Best Rockford, IL Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
The best Rockford, IL auto insurance comes from State Farm, Geico, and Progressive, with rates starting at $75 per month. These companies are the best in Rockford, Illinois, because they offer low prices, flexible plans, and excellent customer service, making them a top choice for drivers.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Dec 17, 2024
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13,128 reviewsDiscover the best Rockford, IL auto insurance with State Farm, Geico, and Progressive. State Farm is frequently ranked as the best driver option. With rates starting at $75 per month.
State Farm is the best driver option, with dependable coverage and excellent customer service. Also, the different policy options can meet the needs of many drivers in Rockford, making it an excellent choice for reliable and valuable insurance. View this guide, “ Illinois Auto Insurance,” for more information.
Our Top 10 Company Picks: Best Rockford, IL Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Service | State Farm |
 | #2 | 25% | A++ | Low Rates | Geico |
 | #3 | 10% | A+ | Coverage Options | Progressive |
 | #4 | 25% | A+ | Extensive Protection | Allstate |
 | #5 | 25% | A | Family Savings | American Family |
 | #6 | 10% | A++ | Military Families | USAA |
 | #7 | 20% | A | Tailored Policies | Farmers |
 | #8 | 20% | A+ | Wide Coverage | Nationwide |
 | #9 | 25% | A | Discount Bundles | Liberty Mutual |
 | #10 | 13% | A++ | Eco-Friendly Vehicles | Travelers |
Geico and Progressive offer affordable and reliable auto insurance options tailored to Rockford drivers. With many benefits, such as lower monthly rates and flexible coverage choices, these providers ensure drivers can find peace of mind while on the road.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
- Discover top Rockford, IL auto insurance options to fit your budget and needs
- Enjoy rates from $75 with custom policies for Rockford drivers
- State Farm is the top choice for reliable coverage and affordable rates
#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Coverage: State Farm offers reliable coverage options for the best Rockford auto insurance, with an affordable starting monthly rate of $85.
- Bundling Discounts: Save more with a 17% discount when bundling auto and home insurance in Rockford.
- Strong Customer Support: State Farm is recognized for its excellent customer support, making it a trusted choice for Rockford auto insurance.
Cons
- Limited Discount Rates: The 17% bundling discount is lower than some other options for Rockford auto insurance.
- Premium Costs: Costs can go up for higher coverage levels in Illinois. Visit our guide, “State Farm Auto Insurance Review,” to learn more.
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#2 – Geico: Best for Low Rates
Pros
- Affordable Rates: Geico offers some of the best Rockford auto insurance rates, starting at just $90/month for minimum coverage.
- Generous Bundling Discount: A 25% bundling discount can help drivers in Rockford to save more by combining policies.
- Strong Financial Rating: Geico’s strong financial ensures it remains a trustworthy option for drivers in Rockford, Illinois.
Cons
- Limited Coverage Options: Geico has fewer coverage options than other Rockford auto insurance providers.
- Customer Service: Customer service feedback is mixed for Geico in Rockford, Illinois. Learn more in our guide, “Geico Auto Insurance Review.”
#3 – Progressive: Best for Coverage Options
Pros
- Flexible Coverage: Progressive’s flexible coverage options make it one of the best Rockford auto insurance choices for drivers with specific needs.
- Snapshot Program Savings: Snapshot program savings can lower costs for safe drivers in Rockford, Illinois, with rates starting at $96/month.
- Strong Financial Rating: It provides reliability for Rockford policyholders. Learn more in our comprehensive, “Progressive Auto Insurance Review‘ guide.
Cons
- Bundling Discounts: Progressive’s 10% bundling discount is less competitive than other Rockford auto insurance options.
- Higher Full Coverage Costs: At $160/month, it is less budget-friendly for some Rockford auto insurance customers.
#4 – Allstate: Best for Extensive Protection
Pros
- Comprehensive Protection: Allstate offers extensive protection, making it one of the best Rockford auto insurance options with minimum coverage starting at $110/month.
- High Bundling Discount: Allstate gives 25% bundling discount, providing excellent savings opportunities for Rockford customers.
- Financial Strength: With an A+ rating, Allstate ensures stability and reliable claim payouts for Rockford policyholders. Check out our “Allstate Auto Insurance Review” guide to learn more.
Cons
- High Starting Rates: Allstate’s monthly minimum coverage rates of $110 are among the highest for Rockford auto insurance.
- Limited Eco-Friendly Options: Customers seeking green insurance initiatives may need more options with Allstate in Illinois.
