bestauto insuranceRockfordCompare the Cheapest Car Insurance Quotes in Rockford, IL
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GEICO averages the most affordable car insurance in Rockford; it’s also the cheapest for minimum coverage or with a ticket. MoneyGeek found that Erie is the best insurer in Rockford if you want the best balance of quality service and affordability. However, for military families, USAA may be the top choice. Your profile and coverage needs determine your best choice.
bestauto insuranceRockfordThe Cheapest and Best Car Insurance in Rockford
Cheapest Overall - GEICO
Cheapest State Minimum - GEICO
Cheapest With a Driving Violation - State Farm
Best Overall - Erie
The Cheapest Car Insurance Companies in Rockford
On average, the cheapest companies for full coverage car insurance in Rockford are:
- GEICO: $533 per year
- Mercury: $604 per year
Compared to MetLife, the most expensive full coverage policy in Rockford at around $1,148 per year, GEICO is roughly 115% cheaper.
Full coverage auto policies include comprehensive and collision coverage. The rate for a full coverage policy may vary depending on the liability coverage purchased.
Cheapest Car Insurance in Rockford
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$533
- 2.$604
- 3.$680
- 4.$725
- 5.$749
MoneyGeek obtained average rates for a full coverage policy, as described in our methodology, for a 40-year-old male driver in Rockford.
A full coverage policy costs more compared to a minimum coverage policy because it includes liability and valuable added coverages that protect damage to your vehicle:
- Collision insurance: covers damage resulting from an at-fault collision
- Comprehensive insurance: covers non-collision-related damage and theft
With an older car, you may find that the cost of full coverage is higher than the vehicle’s value. In such a case, a liability-only or minimum coverage policy may be a better, cheaper option.
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Cheapest Car Insurance in Rockford for Minimum Coverage
A minimum coverage policy is the cheapest car insurance option in Rockford. On average, the cheapest insurers for minimum coverage in Rockford are:
- GEICO: $275 per year
- Mercury: $292 per year
For military members, USAA offers a minimum coverage policy in Rockford at around $356 annually.
MetLife is the most expensive option for minimum coverage in Rockford at roughly $703 yearly; $428 more than GEICO, the cheapest option.
A minimum coverage policy is affordable, but since it does not carry collision or comprehensive insurance and has low liability limits, you risk complete protection.
Toggle the table below to see how much higher liability coverage costs.
Cheapest Minimum Liability Car Insurance in Rockford
State Minimum
- CompanyState Minimumper year
- 1.$275
- 2.$292
- 3.$329
- 4.$334
- 5.$352
A state minimum policy in Rockford is the cheapest you can buy, but it only carries the minimum liability coverage mandated by Illinois, 25/50/20. You do save money but get limited protection and may have high out-of-pocket costs in an accident.
For instance, if your at-fault accident results in medical expenses that are higher than the $50,000 bodily injury limit per accident on your state minimum policy, you must pay the remainder.
Illinois Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Rockford if You Have Driving Violations
A driving violation, such as a ticket, DUI or at-fault accident, means you pay a higher rate for car insurance in Rockford. The most affordable insurers for Rockford drivers, on average, depending on the violation, are:
- Cheapest after a ticket: GEICO, $641 per year
- Cheapest after an at-fault accident: GEICO, $769 per year
- Cheapest after a DUI: State Farm, $745 per year
An effective way to get better car insurance rates in Rockford if you have a violation is to improve your driving record over time. It is also important to compare quotes now and find the cheapest insurance with a violation to get the best deal.
Cheapest Car Insurance in Rockford With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$641
- 2.$745
- 3.$789
- 4.$840
- 5.$889
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.
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 auto insurance rates regularly to determine if you qualify for discounts, rebates or other savings as your circumstances change.
Compare Car Insurance Rates in Rockford
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Rockford
MoneyGeek determined the best car insurance carriers in Rockford by using average premiums and ratings on customer satisfaction and claims.
Based on these factors, we found that the top-rated insurance providers in the city are:
- GEICO: MoneyGeek score of 95 out of 100
- State Farm: MoneyGeek score of 89 out of 100
USAA is also available in the city, but it was excluded from our analysis because only military members and their families can purchase its policies. USAA received a MoneyGeek score of 82 out of 100, making it the fifth-best insurer in Rockford, Illinois.
1
GEICO
Score:95
GEICO is MoneyGeek’s best car insurer in Rockford, receiving perfect scores on financial stability and affordability. Its full coverage policies are fairly priced at an average of $533 annually and offer a rare add-on, which is mechanical breakdown insurance.
More About GEICO
Mechanical breakdown insurance (MBI) pays you for the cost of damage or loss of parts and systems for a vehicle less than 15 months old with less than 15,000 miles. This coverage is cheaper and more comprehensive than the typical dealer extended warranty. GEICO’s other uncommon coverage is accident forgiveness which prevents your premiums from increasing after your first accident if you’re over 21 years old and have been accident-free for at least five years.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:89
Receiving high marks on measures of customer satisfaction and affordability, State Farm is MoneyGeek’s second pick in Rockford. A full coverage policy for the average 40-year-old costs $680 per year on average. State Farm’s most uncommon add-on is its rideshare insurance coverage.
More About State Farm
State Farm offers rideshare insurance at an added cost of 15%–25% of your premium. By purchasing rideshare insurance, the benefits that are included in your personal auto policy, such as medical, emergency roadside assistance and rental car reimbursement, remain in effect while you’re driving for a TNC. State Farm also offers two common add-ons, roadside assistance and rental car and/or travel reimbursement.
Read MoneyGeek's State Farm auto Insurance Review3
Erie
Score:83
4
Country Financial
Score:83
5
Mercury
Score:74
6
Nationwide
Score:69
7
Travelers
Score:61
8
Allstate
Score:54
9
Progressive
Score:53
10
American Family
Score:53
11
Farmers
Score:46
12
AAA
Score:32
13
MetLife
Score:31
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 CodeState 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.
About MoneyGeek Team
sources
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.