

$1,911

$6,007

Progressive

$1,919

$3,592

Progressive

$1,963

$7,384

Auto-Owners Insurance Co

$1,995

$4,738

Auto-Owners Insurance Co

$1,995

$5,079

Travelers

$2,041

$6,069

Auto-Owners Insurance Co

$2,042

$6,471

Auto-Owners Insurance Co

$2,043

$7,189

Progressive

$2,052

$6,602

GEICO

$2,068

$8,891

Travelers

$2,072

$9,849

State Farm

$2,084

$4,669

Progressive

$2,113

$8,067

GEICO

$2,123

$13,694

Allstate

$2,169

$6,167

Allstate

$2,169

$6,167

Allstate

$2,202

$8,038

Allstate

$2,202

$8,038

GEICO

$2,320

$13,158

State Farm

$2,388

$5,351

State Farm

$2,400

$6,109

Travelers

$2,652

$12,811

In Rockland, adding a teen to a family policy is cheaper than purchasing a separate policy. It costs an average of $2,565 per year to add a 16-year-old male driver to a family policy but $5,131 per year to purchase an individual policy for them. This is a cost difference of $2,567 per year. Shopping around for cheap car insurance for teens is another way to save.

Cheapest Car Insurance in Rockford for Military Drivers

Military drivers can save the most on car insurance by purchasing a policy from the following insurers:

  • Country Financial: $603 per year
  • Auto-Owners Insurance: $693 per year

USAA auto insurance is another excellent option with coverages and discounts tailored to military drivers. In Rockford, premiums from this insurer cost $951 per year. Finding cheap military car insurance by comparing insurers in your city could save you hundreds of dollars per policy year.

Company
Annual Premium
Monthly Premium

Country Financial

$249

$21

Country Financial

$251

$21

Mercury

$258

$21

Mercury

$261

$22

Auto-Owners Insurance Co

$315

$26

Westfield

$319

$27

Erie

$324

$27

State Farm

$325

$27

Auto-Owners Insurance Co

$326

$27

Erie

$327

$27

State Farm

$343

$29

Country Financial

$344

$29

Westfield

$349

$29

GEICO

$349

$29

GEICO

$352

$29

Hanover

$354

$30

Hanover

$361

$30

Mercury

$367

$31

Westfield

$371

$31

AAA

$391

$33

Auto-Owners Insurance Co

$403

$34

State Farm

$414

$34

AAA

$414

$34

Erie

$416

$35

GEICO

$417

$35

American Family

$422

$35

American Family

$424

$35

Hanover

$457

$38

American Family

$459

$38

Progressive

$459

$38

USAA

$463

$39

USAA

$466

$39

Allstate

$480

$40

Progressive

$485

$40

Travelers

$486

$41

Allstate

$488

$41

Progressive

$512

$43

AAA

$513

$43

Travelers

$515

$43

Grange Insurance

$530

$44

Travelers

$544

$45

Country Financial

$564

$47

Grange Insurance

$575

$48

USAA

$582

$48

Country Financial

$603

$50

Allstate

$611

$51

Grange Insurance

$669

$56

Auto-Owners Insurance Co

$672

$56

American Family

$688

$57

GEICO

$689

$57

Auto-Owners Insurance Co

$693

$58

American Family

$702

$59

State Farm

$728

$61

GEICO

$751

$63

American Family

$754

$63

Mercury

$764

$64

Erie

$768

$64

Erie

$777

$65

State Farm

$789

$66

Country Financial

$798

$66

Mercury

$814

$68

AAA

$847

$71

Westfield

$852

$71

Westfield

$877

$73

Progressive

$902

$75

Progressive

$907

$76

Travelers

$909

$76

Travelers

$914

$76

AAA

$915

$76

GEICO

$916

$76

USAA

$917

$76

Auto-Owners Insurance Co

$929

$77

Allstate

$930

$78

USAA

$951

$79

Allstate

$962

$80

Erie

$988

$82

State Farm

$999

$83

Travelers

$1,058

$88

Hanover

$1,067

$89

Progressive

$1,082

$90

Grange Insurance

$1,111

$93

Grange Insurance

$1,113

$93

Mercury

$1,125

$94

Westfield

$1,126

$94

Hanover

$1,145

$95

AAA

$1,152

$96

Allstate

$1,174

$98

USAA

$1,237

$103

Grange Insurance

$1,365

$114

Hanover

$1,486

$124

How to Compare Cheap Rockford Car Insurance Quotes Online

Getting a car insurance quote online can take more than 15 minutes per insurer and requires that drivers divulge personal information. MoneyGeek’s insurance calculator can give you a quick premium estimate using just your age, vehicle type, coverage level and driving record.

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Best Car Insurance in Rockford: Summary

MoneyGeek found the best companies for different types of drivers in Rockford, Illinois. Take note that a company’s overall score can vary depending on how we rank the criteria for each category.

  • Best overall: Country Financial (MoneyGeek score of 81 out of 100)
  • Best for service: Erie (MoneyGeek score of 70 out of 100)
  • Best cheap: Country Financial (MoneyGeek score of 82 out of 100)

Location matters and determines which company is best or cheapest for a particular driver. For example, the best auto insurance in Illinois is from Erie. However, in Rockford, the best auto insurance company is Country Financial.

