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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.
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.
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.
| Cheapest Companies | |
|---|---|
Progressive | $61/mo |
 Allstate | $79/mo |
 State Farm | $85/mo |
 Nationwide | $102/mo |
 Travelers | $108/mo |
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.
| Best Companies | ||
|---|---|---|
 Clearcover | $92/mo | |
 American Family | $133/mo | |
 Liberty Mutual | $159/mo | |
 Mercury | $171/mo | |
Travelers | $120/mo |
| Chicago | $139/mo |
| Aurora | $120/mo |
| Joliet | $159/mo |
| Naperville | $124/mo |
| Rockford | $111/mo |
| Illinois | $131/mo |
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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:
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.”
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.
| Driver's Age | |
|---|---|
| teens | $290 |
| 20s | $186 |
| 30s | $126 |
| 40s | $145 |
| 50s | $187 |
| 60s | $101 |
| 70s | $101 |
| 80s | $108 |
| Driving History | |
|---|---|
| No Violation | $144 |
| Speeding Ticket | $222 |
| At-Fault Accident | $241 |
| Failure to Stop for Red Light / Stop Sign | $225 |
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 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.
| Credit Tie | |
|---|---|
| Excellent | $115 |
| Good | $146 |
| Average | $175 |
| Poor | $138 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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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