Rockford drivers pay an average of $1,422 per year for full coverage car insurance. Rockford’s car insurance rates are close to the Illinois state average of $1,403 per year, but car insurance costs can vary from driver to driver and company to company.
The best way to find great rates on car insurance is by comparing options before you buy. Policygenius can help you see quotes from top companies and find coverage that meets your needs.
Key Takeaways
FAIA has the cheapest average full coverage car insurance in Rockford at $684 per year.
Drivers with a low credit score often pay more than double for car insurance than drivers with a high score.
In addition to liability coverage, Illinois requires drivers to have uninsured motorist bodily injury coverage of $25,000 per person/$50,000 per accident.
Cheapest car insurance companies in Rockford, IL
Car insurance companies basically all use the same information to calculate car insurance rates. They all look at key factors like your age, location, and driving record — but each company applies that information differently, which is why some offer cheaper rates than others.
Company | Average cost | JD Power Rating |
|---|
FAIA | $684 | -- |
COUNTRY Financial | $846 | -- |
GEICO | $942 | 874 |
Auto-Owners Insurance | $979 | 865 |
State Farm | $1,026 | 882 |
Cheapest car insurance rates by ZIP code in Rockford, IL
Where you live is one of the most important factors in how much you pay for car insurance. Insurance companies use local statistics like the number of stolen vehicles, acts of vandalism, even access to secure parking in a specific neighborhood to set rates.
ZIP code | Average cost |
|---|
61102 | $1,325 |
61114 | $1,327 |
61107 | $1,332 |
61112 | $1,339 |
61101 | $1,347 |
61103 | $1,350 |
61108 | $1,369 |
61104 | $1,369 |
Choosing the right car insurance company in Rockford, IL
You want to be sure your insurer will be there when you need them most. That’s why it’s important to consider not just low rates, but also customer service and claims satisfaction ratings, perks like included roadside assistance or accident forgiveness, even whether or not the company you choose has a mobile app for easy claims filing.
Policygenius can help you see quotes from top companies and find affordable protection that meets your needs.
Car insurance rates for drivers with driving violations in Rockford, IL
A single speeding can increase your rates by $200 or more with some companies. More serious violations, like a DUI or a hit-and-run accident, can have an even bigger impact on your rates. The table below shows the average rates for drivers with a DUI conviction or other moving violations on their driving record.
Cheapest car insurance for drivers with bad credit in Rockford, IL
A bad credit score is bad news if you’re looking for cheap car insurance. Insurance companies use your credit score to set the rates you pay, and a low score means higher rates. That’s why it’s all the more important for drivers with poor credit to shop around before buying a policy.
Company | Rates for drivers with bad credit |
|---|
FAIA | $1,335 |
COUNTRY Financial | $1,396 |
Travelers | $1,743 |
Nationwide | $1,767 |
GEICO | $1,873 |
Buying car insurance in Rockford, IL
Illinois state law requires drivers to meet the following minimum liability insurance requirements:
Bodily Injury Liability Coverage per person: $25,000
Bodily Injury Liability Coverage per accident: $50,000
Property Damage Liability Coverage: $20,000
Uninsured Motorist Bodily Injury Coverage: $25,000 per person / $50,000 per accident
Motor vehicle owners and lessees are required by law to maintain continuous Illinois liability insurance coverage on vehicles with active registrations.
Illinois is a fault state when it comes to car accidents. This means that the insurance company of the driver responsible for an accident will pay for the other party’s medical bills or repair costs.
High-risk drivers who can’t find coverage because of their driving record or credit score can get insurance through the Illinois Automobile Insurance Plan.
How to get cheap car insurance in Rockford, IL
Car insurance is mandatory if you want to drive legally in Rockford. But many companies offer discounts that can make coverage more affordable, including:
Safe-driver discount: For drivers without any accident claims during a specified timeframe
Low-mileage discount: For drivers who commute less than 7,500 miles annually
Military discount: A discount for active-duty military and their families
Bundling discount: Savings for combining multiple policies (like auto and home) with the same company.
Be sure to ask your insurance company about what other discounts may apply to you.
Frequently asked questions
Is car insurance mandatory in Illinois?
Yes. Illinois state law requires vehicle owners to have at least 25/50/20 levels of liability insurance (along with uninsured/underinsured motorist coverage) for any vehicle registered in the state. If you drive without at least the minimum level of car insurance in Illinois, you could face a fine of $500 or more.
Who has the cheapest car insurance in Rockford?
FAIA Insurance has the cheapest average rates in Rockford, at $684 per year for full coverage car insurance.
How much is car insurance per month in Illinois?
Drivers in Illinois pay an average of $1,332 per year for car insurance, which breaks down to $111 per month.
How much auto insurance do I need in Illinois?
The state of Illinois requires drivers to have a minimum of 25/50/20 in liability coverage, which is $25,000 per person/$50,000 per accident in bodily injury liability coverage and $20,000 in property damage liability coverage. Drivers are also required to have $25,000/$50,000 in bodily injury uninsured motorist coverage.
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Authors
Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.
Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Questions about this page? Email us at editorial@policygenius.com.
