Cheapest + BestCar InsuranceRockfordCheapest and Best Car Insurance Companies in Rockford, IL
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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.
Cheapest + BestCar InsuranceRockfordCheapest and Best Car Insurance in Rockford, IL
Cheapest Overall - Country Financial
Cheapest Full Coverage - Country Financial
Cheapest After Driving Offense - Auto-Owners Insurance
Cheapest for Teens - State Farm
Cheapest for Military - Country Financial
Best Overall - Country Financial
Best for Customer Service - Erie
Best Cheap - Country Financial
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.
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.
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.
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.
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.
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?
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.
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?
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.
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?
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.
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