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#5 – American Family: Best for Family Savings
Pros
- Family Discounts: The American Family discounts families, making it a good choice for drivers in Rockford.
- Good Value for Full Coverage: Full coverage for $140 per month offers good protection for families in Rockford, Illinois.
- Bundling Savings: You can save up to 25% by combining policies, making the American Family a budget-friendly choice.
Cons
- Expensive Minimum Coverage: Minimum coverage starts at $95 monthly, which may be a better option for Rockford drivers.
- Limited Extra Coverage Options: A few unique options might not suit drivers in Illinois. Refer to our guide, “American Family Auto Insurance Review,” for further details.
#6 – USAA: Best for Military Families
Pros
- Military Focus: Tailored for military families, USAA offers the best Rockford auto insurance for those with military connections. Check out our “USAA Auto Insurance Review” for more.
- Low Minimum Coverage: Starting at just $75/month helps military families save on Rockford auto insurance.
- Strong Financial Stability: An A++ rating ensures trustworthiness for Rockford customers.
Cons
- Eligibility: Limited to military members and their families in Rockford, Illinois.
- Limited Discounts: Few discounts outside military-specific offers may be a downside for some Rockford auto insurance shoppers.
#7 – Farmers: Best for Tailored Policies
Pros
- Personalized Coverage: Farmers give personalized coverage, making it one of the best options for tailored Rockford, Illinois, auto insurance.
- Bundling Discount: A 20% bundle discount enhances Rockford customers’ value. Discover more in our detailed guide, “Farmers Auto Insurance Review.”
- Stable Financial Standing: An A rating supports confidence in Farmers’ services for Rockford, Illinois, auto insurance.
Cons
- High Full Coverage Cost: At $175/month, coverage may be prohibitive for some Rockford buyers.
- Digital Experience: Online tools could be improved for better management of Rockford auto insurance.
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#8 – Nationwide: Best for Wide Coverage
Pros
- Lots of Coverage Options: Nationwide meets various needs, making it a strong choice for the best auto insurance in Rockford, Illinois.
- Affordable Full Coverage: At $155/month, coverage is a reasonable option for Rockford auto insurance. For complete information, consult our guide, “Nationwide Auto Insurance Review.”
- 20% Bundling Discount: It provides excellent savings for Rockford, Illinois auto insurance policyholders.
Cons
- Higher Minimum Coverage: Starting at $100/month may be less budget-friendly for Rockford drivers.
- Mixed Service Feedback: Customer service feedback is mixed, which could affect the experience of Rockford auto insurance customers.
#9 – Liberty Mutual: Best for Discount Bundles
Pros
- Significant Savings with Bundling: Liberty Mutual is known for offering incredible savings when you bundle your policies, making it a top choice for car insurance in Rockford, Illinois.
- Affordable Full Coverage: At about $170 per month, Liberty Mutual offers good value for full coverage. Check out our guide, “Liberty Mutual Auto Insurance Review,” for more details.
- Considerable Bundling Discount: A 25% bundle discount is a big plus for Rockford customers looking to save on car insurance.
Cons
- Costly Minimum Coverage: Starting at $115 per month, Liberty Mutual’s minimum coverage might not be the cheapest option for buyers in Rockford.
- Few Payment Options: Limited ways to pay could make it harder for some customers to manage their car insurance payments.
#10 – Travelers: Best for Eco-Friendly Vehicles
Pros
- Eco-Friendly Savings: Travelers offer savings for eco-friendly vehicles, making it a good choice for environmentally conscious drivers in Rockford, Illinois.
- Affordable Full Coverage: At $150/month, it offers good value for Rockford drivers. For extra details, visit our guide, “Travelers Auto Insurance Review.”
- Bundling Discount: You can save 13% by bundling policies, which adds value for Rockford customers.
Cons
- Higher Minimum Coverage: Starting at $97 monthly may not work for budget-conscious Rockford drivers.
- Limited Online Tools: Managing your account can be challenging because Travelers doesn’t offer many online resources. This might be inconvenient for some Rockford customers.
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Auto Insurance Coverage Requirements in Illinois
In Illinois, auto insurance is required by law to ensure that the drivers are financially responsible in accidents. This guide covers the state’s minimum coverage requirements and optional protections to help drivers stay compliant and protected.
Driving legally in Rockford requires:
Rockford, IL Minimum Auto Insurance Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $20,000 per person / $40,000 per accident |
| Property Damage Liability | $15,000 per accident |
Driving an older car? Limiting your auto coverage might be wise. For newer, more valuable vehicles, consider coverage to protect your investment. In Illinois, drivers pay an average of $114 per month, but in Rockford, rates can be as low as $33 per month. With the right guidance, you can secure an affordable rate.
