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Cheap Auto Insurance Quotes in Rockford, IL (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 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.

Quick Facts

  • The average cost of car insurance in Rockford is $131 per month, or $1572 annually.
  • Car insurance in Rockford is $12 less than the average cost of car insurance in Illinois.
  • The cheapest car insurance provider in Rockford on average is USH&C, but you should always compare quotes to find your best personal rate.

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.

Quotes by Top Companies

State Farm

Cheapest Car Insurance in Rockford, IL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in RockfordQuotes
Progressive$61 /mo
Allstate$79 /mo
State Farm$85 /mo
Nationwide$102 /mo
Travelers$108 /mo

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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 company reviews. The following are the top rated companies that offer car insurance in Rockford. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Clearcover97$92 /mo
American Family89$133 /mo
Liberty Mutual82$159 /mo
Mercury81$171 /mo
Travelers80$120 /mo

Average Car Insurance Cost

Illinois Cities
Average for IL
Click here to learn about car insurance quotes and save on your current policy.

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

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.”

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.

Driver's AgeAvg. Monthly Cost

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.

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

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.

Credit TierAvg. Monthly Cost

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
View more

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.

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.

FAQs - Rockford, IL Car Insurance

  • 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.
  • 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.
  • 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.

Compare Car Insurance Quotes Instantly

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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.

Insurify Insights

How Rockford Drivers Measure Up

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.


Nissan Altima

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.

    • 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 pay on average 40.31% more than drivers with a clean record
  • 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 pay on average 29.46% more than drivers with a clean record
  • 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 pay on average 8.53% more than drivers with a clean record
  • 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.

    • 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 pay on average 43.41% more than drivers with a clean record.
  • 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%
  • 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 pay on average 0% more than drivers with a clean record
  • 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: 0%
  • 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%
Insurify Insights

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.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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