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Cheap Auto Insurance Quotes in Rockford, IL (May 2022)
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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.
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:
Liability insurance coverage is non-negotiable. Uninsured motorist coverage is required as well and is especially important because an estimated 13.7% of Illinois drivers are uninsured.
Optional coverages for your auto policy include, of course, comprehensive and collision. Comprehensive 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||Avg. Monthly Cost|
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.
|Driving History||Avg. Monthly Cost|
|Failure to Stop for Red Light / Stop Sign||$225|
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 Tier||Avg. Monthly Cost|
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Rockford, Illinois below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Rockford drivers measure up to their fellow motorists across Illinois in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Rockford
City with the Most Speeding Tickets Rank in Illinois
City with the Most Moving Violations Rank in Illinois
City with the Most DUIs Rank in Illinois
City with the Most Suspended Licenses in Illinois
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.
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.