The best car insurance in Rockford, IL

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 8, 2021

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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.

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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 $730 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

$730

--

Auto-Owners Insurance

$790

890

GEICO

$832

871

COUNTRY Financial

$969

863

State Farm

$1,034

881

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

61101

$1,424

61102

$1,395

61103

$1,434

61104

$1,449

61107

$1,411

61108

$1,448

61112

$1,413

61114

$1,402

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.

Violation

FAIA

Auto-Owners Insurance

GEICO

COUNTRY Financial

State Farm

At-fault Accident

$1,008

$1,023

$1,442

$1,601

$1,249

DUI

$1,631

$1,545

$1,888

$1,679

$1,149

Driving with a suspended license

$1,291

$1,545

$2,281

$1,679

$1,149

Driving with an open container

$1,631

$1,545

$1,888

$1,410

$1,149

Driving with expired registration

$948

$795

$921

$1,410

$1,149

Driving without Lights

$755

$795

$1,060

$1,410

$1,149

Failure to show documents

$1,291

$1,545

$921

$1,410

$1,149

Failure to stop at a red light

$948

$795

$1,060

$1,410

$1,149

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

$1,428

COUNTRY Financial

$1,528

GEICO

$1,625

Nationwide

$1,710

Travelers

$2,007

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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

Who has the cheapest car insurance in Rockford?

FAIA Insurance has the cheapest average rates in Rockford, at $730 per year for full coverage car insurance.

I’ve filed for bankruptcy, will that affect my car insurance rates?

Insurance companies use credit ratings as a factor when setting rates. A lower score usually means higher rates, so bankruptcy or late payments can mean higher car insurance rates.

I bought a new car, why do I need more than the state minimum?

Lienholders require full coverage insurance to protect their investment against loss in the event of an accident. If you have a car loan, that usually means you’re required to have comprehensive and collision coverage.

I just moved to Rockford. Will that cause my insurance to go up?

You’ll need to update the insurance company with your new address and your rates could go down based on how it compares to your previous location.

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.