Compare Rockford, IL Car Insurance Rates (2021)

Car insurance in Rockford, IL averages $278 a month. Rockford, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Rockford car insurance rates, compare quotes from the top car insurance companies in Rockford, IL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Rockford for teen drivers is Nationwide
  • The cheapest ZIP code in Rockford is 61112
  • Average car insurance rates in Rockford, IL are $3,341/year

If you need to buy Rockford, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Rockford, IL is right here.

You’ll find Rockford car insurance rates, the cheapest Rockford, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Rockford, Illinois car insurance rates to Joliet car insurance rates, Rockford car insurance rates, and Peoria car insurance rates.

Ready to find affordable Rockford, IL car insurance today? Enter your ZIP code for fast, free Rockford car insurance quotes.

Cheapest Rockford, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Rockford, IL car insurance rates? Every Rockford, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Rockford, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,430 $3,446 $3,592 $3,592 $9,000 $11,700 $4,126 $4,461
American Family $2,292 $2,292 $2,105 $2,105 $6,595 $9,095 $2,292 $2,963
Farmers $2,560 $2,558 $2,264 $2,398 $11,309 $11,804 $2,930 $3,059
GEICO $1,637 $1,675 $1,591 $1,935 $5,399 $5,604 $2,066 $1,957
Liberty Mutual $1,376 $1,483 $1,143 $1,275 $4,629 $5,143 $1,440 $1,519
Nationwide $1,556 $1,580 $1,390 $1,468 $4,204 $5,377 $1,806 $1,951
Progressive $2,345 $2,201 $1,937 $2,036 $8,687 $9,743 $2,788 $3,007
State Farm $1,611 $1,611 $1,454 $1,454 $4,850 $6,128 $1,827 $2,116
Travelers $1,568 $1,652 $1,445 $1,538 $4,698 $5,922 $1,659 $1,746
USAA $1,650 $1,683 $1,536 $1,518 $5,303 $5,849 $2,174 $2,396

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Minimum Car Insurance in Rockford, IL

Every driver must carry the minimum car insurance in Rockford, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Rockford, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Rockford, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Rockford, IL. Compare credit history car insurance rates in Rockford from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Rockford, Illinois

Insurance Company Poor Fair Good
Allstate $6,896 $4,992 $4,367
American Family $4,931 $3,368 $2,853
Farmers $5,509 $4,650 $4,423
GEICO $4,389 $2,142 $1,669
Liberty Mutual $3,181 $1,989 $1,583
Nationwide $2,875 $2,330 $2,045
Progressive $4,658 $3,959 $3,662
State Farm $3,827 $2,291 $1,776
Travelers $3,074 $2,493 $2,018
USAA $3,680 $2,528 $2,083

Cheapest Rockford, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Rockford, IL to rates for a clean record with top companies.

Annual Rockford, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,840 $6,597 $6,155 $5,081
American Family $2,732 $3,882 $5,158 $3,098
Farmers $4,100 $5,298 $5,165 $4,879
GEICO $1,960 $2,675 $3,864 $2,434
Liberty Mutual $1,873 $2,663 $2,340 $2,129
Nationwide $1,957 $2,518 $2,951 $2,240
Progressive $3,363 $5,023 $3,732 $4,253
State Farm $2,389 $2,873 $2,631 $2,631
Travelers $2,010 $2,642 $2,942 $2,521
USAA $1,971 $2,831 $3,877 $2,377

Cheapest Rockford, IL Car Insurance for Teen Drivers

Teen car insurance in Rockford, IL can be expensive. Take a look at rates from the top car insurance companies in Rockford for teenagers.

Annual Car Insurance Rates for Teen Drivers in Rockford, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,000 $11,700
American Family $6,595 $9,095
Farmers $11,309 $11,804
GEICO $5,399 $5,604
Liberty Mutual $4,629 $5,143
Nationwide $4,204 $5,377
Progressive $8,687 $9,743
State Farm $4,850 $6,128
Travelers $4,698 $5,922
USAA $5,303 $5,849

Cheapest Rockford, IL Car Insurance for Seniors

Take a look at Rockford, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Rockford, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,592 $3,592
American Family $2,105 $2,105
Farmers $2,264 $2,398
GEICO $1,591 $1,935
Liberty Mutual $1,143 $1,275
Nationwide $1,390 $1,468
Progressive $1,937 $2,036
State Farm $1,454 $1,454
Travelers $1,445 $1,538
USAA $1,536 $1,518

Cheapest Rockford, IL Car Insurance Rates After a DUI

A DUI in Rockford, IL increases car insurance rates. Compare Rockford, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Rockford, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,155
American Family $5,158
Farmers $5,165
GEICO $3,864
Liberty Mutual $2,340
Nationwide $2,951
Progressive $3,732
State Farm $2,631
Travelers $2,942
USAA $3,877

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Cheapest Rockford, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Rockford, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Rockford, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,418 $5,418
American Family $3,670 $3,765
Farmers $4,860 $4,860
GEICO $2,686 $2,780
Liberty Mutual $2,251 $2,251
Nationwide $2,416 $2,416
Progressive $4,093 $4,093
State Farm $2,565 $2,698
Travelers $2,429 $2,628
USAA $2,686 $2,841

Cheapest Rockford, IL Car Insurance Rates by ZIP Code

Rockford car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Rockford, IL.

Annual Car Insurance Rates by ZIP Code in Rockford, Illinois

ZIP Code Average Annual Rates
61101 $3,395
61102 $3,295
61103 $3,405
61104 $3,512
61107 $3,210
61108 $3,301
61109 $3,218
61112 $3,193
61114 $3,267

The Best Cheap Car Insurance Companies in Rockford, IL

Take a look at a side-by-side comparison of the top car insurance companies in Rockford, IL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Rockford, Illinois

Insurance Company Average Annual Rates
Allstate $5,418
American Family $3,717
Farmers $4,860
GEICO $2,733
Liberty Mutual $2,251
Nationwide $2,416
Progressive $4,093
State Farm $2,631
Travelers $2,529
USAA $2,764

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Category Winners: Cheapest Car Insurance in Rockford, Illinois

Find the cheapest car insurance companies in Rockford, IL for each category right here.

Best Annual Car Insurance Rates by Company in Rockford, Illinois

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

Cheapest Rockford, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Rockford car insurance rates. Find the cheapest Rockford, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Rockford, Illinois

Insurance Company Low Medium High
Allstate $5,259 $5,413 $5,582
American Family $3,566 $3,854 $3,732
Farmers $4,617 $4,741 $5,224
GEICO $2,481 $2,729 $2,990
Liberty Mutual $2,133 $2,247 $2,373
Nationwide $2,391 $2,439 $2,419
Progressive $3,719 $4,073 $4,487
State Farm $2,481 $2,636 $2,776
Travelers $2,370 $2,525 $2,690
USAA $2,573 $2,761 $2,957

What affects car insurance rates in Rockford, Illinois?

What factors can have an impact on Rockford, IL car insurance? There are several reasons why Rockford car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Rockford, Illinois.

Commute Time in Rockford

The more time you spend in your car the higher the risk of an accident. The average commute length in Rockford, IL is 21.3 minutes according to City-Data.

Traffic in Rockford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Rockford, IL traffic data from INRIX ranks Rockford as the 463rd-most congested in the world.

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Compare Car Insurance Quotes in Rockford, IL

Ready to find affordable Rockford, Illinois car insurance today? Enter your ZIP code for fast, free Rockford, IL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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