Average car insurance cost in Rockford, IL

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The average car insurance cost in Rockford, Illinois is $1,509 per year, according to Insure.com data analysis. Also, the car insurance rates in Rockford is $23 less than the average rates in Illinois and $386 less than the national average.

Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions.

This article provides details on the most and least expensive car insurance companies in Rockford, the average car insurance rates categorized by age and gender, and the cost of car insurance in Rockford based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Rockford. Read on to learn more.

Cheap car insurance companies in Rockford

Auto Club Group – ACG (AAA) offers the most affordable car insurance in Rockford for coverage limits of 100/300/100 at $1,001 per year.

The Geico comes close second offering car insurance at $1,041 per year.

As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in Rockford that align with your needs before finalizing your insurance carrier.

Here are the average annual and monthly costs for the various car insurance companies providing coverage in Rockford, Illinois:

Read about the best car insurance companies.

Average car insurance cost in Rockford by coverage limits

In Rockford, the average car insurance rates based on coverage types are as follows:

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

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

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

Car insurance rates in Rockford, are highest for teens at $4,884 per year or $407 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $2,488 annually for their car insurance, which is $2,396 less than what teens pay for their insurance coverage.

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

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts 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

Car insurance rates in Rockford are lower than the average rates in Illinois. Drivers in Rockford can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

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

 

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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.