Best Overall Car Insurance in Rockford

For the average 40-year-old driver with a clean record in Rockford, the best auto insurance companies are:

  • Country Financial: MoneyGeek score of 81 out of 100 ($603 per year)
  • Auto-Owners Insurance: MoneyGeek score of 77 out of 100 ($693 per year)

Country Financial earned the highest satisfaction score, while Auto-Owners Insurance consistently scored average in the claims management, coverage and satisfaction categories. These two companies are also the cheapest among the 14 insurers we reviewed for this city.

How was this MoneyGeek score calculated?

Country Financial

pros

Highest satisfaction score among insurers

Offers three of the four common coverages

Offers rare portable electronics and media and glass deductible modification coverage

cons

No OEM coverage

Below-average claims management

COMPANY HIGHLIGHTS

Country Financial scored 81 out of 100 — the highest among the 14 insurers MoneyGeek reviewed. An annual full coverage policy from Country Financial costs $603 on average.

The company offers coverage add-ons, such as new car replacement coverage that pays for a brand-new car of the same make and model if yours is totaled. This coverage applies to vehicles that are up to four model years old.

You can also get emergency roadside coverage, which reimburses you up to $100 for towing, delivery of fuel and repair parts and labor charges. Country Financial also offers vehicle rental and trip interruption coverage that reimburses you up to $800 for a rental car if your vehicle is not operational after a covered accident.

Country Financial has a rarely offered safety glass coverage that protects you from paying for windshield, windows or headlight repairs. With this coverage, you also don’t pay a deductible. Finally, the company’s personal effect coverage reimburses the cost of your phone or laptop if they are stolen from your vehicle up to $800.

Read MoneyGeek's Country Financial Auto Insurance Review

Best Car Insurance in Rockford for Customer Service

Customer service goes a long way in times of emergencies. The best companies in Rockford for drivers who prioritize customer service, regardless of cost, are:

  • Erie: MoneyGeek score of 70 out of 100 ($768 per year)
  • Westfield: MoneyGeek score of 68 out of 100 ($877 per year)

Erie earned the highest claims management score out of the 14 insurers we reviewed for this city, while Westfield earned the third highest. These two companies both have the highest satisfaction scores.

How was this MoneyGeek score calculated?

Erie

pros

Offers standard coverages

Scored the highest for customer satisfaction

Average claims management score

cons

Lacks unique coverages

COMPANY HIGHLIGHTS

Erie auto insurance earned a MoneyGeek score of 70 out of 100 for the best customer service category. Erie is still relatively affordable at an average of $768 per year, or approximately $64 monthly.

Compared to the cheapest insurer in the city, Country Financial ($603 per year), Erie offers the best service for just $165 more per year.

Rockland drivers can benefit from Erie’s auto security coverage, which replaces your car (under two years old) with a new one of the same make and model if it’s totaled. If your vehicle is older, you’ll get a model that’s two years newer. You can add full window glass coverage, which waives the deductible for repairs. Personal property insurance protects valuables in your car up to $350.

You can also save on Erie auto insurance through a variety of discounts. These include discounts for having factory-installed safety features like anti-lock brakes, passive restraints and anti-theft devices.

Read MoneyGeek's Erie Auto Insurance Review

Best Cheap Car Insurance in Rockford

Based on the analysis of affordability and service quality, the best cheap car insurance in Rockford is the one that meets the state minimum:

  • Country Financial: MoneyGeek score of 82 out of 100 ($251 per year)
  • Auto-Owners Insurance: MoneyGeek score of 75 out of 100 ($315 per year)

Country Financial has the highest satisfaction, and Auto-Owners consistently earned average scores on claims management, coverage and satisfaction categories.

Getting the minimum policy is a surefire way to save on premiums. However, minimum coverage policies offer the least liability protection and don’t cover damages to your car.

How was this MoneyGeek score calculated?

Country Financial

pros

Highest customer satisfaction score

Offers the cheapest premiums

cons

Poor claims management

Lacks many unique coverages

COMPANY HIGHLIGHTS

Country Financial scored 82 out of 100 — the highest among 14 insurers MoneyGeek reviewed for the best cheap category. On average, a minimum coverage policy from Country Financial costs $251 per year or $21 per month. The company scored the highest for customer satisfaction but below average for claims management.

You can purchase common coverages from Country Financial, including emergency roadside assistance that reimburses up to $100 for towing, delivery of fuel and repair parts and labor expenses. It also offers vehicle rental and trip interruption insurance, which pays up to $800 for a rental car if you cannot drive your vehicle due to a covered accident.

Country Financial’s new car replacement covers vehicles up to four model years old and provides funding for a brand-new vehicle of the same brand and model if yours is totaled.

Read MoneyGeek's Country Financial Auto Insurance Review

Average Cost of Car Insurance in Rockford

Knowing the average cost of insurance nationally and statewide will give you a better idea of where Rockford insurance premiums sit in terms of affordability.

The average cost of car insurance in Rockford is $803 per year as of October 2022. Based on the car insurance quotes we collected, Rockford is $91 cheaper than the average cost of insurance in Illinois at $894 per year. Meanwhile, the national average cost of car insurance is $1,265 per year and is $371, much more expensive than the state average.

These quotes are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.