Home Home insurance Average home insurance cost Illinois Rockford, IL Average homeowners insurance cost in Rockford, IL View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 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. In Rockford, homeowners pay an average annual rate of $2,765 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $183 more than the national average of $2,582. Homeowners insurance premiums can vary significantly from one property to another. In Rockford, the cost of home insurance is influenced by several factors, including: Size of your home Age of your home Amount of coverage required Location Your credit score It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs. Read this guide to discover the monthly homeowners insurance cost in Rockford, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Rockford. Key takeawaysThe average cost of homeowners insurance in Rockford is $2,765 per year. Allstate is the cheapest homeowners insurance company in Rockford with an average annual premium of $1,597. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $575 more a year for home insurance. Average homeowners insurance cost in Rockford per monthRockford homeowners pay an average of $230 a month, based on our rate analysis. It’s $24 less than the state average of $254 and $15 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Rockford may vary depending on where you live, the value of your home, and the coverage you choose. Average homeowners insurance cost for a $200,000 house in Rockford In Rockford, IL, homeowners pay an average of $2,190 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality. Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance. Average homeowners insurance cost for a $300,000 house in Rockford According to Insure.com’s rate analysis, homeowners in Rockford typically pay an average of $2,765 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible. If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $575. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area. Average homeowners insurance cost in Rockford by company After evaluating several carriers, Allstate is the least expensive homeowners insurance provider in Rockford. It’s average annual rate for homeowners in Rockford is $1,597. State Farm holds the second position, while Nationwide secures the third spot with an average annual home insurance rate of $1,914. Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Rockford and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Rockford and their average annual premiums. Home Insurance Company Annual rate Allstate$1,597State Farm$1,907Nationwide$1,914Farmers$2,611Country Financial$3,415American Family$4,409Travelers$6,831Auto-Owners$1,956USAA*$2,213 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Rockford for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesAuroraChicagoJolietNaperville In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? 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By Ashlee Tilford On this page Average homeowners insurance cost in Rockford per month Average homeowners insurance cost for a $200,000 house in Rockford Average homeowners insurance cost for a $300,000 house in Rockford Average homeowners insurance cost in Rockford by company Methodology ZIP Code Please enter valid ZIP See rates