Rockford, IL Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $110 | $165 |
| $95 | $140 |
| $105 | $175 |
| $90 | $145 |
| $115 | $170 |
| $100 | $155 |
| $96 | $160 |
| $85 | $146 |
| $97 | $150 |
| $75 | $130 |
A variety of companies, including USAA, State Farm, and Geico, offer competitive rates. These three rank as the top companies with the lowest minimum rates in Rockford. However, choosing auto insurance isn’t just about finding low rates, customer service, and claim ease. Company reputation is also an important factor that needs to be considered. Explore our guide, “Compare Auto Insurance Companies,” for more information.
Major Factors in Cheap Car Insurance in Rockford, Illinois
Your insurer will evaluate several different metrics before giving you an official quote. By knowing these factors beforehand, you can try to adjust them in ways that will get you a better deal.
To find the best auto insurance in Rockford, IL, focus on coverage, price, and customer support.
Chris Abrams Licensed Insurance Producer
To sum up, finding cheap car insurance in Rockford, Illinois, depends on key factors like age, driving history, type of car, and coverage level. Compare quotes and look for discounts to get the best rate for your needs. For more information, view our guide, “Car Insurance Discounts.”
Your ZIP Code
In general, the larger your city, the higher your insurance rates will be. This has to do with the fact that larger cities have more cars and drivers on the road, which increases the statistical probability of an accident.
Rockford, IL Auto Insurance Monthly Rates by ZIP Code
| ZIP | Rates |
|---|---|
| 61102 | $110 |
| 61107 | $111 |
| 61114 | $111 |
| 61101 | $112 |
| 61112 | $112 |
| 61103 | $113 |
| 61104 | $114 |
| 61108 | $114 |
| 61109 | $114 |
Rockford has a population of 150,251 with an estimated average household income of $40,215.
Automotive Accidents
Another factor that may increase your automotive insurance rates has to do with the accident statistics in your area. Looking at the chart above, it appears as though Rockford has a higher rate of accidents than similarly sized cities within the state of Illinois.
Rockford, IL Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 5,000 |
| Total Claims Per Year | 3,500 |
| Average Claim Size | $4,500 |
| Percentage of Uninsured Drivers | 11.8% |
| Vehicle Theft Rate | 530 thefts/year |
| Traffic Density | Moderate |
| Weather-Related Incidents | Moderate |
Unfortunately, this could result in a noticeable increase in your total insurance costs. This means that your premiums, as well as other potential out-of-pocket expenses, may rise, impacting the overall affordability of your coverage over time.
Auto Thefts in Rockford
To protect against auto theft, install an anti-theft device, which can deter thieves and may lead to a policy discount.
Stress? Gone. Money? Saved. Protect your dreams under our roof by bundling home and auto today! https://t.co/91ZZlwj7F1 pic.twitter.com/ukNSUszqs8
— American Family Insurance (@amfam) October 11, 2023
You can also consider comprehensive coverage, though it can be expensive. In 2013, Rockford reported 372 auto thefts, a decrease from previous years.
Your Credit Score
Do you know what your credit score is? Because your insurance provider does. In fact, it plays a substantial role in what they charge you each month. The better your credit score is, the lower your rates will be.
Rockford, IL Auto Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $105 | $139 | $178 |
| $60 | $72 | $94 |
| $77 | $99 | $121 |
| $67 | $88 | $113 |
| $150 | $195 | $250 |
| $62 | $80 | $100 |
| $105 | $140 | $180 |
| $70 | $90 | $113 |
| $72 | $101 | $126 |
| $50 | $65 | $85 |
Therefore, it’s in your best interest to do whatever you can to make sure you have the best credit score possible. Improving your credit by reducing debt and making timely payments can help you save on insurance.
Your Age
Sadly, younger drivers have some of the highest automotive insurance rates in the market today. The young drivers are more likely to be involved in accidents due to limited experience, leading our insurers to charge them higher premiums to offset the increased risk.
All drivers under 25 can reduce these costs by qualifying for discounts, such as the good student discount for maintaining high grades or the Driver’s Education Discount for completing safety-focused training.
Your Driving Record
Have you heard of “accident forgiveness”? It’s a new type of discount that many companies are offering their clients.
