Average car insurance cost in Rockford, IL

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average car insurance cost in Rockford, Illinois is $1,509 per year, according to Insure.com data. This is $23 less than the average auto insurance cost in Illinois and $386 less than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Rockford, the average car insurance rates by age, gender and how much is car insurance in Rockford based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Rockford. Read on to learn more.

Cheap car insurance companies in Rockford

Auto Club Group – ACG (AAA) provides the best value for car insurance in Rockford with coverage limits of 100/300/100, costing $1,001 annually.

A close second is Geico, which offers car insurance at $1,041 per year.

Read about the best car insurance companies.

Average car insurance cost in Rockford by coverage limits

The average car insurance rates in Rockford by coverage type are as follows:

• State minimum coverage: $454 per year (limits of 25/50/25)
• Liability-only coverage: $506 per year (limits of 50/100/50)
• Full coverage: $1,509 per year (limits of 100/300/100)
• Non-owners coverage: $292 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Rockford

The average car insurance per year for female drivers in Rockford, Illinois, is $1,506.

Whereas the yearly average car insurance rate for male drivers is $1,511, which is $5 more than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Rockford

In Rockford, car insurance rates are highest for teens, averaging $4,884 per year or $407 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $2,488 annually for their car insurance, which is $2,396 less than what teens pay for their coverage.

In Rockford, adult drivers pay an average of $1,533 per year for car insurance, while senior drivers pay $1,525 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rate trends in Rockford

Examining the trends in car insurance rates in Rockford, Illinois, there was an downward trend from 2022 to 2023. Between 2022 and 2023, rates decrease overall by 5% or $83.

The table below illustrates the trend over the three years:

Conclusion

In conclusion, Rockford’s car insurance rates are lower than the average insurance rates in Illinois. Drivers in Rockford can find affordable car insurance options by shopping around and taking advantage of available discounts. Moreover, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

 . .

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.