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.
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 | $57/month | -- |
COUNTRY Financial | $71/month | -- |
GEICO | $79/month | 874 |
Auto-Owners Insurance | $82/month | 865 |
State Farm | $86/month | 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.
Violation | FAIA | COUNTRY Financial | GEICO | Auto-Owners Insurance | State Farm |
---|---|---|---|---|---|
At-fault accident | $948 | $1,371 | $1,651 | $1,267 | $1,223 |
Suspended license | $1,207 | $1,441 | $2,617 | $1,903 | $1,126 |
Open container | $1,522 | $1,220 | $2,162 | $1,903 | $1,126 |
Expired registration | $888 | $1,220 | $1,055 | $990 | $1,126 |
Driving without lights | $708 | $1,220 | $1,208 | $990 | $1,126 |
Running a red light | $888 | $1,220 | $1,208 | $990 | $1,126 |
Following too closely | $888 | $1,220 | $1,208 | $990 | $1,126 |
Hit and run | $1,207 | $1,441 | $2,162 | $1,903 | $1,126 |
Not-at-fault accident | $708 | $916 | $1,255 | $990 | $1,042 |
Passing a school bus | $888 | $1,220 | $1,208 | $1,100 | $1,126 |
Reckless driving | $1,522 | $1,441 | $2,162 | $1,903 | $1,126 |
Cheapest car insurance for drivers with a DUI in Rockford, IL
Company | Rates for drivers with DUIs |
---|---|
State Farm | $1,126 |
COUNTRY Financial | $1,441 |
FAIA | $1,522 |
Auto-Owners Insurance | $1,903 |
GEICO | $2,162 |
Cheapest car insurance for drivers with a speeding ticket in Rockford, IL
Company | Rates for drivers with speeding tickets |
---|---|
FAIA | $888 |
State Farm | $1,126 |
Auto-Owners Insurance | $1,282 |
COUNTRY Financial | $1,441 |
GEICO | $1,966 |
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.