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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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Drivers in Rockford, Illinois, pay an overall average of $107 per month for car insurance, which is just slightly less than the Illinois state average of $121 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 find the cheapest car insurance in Rockford, Illinois.
Quick Facts
Rockford drivers pay an average of $70 per month for liability-only insurance and $143 per month for full coverage.
Illinois allows car insurance companies to use your credit history as a factor when determining rates.
Illinois is an at-fault state, which means the driver at fault during an accident must cover damages through their insurance policy.
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Best 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.
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.
4.1
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.
$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.
$45/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
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
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.
3.4
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.
$43/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.
$58/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
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.
4.4
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.
$28/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.
$49/mo
In business for more than 100 years, State Farm today 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
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
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.
Auto-Owners offers the lowest liability car insurance rates in Rockford, at $26 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, November 30 at 11:00 AM PST.
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
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. Here are the cheapest full-coverage car insurance companies in Rockford.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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.
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.
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person and $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]
Collision coverage
If you cause an accident that damages your own car, collision coverage kicks in to cover the cost of your repairs.
Comprehensive coverage
If a non-collision event damages your car, such as severe weather, theft, or vandalism, comprehensive coverage kicks in.
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 repeat offense. In fact, the average cost of liability coverage for a Rockford driver with incidents on their records is $97 per month, compared to $70 for drivers with clean records. You can still find affordable auto insurance coverage after an incident if you shop around and seek out discounts.
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Cheapest car insurance for drivers with a speeding ticket
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 $103 for liability-only insurance. 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, November 30 at 11:00 AM PST.
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
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 can expect to pay around $105 each 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, November 30 at 11:00 AM PST.
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
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 liability insurance premiums increase to $119 per month. 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, November 30 at 11:00 AM PST.
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
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 75.
Senior drivers in Rockford, Illinois, pay an average of $48 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, November 30 at 11:00 AM PST.
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
Teen drivers pay higher premiums due to their higher rate of car accidents. Teens are nearly three times more likely than drivers age 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 $123 per month, on average. 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, November 30 at 11:00 AM PST.
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.
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.
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 $107 is significantly lower than the national average rate of $139 per month. Rates vary from city to city within Illinois, with local property values, local repair costs, and local crime rates all affecting insurance costs.
Rockford’s average rates are lower than those of similarly sized cities like Rochester, New York, ($119 per month) and Salt Lake City, Utah ($148 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.
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 $70 per month for liability-only coverage and $143 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Rockford, IL?
Auto-Owners, State Farm, and Hugo 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 $77 for liability-only insurance and $164 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.
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.
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.
Auto-Owners
Mile Auto
State Farm
