Cheapest Auto Insurance in Rockford, Illinois (2024)

Auto-Owners offers the cheapest car insurance in Rockford, at a monthly rate of $24.

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated May 23, 2024

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Cheapest recent rates near Rockford, Illinois

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $47/mo for full coverage in Rockford and other Illinois cities.

*Quotes generated for Insurify users in and around Rockford, Illinois within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Rockford, Illinois within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Rockford, Illinois, pay an overall average of $118 per month for car insurance, which is a bit less than the Illinois state average of $132 per month. Set on the banks of the Rock River, Rockford is an industrial hub whose economy has diversified in recent years. New road-construction projects have revitalized the downtown area, increasing traffic, which could have an effect on car insurance costs.

However, the average car insurance rate in Rockford is well below the national average. Learn how to compare quotes and find the cheapest car insurance in Rockford, Illinois.

Quick Facts
  • Rockford drivers pay an average of $73 per month for liability-only insurance and $163 per month for full coverage.

  • Auto-Owners, State Farm, and GEICO offer the cheapest car insurance rates in Rockford.

  • Illinois is an at-fault state, which means the driver at fault during an accident must cover damages through their insurance policy.

3 of the cheapest car insurance companies in Rockford 

The best car insurance policy for you will depend on your specific driver profile. Your age, gender, marital status, driving history, credit score, and vehicle model are just a few factors that affect your car insurance needs.

The three car insurance companies below offer some of the most affordable rates in Rockford and will appeal to a wide range of drivers.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$45$27Cheap rates
Mile Auto3.7$68$46Low-mileage drivers
State Farm4.6$49$29Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$24/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$40/mo

One of the nation’s largest insurers, Auto-Owners serves nearly 3 million policyholders in 26 states. The company launched in 1916 and today sells car, home, life, and commercial insurance policies.

AM Best gave Auto-Owners a financial strength and credit rating of A++ (Superior), and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.

Auto-Owners offers several discounts, including bundling discounts, a paid-in-full discount, and a multi-car discount.

Pros
  • Above-average J.D. Power customer satisfaction rating in the North Central region

  • Multiple discounts available

Cons
  • Available in only 26 states

  • Claim filing not available online

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$41/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$61/mo

Mile Auto is unlike other auto insurance companies in that it bases rates on the number of miles you drive. The company says low-mileage drivers can save up to 40% compared to a standard policy. While Mile Auto does require drivers to report mileage, it asks for a photo of your odometer rather than tracking your driving with a telematics device. Your rate includes a base rate plus the rate for miles driven.

You won’t find an AM Best rating for Mile Auto because it doesn’t underwrite its own policies. However, AM Best notes that its underwriter has an “Excellent” rating, and its policies are backed by one of the world’s largest reinsurers.

Pros
  • Massive discounts for low-mileage drivers

  • Doesn’t require installation of a telematics-based driving tracker

Cons
  • Available in only 11 states

  • Few available discounts beyond low-mileage savings

Best insurer for young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$26/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$43/mo

In business for more than 100 years, State Farm sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts.

The company has far fewer complaints than expected for the industry, according to the NAIC. State Farm also ranks near the top for customer satisfaction in J.D. Power’s 2023 U.S. Auto Insurance Study.

Pros
  • Rideshare insurance available

  • Above-average J.D. Power customer satisfaction rating in the North Central region

Cons
  • Gap insurance not available

  • May not be the cheapest choice for drivers with violations

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

How to get the cheapest car insurance in Rockford

Rockford drivers already pay fairly affordable car insurance rates, but they can save even more with the following strategies:

  • Raise your deductible. Your deductible is the amount you pay out of pocket after an accident. Drivers with high deductibles generally pay lower monthly premiums. Just make sure you can afford to pay your deductible amount out of pocket if you need to file a claim.

  • Choose a safe car. Insurers consider cars with strong safety records to be less likely to lead to pricey claims. Picking a safe car is a good idea if you want the lowest rates.

  • Bundle home and auto insurance. Insurance companies prefer when customers buy all their insurance products in the same place. Purchasing another policy — such as home insurance, renters insurance, or life insurance — from your auto insurer can lower your insurance costs.

  • Practice safe driving. Drivers with multiple traffic accidents pay higher rates, on average. Residents in Rockford can avoid costly medical bills and save on their auto insurance policy when they practice safe driving habits.

  • Shop around. Different companies offer different rates on auto insurance. The best way to find affordable rates is to receive online quotes from at least three car insurance companies and compare them side by side.

Find Cheap Car Insurance in Rockford, Illinois

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Cheapest liability-only car insurance in Rockford: Auto-Owners

Liability-only insurance covers the other driver’s vehicle repairs and medical bills after an accident. Liability-only insurance won’t cover your own repairs or medical expenses, which is why these policies are typically cheaper than full coverage.