Rockford, IL Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $139 | $167 | $195 | $278 |
| $72 | $86 | $100 | $142 |
| $405 | $486 | $567 | $810 |
| $88 | $106 | $124 | $177 |
| $188 | $226 | $264 | $377 |
| $106 | $127 | $148 | $211 |
| $140 | $168 | $196 | $280 |
| $117 | $140 | $163 | $233 |
| $101 | $121 | $141 | $202 |
| $153 | $184 | $215 | $307 |
In short, your provider will ignore one or more minor blemishes on your driving history, thereby giving you discounts on your auto policy.
Auto Insurance Discounts From the Top Providers in Rockford, IL
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving, Anti-Theft, Multi-Policy, New Car, Good Student, Early Signing, Automatic Payments, Senior Discount |
| Multi-Policy, Good Driver, Loyalty, Teen Driver, Steer into Savings, Defensive Driver, Auto Safety Equipment, Low Mileage |
| Signal App, Multi-Policy, Homeowner, Good Student, Safe Driver, Alternative Fuel, Business/Professional Group |
| Military, Federal Employee, Multi-Policy, Anti-Theft, Good Student, Good Driver, Defensive Driving, Emergency Deployment, Vehicle Safety Features |
| Early Shopper, Military, Multi-Policy, Paperless Billing, New Vehicle, Safe Driver, Affinity Groups, Anti-Theft, Hybrid Vehicle |
| SmartRide, Multi-Car, Multi-Policy, Good Student, Accident-Free, Defensive Driving, Easy Pay Sign-Up, Paperless Billing |
| Snapshot, Multi-Car, Multi-Policy, Homeowner, Continuous Insurance, Good Student, Teen Driver, Online Quote, Pay-in-Full |
| Safe Driver, Good Student, Multi-Policy, Anti-Theft, Accident-Free, Vehicle Safety, Defensive Driving, Drive Safe & Save |
| Multi-Policy, New Car, Safe Driver, Homeowner, Good Payer, Paid-in-Full, Hybrid/Electric Vehicle, Early Quote, Continuous Coverage |
| Military, Safe Driver, Defensive Driving, Multi-Policy, Good Student, New Vehicle, Family Discount, Loyalty, Stored Vehicle (for deployment) |
This can prevent your premium from rising after a small fender-bender or traffic offense, helping you save money while keeping your coverage. It’s a way for insurers to reward drivers and provide peace of mind after a mistake behind the wheel.
Your Vehicle
Insurance on luxury cars doesn’t come cheap, as the chart above shows. But then again, you’re purchasing insurance on an expensive investment.
Rockford, IL Auto Insurance Monthly Rates by Vehicle & Coverage Level
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| 2024 BMW 3 Series | $95 | $180 |
| 2024 Chevrolet Silverado | $70 | $140 |
| 2024 Ford F-150 | $68 | $135 |
| 2024 Honda Accord | $60 | $120 |
| 2024 Hyundai Elantra | $58 | $115 |
| 2024 Jeep Grand Cherokee | $75 | $150 |
| 2024 Mercedes-Benz C-Class | $100 | $190 |
| 2024 Nissan Altima | $62 | $125 |
| 2024 Subaru Outback | $65 | $130 |
| 2024 Toyota Camry | $63 | $128 |
You’re going to need extra coverage (and in higher amounts) to protect your vehicle in case it gets stolen, damaged by weather, or wrecked in a serious accident.
Minor Factors in Cheap Auto Insurance in Rockford, Illinois
When shopping for affordable auto insurance in Rockford, Illinois, minor factors like credit score, coverage level, location, and car safety features can affect rates. Visit our guide, “These Factors Affects your Auto Insurance Rates,” to explore further. 
Knowing these can help drivers find better deals and save money. Understanding these variables enables drivers to assess different options more effectively, helping them identify the most cost-efficient choices and optimize their savings.
Your Marital Status
If you’re married, then you have an advantage over singles in that you can get automobile insurance discounts by bundling your policy with your spouse. Furthermore, bundling different types of insurance under the same company can get you even more discounts.
Your Gender
Insurers are ending the practice of charging different premiums for men and women, as statistics show little difference in driving behavior.
Rockford, IL Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 34 Female | Age: 34 Male |
|---|---|---|---|---|
| $360 | $375 | $95 | $100 |
| $125 | $130 | $58 | $62 |
| $400 | $420 | $108 | $112 |
| $160 | $170 | $65 | $68 |
| $185 | $195 | $73 | $77 |
| $198 | $205 | $78 | $82 |
| $215 | $225 | $83 | $88 |
| $155 | $165 | $63 | $68 |
| $172 | $180 | $68 | $72 |
| $138 | $145 | $53 | $58 |
While some companies still charge different rates, the preference for male or female drivers varies by provider.
