Everything You Need to Know

Rockford drivers must carry proof of insurance in their vehicles at all times. Motorists who can not provide proof of insurance will face a $100 fine. Minimum car insurance in Rockford, Illinois, is regulated by the state. Here are the required state minimums for Illinois:

• Bodily injury liability: $25,000 per person and $50,000 per accident.
• Property damage liability: $20,000 per accident.
• Uninsured and underinsured motorist: $25,000 per person and $50,000 per accident.

Car Insurance: Rockford Rates vs. State and National Averages

Rockford’s average yearly car insurance rates are $1174, $54 more than the Illinois average of $1228 and almost $400 cheaper than the national average.

Rockford Auto Insurance Costs by Insurer

Take a look at the best car insurance companies in Rockford, Illinois, ranked from most expensive to least expensive per CarInsuranceComparison.com:

• Allstate: $5418.
• Farmers: $4860.
• Progressive: $4093.
• American Family: $3717.
• USAA: $2764.
• GEICO: $2733.
• State Farm: $2631.
• Travelers: $2529.
• Nationwide: $2416.
• Liberty Mutual: $2251.

Rockford Auto Insurance Premiums by Driver Age

Teen drivers have some of the highest car insurance premiums in Rockford. This is because insurance providers believe their lack of driving experience results in more accidents and more claims. Insurance companies counter this risk by requiring much higher premiums for young people. Young drivers may lower their rates by taking advantage of specialized discounts like a good student discount or a driver’s education discount.

Drivers in their 50s have the cheapest auto insurance rates when compared to other age groups. The largest gap in the cost of insurance comes between teens and those in their 20s. According to Insurify, drivers who age out of the “teens” age bracket save an average of $2998 a year. Motorists turning 60 will typically see an increase in their monthly rates. Until the age of 60, most drivers see a reduction in monthly premiums as they age.

These are the average annual car insurance rates by age group per TheZebra:

• Teens: $4652.
• 20s: $1654.
• 30s: $1153.
• 40s: $1122.
• 50s: $1012.
• 60s: $1075.
• 70s: $1307.

Rockford Car Insurance Premiums by Gender and Marital Status

Drivers who are married can save on insurance premiums by bundling their policies with their spouses. Bundling insurance policies is a great way to get discounts and can also be done by bundling your home and renters insurance with your auto insurance policy. Bundling your car insurance policy with your homeowners or renters coverage with a single insurance provider could save you up to 20 percent.

According to AutoInsuranceEZ, most insurance providers aren’t accounting for gender anymore. Men and women pay a surprisingly similar amount for car insurance in Rockford. Insurance companies have found no strong data to suggest any difference between accident rates for men versus women. Some providers still charge slightly different rates by gender, but whether men or women receive this benefit depends on the insurer.

These are the average annual rates by gender and marital status:

• Female: $1170.
• Male: $1174.
• Single: $1174.
• Married: $1090.
• Divorced: $1174.
• Widowed: $1173.

Rockford Insurance Rates After a Violation or Accident

One of the most important factors in determining your auto insurance rates is your driving record. Some insurance providers offer a discount of up to 40 percent for having no recent violations or accidents.

By knowing how much a violation could cost you in insurance premiums alone, you might choose to make safer decisions in the future. Reckless driving will increase your car insurance premiums more than other driving violations, costing reckless drivers an average of $2702 each year. Car insurance after a DUI will cost 117 percent more than the city average of $1174, and causing a traffic accident costs an average of $1780 in yearly premiums.

These are the average annual rates after a violation in Rockford:

• Reckless Driving: $2702.
• Speeding Ticket: $1416.
• DUI: $2551.
• At-fault Accident: $1780.

Rockford Auto Insurance Premiums by Credit Tier

Another telling factor in your auto insurance rates Is your credit score. The higher your credit score, the lower your rates will be. Ensuring you have the highest credit score possible can greatly impact the amount of money you save each year.

Policyholders with credit scores as low as 300-579 pay 2.3 times more on average than those in the highest credit tier. Motorists save the most when moving from “Very Poor” to “Fair” credit tiers, saving almost $400 annually.

Check out these annual rates by credit tier in Rockford:

• Very Poor: $2351.
• Fair: $1919.
• Good: $1520.
• Very Good: $1237.
• Exceptional: $1040.

Expensive Illinois Cities

Where you live, drive, work, and park your car at night will help determine your auto insurance rates. Denser populations and areas with higher rates of crime pay more than more rural and safer areas.

These are some of the most expensive cities for car insurance in Illinois and their monthly rates:

• Joliet: $159.
• Chicago: $139.

Cheaper Illinois Cities

Rockford is among the cheapest cities for car insurance in Illinois. These are the monthly rates of cities with the lowest average car insurance rates in Illinois:

• Rockford: $111.
• Aurora: $120.
• Naperville: $124.

List of Insurance Companies in Rockford

Many insurance providers offer policies in Rockford, Illinois, per QuoteWizard. Some of the most common insurers are Allstate, GEICO, Progressive, Farmers, Liberty Mutual, Esurance, State Farm, Country Financial, American Family, and Nationwide.

Finding the right car insurance for you and your family is an important endeavor. With free and instant quotes online, that task becomes a breeze. Head online to your preferred insurance provider’s website and start your auto insurance policy as soon as today.

Check this out if you need additional information, resources, or guidance on car insurance.

Sources:

Car and Driver Car Insurance Hub | caranddriver.com

Compare Rockford, IL Car Insurance Rates (2021) | carinsurancecomparison.com

Cheap Auto Insurance Quotes in Rockford, IL (2021) | insurify.com

Rockford, IL Car Insurance | thezebra.com

Rockford, IL Auto Insurance | Cheap Car Insurance in Rockford, IL | autoinsuanceEZ.com

Best Auto Insurance Rates in Rockford, Illinois | quotewizard.com

Does Filing a Claim Increase Car Insurance? | caranddriver.com

Does Liability Insurance Cover Theft: Everything You Need to Know | caranddriver.com

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