The average liability car insurance rate in Rockford is $73 per month. Liability-only insurance is a good choice for people who drive used or low-value cars. Here are the cheapest liability-only insurance options in Rockford.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners24
State Farm26
GEICO35
Hugo36
COUNTRY Financial37
Erie40
Mile Auto41
USAA43
American Family46
Mercury51
Nationwide55
Travelers58
Safeco59
Direct Auto60
Clearcover61
Farmers63
Allstate65
National General70
Midvale Home & Auto72
State Auto76
Dairyland77
Elephant80
GAINSCO80
The General85
Liberty Mutual91
Bristol West94
Foremost126
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Rockford: Auto-Owners

Full-coverage car insurance includes collision coverage and comprehensive coverage in addition to liability insurance. Collision coverage pays for damage to your own car after an accident, while comprehensive coverage pays for damage caused by a non-collision event, such as severe weather, vandalism, or theft.

Full coverage is more robust than liability-only insurance and is often more expensive. These policies are well-suited for drivers of new cars, high-value cars, or financed vehicles. Drivers in Rockford pay an average of $163 per month for full-coverage insurance. Here are the cheapest full-coverage car insurance companies in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners40
State Farm43
GEICO58
COUNTRY Financial61
Mile Auto61
Erie66
USAA71
Hugo75
American Family76
Mercury83
Safeco84
Clearcover97
Travelers97
Nationwide98
Farmers103
Allstate108
Midvale Home & Auto115
Direct Auto126
National General129
State Auto139
Elephant147
Liberty Mutual151
GAINSCO185
Dairyland210
Bristol West230
The General230
Foremost286
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Illinois

Drivers in Illinois must carry a minimum amount of liability insurance, outlined in the table below.[1] Illinois is an at-fault state, which means the driver who causes an accident is responsible for all medical bills, repairs, and property damage.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person
$50,000 per accident
Property damage liability$20,000 per person

Drivers can exceed the minimum car insurance requirements by purchasing the following optional insurance coverages:[2]

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you cause an accident that damages your own car, collision coverage kicks in to cover the cost of your repairs.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision event damages your car, such as severe weather, theft, or vandalism, comprehensive coverage kicks in.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If you get in an accident with a driver who doesn’t have enough car insurance or any car insurance, this coverage will pay for the cost of repairs and medical bills.

Cheapest car insurance for Rockford drivers with an incident

Drivers who have speeding tickets, at-fault accidents, or driving under the influence in their driving history pay higher car insurance rates, on average. Car insurance companies see drivers with traffic violations on their driving records as more likely to file claims in the future, so they charge them higher monthly premiums to offset these risks.

A Rockford driver’s rate increase after an incident will depend on the severity of the incident and whether it was a first offense or a repeat offense. In fact, the average cost of liability coverage for a Rockford driver with incidents on their records is $102 per month, compared to $73 for drivers with clean records. You can still find affordable auto insurance coverage after an incident if you shop around and seek out discounts.

Find Cheap Car Insurance After a Traffic Incident

Rates start as low as $31 per month in Rockford

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

The Illinois State Police website notes that one-third of all fatal crashes are caused by speeding — which is why excessive speeding comes with fines of up to $2,500 in Illinois.[3] [4] Drivers with speeding tickets pay higher average rates, though the rate increase varies by insurer. For instance, Progressive says rates go up by an average of about 15% for speeding.

Rockford drivers who have received a citation for speeding pay a monthly average of $107 for liability-only insurance and $239 per month for full coverage. Here are the best deals on car insurance for drivers in Rockford with a speeding ticket.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2432
State Farm2634
GEICO3546
Hugo3650
COUNTRY Financial3750
Erie4054
Mile Auto4158
USAA4356
American Family4660
Mercury5172
Nationwide5573
Travelers5877
Safeco5979
Direct Auto6080
Clearcover6181
Farmers6382
Allstate6585
Midvale Home & Auto7298
State Auto76108
Dairyland77102
Elephant80116
GAINSCO80116
The General85113
Liberty Mutual91132
Bristol West94122
Foremost126182
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Getting in a car accident will usually raise your car insurance rates. Your rate increase will vary based on the severity of the claim and the company you work with. Accidents typically stay on your record for three years.[5]

While an accident is on your driving record, you’ll pay an average of $248 per month for full coverage and $111 per month for a liability policy in Rockford. You can lower your rates by practicing safe driving habits, which can earn you a good driver discount at most companies.

The table below shows the best monthly rates on insurance coverage for Rockford drivers with an accident in their driving history.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2433
State Farm2636
GEICO3548
Hugo3648
COUNTRY Financial3753
Erie4056
Mile Auto4162
USAA4359
American Family4663
Mercury5175
Nationwide5577
Travelers5880
Safeco5979
Direct Auto6085
Clearcover6189
Farmers6386
Allstate6590
Midvale Home & Auto72105
State Auto76115
Dairyland77106
Elephant80109
GAINSCO80107
The General85120
Liberty Mutual91137
Bristol West94128
Foremost126189
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Illinois drivers who receive a DUI will lose their license for a minimum of one year after a first offense.[6] Drivers with DUIs also pay higher car insurance rates, on average — and they might even receive a non-renewal notice from their insurer.

