Compare the Cheapest Car Insurance Quotes in Rockford

Car insurance in Rockford costs $824 per year on average, less expensive than the state average. GEICO has an average rate of $533 per year, making it the cheapest option for most Rockford drivers. MoneyGeek analyzed the cheapest companies by coverage amount. If you value both affordability and service quality, MoneyGeek also evaluated the best companies in Rockford.

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The Cheapest and Best Car Insurance in Rockford

The Cheapest Car Insurance Companies in Rockford

For most Rockford drivers with a full coverage policy, the most affordable companies on average are:

  • GEICO: $533 per year
  • Mercury: $604 per year

When looking for the best car insurance, many drivers consider the cost of annual premiums. By shopping around, you can find the best rates for your personal needs. For many Rockford drivers, a MetLife policy costs almost twice as much as GEICO. It’s average rate is $1,148 per year.

All prices above are based on a 40-year-old male driver with a full coverage policy, which includes liability insurance, as well as comprehensive and collision insurance.

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Average Cost of Car Insurance in Rockford

Rockford$824
Illinois$1,134
U.S.$1,424

The average cost of car insurance in Rockford is $824, less expensive than the state and national annual averages.

For auto insurance, the state average annual premium is $1,134. That is 27.3% more than the city average. Rockford drivers also typically pay 42.1% cheaper rates compared to the national average of $1,424.

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The Best Car Insurance Companies in Rockford

For drivers looking for a balance of affordability and quality service, MoneyGeek determined the best companies. The top insurers in Rockford are:

  • Erie Insurance (MoneyGeek score of 95 out of 100)
  • The Hartford (MoneyGeek score of 87.5 out of 100)

USAA is the highest-scoring company overall, however MoneyGeek did not list it as best overall because it is only available to military members, veterans and their families.

To create our unique scoring system we used a variety of factors that includes J.D. Power’s user satisfaction, affordability and financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Erie
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
Hartford
Score:88

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Auto-Owners Insurance Co
Score:88

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
GEICO
Score:88

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Cincinnati Insurance Companies
Score:88

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

8
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

9
Nationwide
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Rockford

Getting personalized quotes based on individualized factors, such as age, ZIP code, car make and model, credit score and gender can help you find the best rates and coverage. Compare car insurance quotes regularly to determine if you qualify for discounts, rebates or other savings as your circumstances change.

Shopping around for car insurance in Rockford could save you $291, which is enough to buy:


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97Cups of Coffee
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22Months of Your Favorite Streaming Service

Cheapest Car Insurance in Rockford by Coverage Amount

An important factor affecting the price of your annual premium is the amount of coverage you buy. For many Rockford drivers, a policy only meeting the state minimums costs $438 per year on average. Meanwhile, a full coverage policy with higher liability costs an average of $824. That is a difference of $386.

Illinois Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

Of course, affordable car insurance is a good thing. However, it is important to ensure that the type of coverage you choose fits your needs. For instance, if you want the cheapest option, GEICO has an average rate of $275 annually for a policy meeting only the state minimums.

If you are looking for additional protection, then a 50/100/50 liability-only or full coverage policy may be right for you. That means you can get up to $50,000 for bodily injury per person, $100,000 for total injuries per accident and $50,000 for property damage. On average, a full coverage policy from GEICO costs $157 more than a liability-only policy.

Purchasing a full coverage policy with higher payout limits will provide more protection. GEICO has the cheapest average rate at $533.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Rockford if You Have Driving Violations

Generally, drivers with a clean driving record pay cheaper car insurance in Rockford. A moving violation, such as speeding tickets or a DUI, will increase your rates. For instance, a State Farm policy for drivers with no violations costs $680 on average. Having a speeding ticket or DUI will increase that by $65 or a total of $745. Meanwhile, a similar policy for a driver with an at-fault accident on record costs $811 on average.

Average Cost of Car Insurance by Postal Code

Your address will also play a role in determining auto insurance rates in Illinois. Each ZIP code has a different average rate due to differences in accident statistics, car theft incidents and the number of uninsured drivers.

In Rockford, the cheapest neighborhood is ZIP code 61107. The average rate for drivers living in that ZIP code is $821 per year. The average rate in the most expensive neighborhood, which is 61108, is $826, a difference of $5.

  • Zip Code
    State Minimumper year
  • 61107
    $821
  • 61108
    $826

Factors That Impact Insurance Costs in Rockford

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Rockford. How Rockford ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities120th/300
handcuffs2 icon
Most Car Thefts59th/300
uninsured icon
Most Uninsured Motorists by State18th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall141st/300
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Most Rainy Days78th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Rockford are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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