Best Auto Insurance Rates in Rockford, Illinois

On average your neighbors pay $65 a month.

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Compare Auto Insurance Quotes in Rockford, IL

A key player in regional health care, and a place of rising importance in the entertainment and financial industries, Rockford has been growing at a healthy rate in recent years. With a population of over 150,000, it's the third largest city in the state of Illinois. With all that Rockford has to offer residents, why shouldn’t affordable car insurance rates be included?

Average Rockford Car Insurance Rates

How much is car insurance in Rockford, IL? The average cost of auto insurance in Illinois is $775.24 per year. The national average cost is $866.31.

Prices will vary depending on your driving record and the number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $434.80
Collision $294.41
Comprehensive $124.89
Total Cost Per Year $775.24
Price Per Month $64.60

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Rockford, Illinois and save up to 40% on your premium.

Last year, 3,715 people used QuoteWizard to compare car insurance quotes in Rockford, IL from top companies, and find the lowest rates.

Top 10 Vehicles in Rockford

This is our list of the most common car makes and models owned by Rockford drivers requesting quotes through QuoteWizard last year.

  1. Chevrolet Impala/ LS/LT
  2. Ford Taurus SE
  3. Chevrolet Blazer
  4. Ford F150
  5. Chevrolet Malibu LS
  6. Jeep Grand Cherokee Laredo
  7. Cadillac Deville
  8. Buick Century Custom
  9. Dodge Caravan
  10. Ford Explorer
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Rockford

This is our list of the most common car insurance companies reported by 3,715 Rockford, IL QuoteWizard users last year. Of these users, 263 were uninsured.

Rockford Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Rockford ranked 49th out of the 200 cities in the report. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9.9 years.

Rockford drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Weather and road conditions can significantly influence insurance rates.

Weather

Rockford, like most of Illinois, has a humid climate with long hot summers and cold winters, and no dry season. In an average year, Rockford can expect 188 sunny days and around 95 days with measureable precipitation. Rockford averages around 30 inches of snow annually, which can produce slick roads, causing accidents.

Road Conditions

According to Tripnet.org, 27% of the major roads in Illinois are in poor condition and 40% are mediocre. The poor condition of roads costs drivers $4.4 billion or $540 per motorist in extra vehicle operating costs per year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

The city of Rockford has a major pothole problem due to winter weather. If you'd like to report a pothole, contact the Public Works Department. If you've damaged your vehicle due to a pothole, you may be eligible to file a claim and the city will pay for it.

Traffic Congestion

Traffic data provider Inrix has created a traffic scorecard that measures key factors of US cities’ traffic congestion. Rockford commuters spend an average of 23 hours stuck in traffic per year. This adds up to $173 million in annual congestion costs, which breaks down to $558 per commuter, per year.

Moving Violations

Moving violations like speeding tickets, at-fault accidents, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you may need to get high-risk car insurance for bad drivers.

Traffic Tickets

The Winnebago County Clerk of the Circuit Courts website allows residents to pay traffic tickets, and provides important traffic court information.

Drunk Driving Arrests

Rockford Police stopped 601 drivers for suspicion of driving under the influence resulting in 594 arrests in 2013.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Rockford DUI insurance.

Fatal Car Accidents

Rockford experienced 30 fatalities in 2013. With a population of 150,251, the number of fatal accidents per capita works out to a relatively high 7.32 per 100,000.

Vehicle Theft Rates

Rockford reported 488 motor vehicle thefts win 2016. This is a rate of 3.29 per 1,000 residents. This is quite a bit more than the national average of 2.20 per 1,000 people.

Legal Minimum Insurance Requirements

Rockford, Illinois has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most insurance companies will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Discounts are a great way to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Rockford, IL depending on your carrier.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  2. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  3. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  4. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  7. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  8. Are you married or getting married soon? Some insurers offer a discount to married couples
  9. Install anti-theft devices or a car alarm system
  10. Shop around and compare low-cost Rockford car insurance quotes

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