Cheap Auto Insurance Quotes in Rockford, IL (2021)

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Equidistant from both Chicago and Milwaukee, the city of Rockford is home to roughly 150,000 people. Featuring several bridges, a robust downtown area, and an international airport on its outskirts, Rockford can be busy at times. Couple these factors with inclement weather during winter months and you have the potential for traffic and accidents at any given time. Drivers in the area should make sure they have adequate insurance coverage in the event of a collision.

Car Insurance in Rockford, IL

The average cost of Illinois car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Rockford, IL to find you the cheapest quotes in the area.

$61
$79
$85
$102
$108
ProgressiveAllstateState FarmNationwideTravelers

Cheapest Car Insurance in Rockford

Here are the cheapest carriers in Rockford for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Rockford, IL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Rockford. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$131
$139
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$111
IllinoisChicagoAuroraJolietNapervilleRockford

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Rockford, IL Driving Facts

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Minimum Car Insurance Requirements in IL

Illinois drivers must keep a copy of their insurance card in their vehicle at all times.

If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.There are several important insurance requirements for minimum coverage for Illinois drivers:

  • Bodily injury coverage per person / per accident: $25,000 / %50,000
  • Property damage liability coverage:  $20,000
  • Uninsured motorist bodily injury: $20,000/$40,000
  • Uninsured motorist property damage: $15,000 with $250 deductible
  • Underinsured motorist coverage: $25,000/$50,000

Liabiltiy insurance coverage is non-negotable. You can, however, reject uninsured motorist coverage if you want to. You’ll need to do so in writing. Of course, we don’t recommend doing so, especially because an estimated 13.7% of Illinois drivers are uninsured. 

Other optional coverages for your auto policy include, of course, comprehensive and collision. Comprehenisve coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

Rockford Car Insurance Rates by Driver Age

At $290 per month, Rockford teens should be able to squirrel away enough money to pay the car insurance bills and still have a little spending money. Illinoisans get a lower monthly premium as they increase the number of years behind the wheel. Young adults in their 20s with a few years of experience see a $100 price cut compared to teens. The trend keeps heading down, with most spending below the state average of $180. Those in their 60s and 70s get an especially sweet deal, paying $190 less than the highest price.

Driving History
No Violation$144
Speeding Ticket$222
At-Fault Accident$241
Failure to Stop for Red Light / Stop Sign$225

Rockford Car Insurance Rates by Driving and Accident History

In the Prairie State, safe driving is doubly smart. First, the people on the road win due to smart defensive driving, and then they get “good driver” and “accident-free” discounts from the insurance company. But an at-fault accident could quickly spike the rate up by over $90. Even a speeding ticket torches a fantastic price, resulting in a $70 hike. There is light at the end of the tunnel because after three years, accidents and tickets stop affecting insurance premiums.

Rockford Car Insurance Rates by Credit Tier

Rockford residents wonder what Mastercard has to do with mastering their ability to drive. But Illinois, like most of the states, lets insurance companies use credit to set the rates. Generally, those with the worst credit pay the most for insurance. Why do people with poor credit pay less than those with average credit? People with better credit can finance costlier cars and buy more coverage to protect their assets. That said, moving from average to excellent credit saves $60 per month, or $720 per year.

Rockford, IL DMV Information

DMV services in Rockford are limited to one office only. It’s open on Tuesday from 8 a.m. to 5:30 p.m., Wednesday through Friday from 8 a.m. to 5 p.m., and Saturday from 7:30 a.m. to noon. Residents of Illinois who are not new drivers but need to visit the DMV are encouraged to utilize online features rather than stand in line at the area’s singular office.

Public Transportation in Rockford, IL

Navigating Rockford without your own vehicle can be challenging, depending on when and where you need to go. The Rockford Mass Transit District does operate a variety of bus routes, with some running on weekends and during later evening hours, although it’s advised that you plan your travel carefully as these schedules could change. For the most reliable option, it’s recommended that you utilize Lyft or Uber instead.

Conclusion: How to get the best and cheapest car insurance in Rockford, IL

Unlike in other parts of the nation, driving in Rockford is neither expensive nor very stressful, although these factors can vary based on your specific driving needs. By knowing your way around the city and ensuring you have enough time to reach your destination, you’ll likely be able to stay safe on the road and enjoy an easy time navigating the city.

If you’re looking to save money on your auto insurance and aren’t sure where to start, head over to Insurify. Rockford residents can compare quotes quickly and easily after answering just a few simple questions and will be able to enroll in a policy that works best for their driving needs.