Your Driving Distance to Work
Rockford’s average commute time is 16–23 minutes. To reduce congestion, consider carpooling like 3–35% of others and save on gas. Insurance agents may ask about your mileage or driving purpose, but it usually only impacts your premium by 1-2%. Business vehicles typically cost 10% more to insure than personal ones.
Your Coverage and Deductibles
If you want more than just basic coverage, try raising your deductible in order to maintain a low monthly premium. The higher your deductible, the lower your monthly premium. However, make sure you have enough savings to cover the deductible if you need to file a claim.
Rockford, IL Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B | Moderate claim amounts |
| Traffic Density | B | Moderate urban traffic |
| Weather-Related Risks | C+ | Occasional severe weather |
| Uninsured Drivers Rate | C | Average uninsured rate |
| Vehicle Theft Rate | D | Higher-than-average thefts |
Without sufficient funds, you may incur significant out-of-pocket expenses, such as deductibles and co-pays, before your insurance coverage applies. This can delay access to necessary care and result in financial hardship, as you’ll be responsible for covering these costs until your insurance begins to pay.
Education in Rockford, IL
Think a high salary or fancy job lowers car insurance rates? It’s actually your education level that matters. Drivers with a college degree often get better rates. If you’re one of the 30% in Rockford without a degree, consider going back to school at Rock Valley College, Rasmussen College, or Rockford University.
Always compare quotes to find the best auto insurance in Rockford, IL, that suits your needs.
Tim Bain Licensed Insurance Agent
Shopping for affordable auto insurance is easier now with comparison sites like AutoinsuranceEZ.com, where you can get quotes from top insurers in minutes and let them compete for your business.
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Case Studies: Discover the Best Rockford, IL Auto Insurance
Discover how Rockford’s top auto insurers—State Farm, Geico, and Progressive—provided local drivers with affordable, tailored coverage solutions. For extra details, visit our guide, “Types of Auto Insurance Coverage.”
- Case Study #1 – State Farm’s Affordable Rates: A new Rockford driver, John, finds affordable coverage with State Farm for $75/month, including liability, collision, and safe driver discounts.
- Case Study #2 – Geico’s Flexible Options: Sarah, a business owner, found a flexible plan in Geico that gives both personal and business use at no extra cost.
- Case Study #3 – Progressive’s Family Coverage: Mark, a father of teen drivers, found affordable family coverage with Progressive, which offered multi-driver discounts and teen safety features.
These case studies highlight how Rockford’s best insurers deliver customized, reliable options for every driver. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
Frequently Asked Questions
What are the best auto insurance companies in Rockford, Illinois?
State Farm, Geico, and Progressive are the top providers in Rockford, offering competitive rates, reliable coverage, and strong customer service.
Why is State Farm a top pick for Rockford drivers?
State Farm is highly regarded for its affordable rates starting at $75, personalized coverage options, and excellent local customer support. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
How do I choose the best auto insurance policy for my needs?
Evaluate your driving habits, coverage needs, and budget. Compare quotes from top insurers like State Farm, Geico, and Progressive and choose a policy with the right balance of coverage and cost. Consult our guide, “Auto Insurance Coverage Options,” to know more.
How can I find affordable auto insurance in Rockford?
Compare quotes from multiple providers, consider available discounts (safe driver, multi-car, bundling), and assess coverage options to ensure the best value.
What are the minimum auto insurance requirements in Rockford, IL?
Illinois law requires a minimum of $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. Drivers may choose higher limits for added protection.
What coverage should Rockford drivers consider?
Drivers should have at least liability, comprehensive, and collision coverage. Optional coverages like roadside assistance, uninsured motorist protection, and rental reimbursement may be valuable.
Can I switch auto insurance providers if I find a better rate?
Yes, you can switch insurers at any time. Review your current policy for cancellation terms and compare rates from other providers to ensure you’re getting the best deal.
Are there discounts available for auto insurance in Rockford?
Yes, discounts are available for safe driving, multi-policy bundling, multiple vehicles, and student or military status. Providers like State Farm and Geico offer several discount programs.
Can high-risk drivers find auto insurance in Rockford?
Yes, high-risk drivers can get coverage through providers like State Farm, Geico, and Progressive, though rates will likely be higher. Consider policies with additional driver safety features to help reduce premiums over time. Get all the facts in our guide, “High Risk Drivers.”
How does adding a teenage driver affect my insurance rates in Rockford?
Adding a teenage driver typically increases premiums due to higher risk. However, discounts for good grades, driver safety courses, and multi-driver policies can help reduce costs. Avoid expensive auto insurance premiums by entering your ZIP code to see the cheapest rates for you.