Rockford drivers with a DUI may see their car insurance premiums increase to $281 per month for full coverage and $126 per month for liability coverage. Here are the cheapest car insurance companies in the Rockford area for drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2441
State Farm2644
GEICO3560
Hugo3661
COUNTRY Financial3763
Erie4068
Mile Auto4163
USAA4373
American Family4678
Mercury5179
Nationwide5594
Travelers5899
Safeco59100
Direct Auto60102
Clearcover61104
Farmers63107
Allstate65111
Midvale Home & Auto72123
State Auto76129
Dairyland77131
Elephant80136
GAINSCO80136
The General85145
Liberty Mutual91155
Bristol West94160
Foremost126214
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for Rockford seniors: Auto-Owners

Your age is a key factor that determines how much you pay for car insurance. Young adults pay the highest rates because they’re the least experienced. Car insurance rates usually come down once you hit age 35, then go back up around age 70.

Senior drivers in Rockford, Illinois, pay an average of $114 per month for full coverage and $51 per month for liability-only coverage. The following companies offer the lowest car insurance rates to senior drivers in Rockford.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1729
State Farm1831
Hugo2349
GEICO2642
COUNTRY Financial2744
Erie2745
Mile Auto2942
USAA3152
American Family3354
Mercury3557
Nationwide3867
Direct Auto4289
Travelers4270
Safeco4462
Clearcover4571
Farmers4574
Allstate4880
Midvale Home & Auto5080
State Auto5498
Dairyland57155
Elephant58106
GAINSCO60139
The General64174
Liberty Mutual66110
Bristol West69170
Foremost90205
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for Rockford teens: Auto-Owners

Teen drivers pay higher premiums due to their higher rate of car accidents. Teens are nearly three times more likely than drivers ages 20 and older to get in a serious crash, according to data from the Centers for Disease Control and Prevention (CDC).[7]

A state-minimum policy costs Rockford teens about $128 per month, on average, while full coverage costs an average of $285 per month. Young drivers can save on insurance by qualifying for good student discounts, staying on their parents’ insurance policy, and buying a car with a strong safety record.

Here are the cheapest coverage options for teens in Rockford.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4168
State Farm4372
COUNTRY Financial5388
GEICO5490
Hugo62129
Erie66109
USAA70116
Mile Auto78116
American Family79131
Mercury91149
Nationwide92165
Travelers103172
Direct Auto108227
Farmers109179
Allstate112186
Clearcover117186
Safeco122173
Midvale Home & Auto123197
Dairyland127347
Elephant130239
State Auto133242
The General135367
GAINSCO141326
Bristol West158386
Liberty Mutual167277
Foremost220499
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Rockford

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Rockford car insurance quotes by credit tier

In Illinois, your credit history is one of several factors insurers use to determine your car insurance rates. Drivers with excellent or good credit pay lower average car insurance rates compared to drivers with poor credit.

The chart below shows how average rates for full coverage vary in Rockford based on credit history:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Rockford? 

Rockford’s average car insurance rate of $118 is significantly lower than the national average rate of $160 per month. Rates vary from city to city in Illinois, with local property values, repair costs, and crime rates all affecting insurance costs.

Rockford’s average rates are lower than those of similarly sized cities like Rochester, New York, ($107 per month) and Salt Lake City, Utah ($155 per month).

More cities in Illinois 

Car insurance rates vary by ZIP code. Local traffic rates and property values are the primary factors influencing a city’s rates.[8] Naperville drivers enjoy some of the cheapest car insurance in Illinois.

The table below shows how Rockford’s full-coverage rates compare to those of other cities in Illinois.

CityLiability OnlyFull Coverage
Aurora$78$180
Berwyn$79$190
Chicago$93$226
Joliet$77$169
Naperville$74$166
Peoria$77$176
Springfield$78$182
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Rockford car insurance FAQs

If you’re shopping for car insurance in Rockford, Illinois, check out Insurify’s guide on how to shop for car insurance. You may also find this additional information helpful as you search for coverage.

  • How much is car insurance in Rockford, Illinois?

    Car insurance in Rockford costs $73 per month for liability-only coverage and $163 per month for full coverage, according to Insurify data.

  • Which companies have the cheapest car insurance in Rockford, IL?

    Auto-Owners, State Farm, and GEICO have the cheapest car insurance in Rockford, Illinois. But the cheapest companies for you will depend on multiple factors, including your age, ZIP code, driving record, and more.

  • What are the best car insurance companies in Rockford?

    Auto-Owners, Mile Auto, and State Farm are some of the best car insurance companies in Rockford, Illinois. All three insurers offer competitive rates and have strong financial strength and credit ratings.

  • How much is car insurance in Illinois per month?

    Illinois drivers pay monthly averages of $79 for liability-only insurance and $185 for full coverage, Insurify data shows.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Illinois Secretary of State. "Mandatory Vehicle Insurance."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  3. Illinois State Police. "Speed Limit Enforcement."
  4. DrivingLaws.org. "Illinois Speeding Tickets, Fines, and Penalties."
  5. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  6. Illinois Secretary of State. "Driver Services FAQs."
  7. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  8. Insurance Information Institute. "What determines the price of an auto insurance policy?."
A.M. Steinbach
A.M. SteinbachInsurance Writer

A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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