Rockford, IL Car Insurance

In Rockford, full coverage car insurance costs an average of $87 per month. Rates can range from as low as $84 to as high as $269, depending on various factors. To help drivers better understand potential costs, the table below shows the average car insurance rates for different driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Rockford, the average cost for full coverage car insurance is $1,047 per year, while state minimum coverage costs $480 annually. These estimates are lower than the Illinois averages, where full coverage is $1,093 and minimum coverage is $488. Residents might find more affordable options locally.

Although premiums are rising across the state, you can still find affordable car insurance in Rockford. Hanover offers the cheapest minimum coverage at $22 per month. For those seeking full coverage, Hanover also provides the best rate at $57 monthly.

Hanover is the cheapest car insurance provider for most drivers, but affordable rates vary for each driver. To find the cheapest car insurance, get quotes from multiple providers. Below is a table with the cheapest car insurance rates for different driver profiles.

Every car insurance company sets their own prices. To find the most affordable car insurance in Rockford, you need to compare rates from different companies. Below, we show you the cheapest options for both minimum coverage and full coverage plans.

Hanover offers the cheapest minimum coverage auto insurance at $22 per month. Auto-Owners Insurance Co follows with a rate of $33 monthly. See the breakdown of the cheapest options in the table below.

Hanover offers the cheapest full coverage car insurance in Rockford at $57 per month. Below is a list of other providers for comparison.

To find the cheapest car insurance in Rockford, get quotes from several companies. Hanover offers the lowest rate at $474 annually. American Family, with a MoneyGeek score of 81, is the best affordable provider. Check the table below for more options in your search.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,516 per year for 40-year-olds and $1,433 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Travelers offers the cheapest overall car insurance for teens in Rockford at $149 per month, saving $6 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Hanover offers the best minimum coverage for young drivers at $28 per month, while American Family provides the cheapest full coverage at $65 per month. Check the table below to see which providers offer the most affordable rates for different young driver profiles.

Hanover offers the most affordable auto insurance for young drivers at $50 per month. Other companies also provide competitive rates. The table below shows other companies with competitive rates.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Hanover and American Family offer the most affordable car insurance options, but rates vary based on factors like driving history and coverage needs. Below is a table showing the cheapest providers for different driver and coverage profiles that may better fit you.

Hanover offers the cheapest monthly premium for seniors at $38 for both minimum and full coverage. American Family follows with a rate of $47 per month. The table below shows options of the top car insurance providers for seniors in Rockford.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

When looking at all combinations of high-risk driver profiles in Rockford, insurance rates for both minimum and full coverage are much lower than the state average. Drivers with bad credit and DUIs pay the most for car insurance. In contrast, accidents and speeding tickets have a smaller impact on rates.

Hanover offers the cheapest minimum coverage for drivers with a DUI at $436 per year. For full coverage, American Family provides the best rate at $864 annually. Check out the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

Country Financial, Hanover, and American Family are the three cheapest car insurance providers for those with an at-fault accident in Rockford. Below is a table showing different providers offering cheap car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Hanover is the cheapest car insurance provider for drivers with a speeding ticket, offering rates of $22 for state minimum coverage and $57 for full coverage in Rockford. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Hanover offers the most affordable rates for drivers with bad credit in Rockford, with minimum coverage at $31 per month and full coverage at $72. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Illinois, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $20,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

Imagine you're in a fender bender. These minimums help cover the costs, so you're not paying out of pocket for damages or injuries. Make sure your coverage meets these requirements to avoid any surprises on the road.

Hanover shines as Rockford's cheapest car insurance for both minimum and full coverage. No matter your driving experience or credit history, you'll find affordable plans tailored to you. Make sure your policy covers Illinois's basics: bodily injury, property damage, and uninsured motorist protection. By comparing options, secure rates that are kind on your wallet and meet the Prairie State's legal standards.

This section provides quick answers to common questions about finding the cheapest and best car insurance options in Rockford.

MoneyGeek conducted an analysis of Rockford auto insurance prices using data from the Illinois Department of Insurance and Quadrant Information Services.

Rockford Driver Profile

To assess the best and most affordable auto insurance options for Rockford residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Rockford

In assessing the car insurance quotes for Rockford, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Illinois's mandated liability insurance parameters:

The minimum coverage requirements in Illinois are:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $20,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Illinois providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Rockford
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Rockford. For more details on our methodology, visit MoneyGeek's methodology.