Find local Rockford agents

Keystone Ins Agcy Inc
513 S Phelps Ave, Rockford, IL 61108
Insurance King Agency, Inc.
127 N Alpine Rd Ste 102, Rockford, IL 61107-4900
Ally Insurance Agency
4010 E State St Suite 102B, Rockford, IL 61108
Compare My Premiums
420 Financial Ct Ste 102, Rockford, IL 61107-6669
Beth & Rudnicki Insurance Agency Inc
5411 E State St #204, Rockford, IL 61108
Broadmoor Agcy Inc
321 W. State ST, Rockford, IL 61101-1137
Spectrum Insurance Agency, Inc
5301 East State Street #201, Rockford, IL 61108
Coyle-Kiley Insurance Agency Inc
401 East State St, 4th Fl, Rockford, IL 61104-1027
Sreenan Insurance Agency
3326 11TH ST, Rockford, IL 61109-2257
Gallagher Williams-Manny
555 S Perryville Rd, Rockford, IL 61125

Insurify Insights: How Rockford Drivers Measure Up

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Nissan Altima
Most Popular Car in
Rockford, IL
suspended licenses
#11
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Rockford drivers measure up to their fellow Illinois motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Rockford

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Rockford drivers rank 19 in the number of car accidents per driver across all cities in Illinois.

  • Rank within state: #19
  • Percent of drivers in Rockford with an accident: 8.3%
  • Drivers in Rockford, IL with an accident in their driving history paid on average 40.31% more than drivers with a clean record

Speeding Rockford

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Illinois, Rockford drivers rank 8 in the number of speeding infractions per driver.

  • Rank within state: #8
  • Percent of drivers in Rockford with a speeding ticket: 11.04%
  • Drivers in Rockford, IL with a speeding ticket in their driving history paid on average 29.46% more than drivers with a clean record

DUI/DWIs Rockford

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Rockford drivers rank 4 in the number of DUI’s per driver across all cities in Illinois.

  • Rank within state: #4
  • Percent of drivers in Rockford with a DUI: 2.46%
  • Drivers in Rockford, IL with a DUI in their driving history paid on average 8.53% more than drivers with a clean record

Most Popular Vehicle Rockford

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Rockford is the Nissan Altima.

Rude Rockford

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Illinois, Rockford drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Rockford with a reckless driving violation: 2.92%
  • Drivers in Rockford, IL with a reckless driving violation in their driving history paid on average 43.41% more than drivers with a clean record.

Safest Drivers Rockford

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Rockford drivers rank 5 in clean driving records across all cities in Illinois.

  • Rank within state: #5
  • Percent of drivers in Rockford with clean record: 81.02%

Failure to Yield the Right of Way Rockford

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Rockford drivers rank 2 in failure to yield violations per driver across all cities in Illinois.

  • Rank within state: #2
  • Percent of drivers in Rockford with a failure to yield violation: 0.82%
  • Drivers in Rockford, IL with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Rockford

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Illinois, Rockford drivers rank 7 in the number of reckless driving offenses per driver.

  • Rank within state: #7
  • Percent of drivers in Rockford with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Rockford

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Rockford drivers rank 28 in hybrid and electric vehicle ownership across all cities in Illinois.

  • Rank within state: #28
  • Percent of drivers in Rockford with a hybrid/electric vehicle: 0.27%
Most Patriotic City

Most Patriotic City

Rockford

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Belleville won Insurify's Most Patriotic Cities Award for the state of Illinois. Located close to Scott Air Force Base, Belleville is home to many active and former service people and government personnel.


FAQs - Rockford, IL Car Insurance

Is car insurance cheap in Rockford?

Depending on the coverage you’re looking for, drivers who live in Rockford could save more than 30 percent compared to other Illinois residents. Keep in mind that the policy you enroll in needs to feature at least the minimum state coverage requirements.

Can I drive without insurance in Rockford?

While a few states allow individuals to pay a fee rather than enroll in auto coverage, Illinois is not one of these states. If you are caught driving without insurance, you could face a steep penalty or have your license suspended. Thankfully, Illinois does not require jail time for this type of offense.

How can I find the best deal on car insurance in Illinois?

Rather than spend time searching the internet for quotes from various insurance carriers, visit Insurify. You’ll be able to compare real-time prices from multiple companies at once and find the policy that best meets your driving and budgetary needs.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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