Buy Cheap Rockford, IL Auto Insurance
On average, Rockford, IL auto insurance costs $278 per month or $3,341 annually. The cheapest Rockford, IL auto insurance company is Liberty Mutual. However, your rates depend on your age, driving record, and coverage needs. Legally, all Rockford residents must carry the Illinois minimum auto insurance limits of 25/50/20 in liability coverage plus uninsured motorist coverage to drive on the roads.
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UPDATED: Jul 15, 2021
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- On average, Rockford, IL auto insurance costs $278 per month or $3,341 annually
- Liberty Mutual provides the cheapest average quotes in your city
- Despite moderate traffic congestion and a high auto theft rate, Rockford rates are still more affordable than Chicago
The average Rockford, IL auto insurance rates are $278 per month or $3,341 annually. However, your rates vary based on your age, driving record, and coverage needs.
Below, compare accurate rates from the best insurance companies in your city and learn how to secure the cheapest Rockford, Illinois auto insurance.
When you’re ready, you can compare affordable Rockford, IL auto insurance quotes by entering your ZIP code into our free rate tool above.
What is the cheapest auto insurance company in Rockford, IL?
The cheapest average Rockford, IL auto insurance company is Liberty Mutual. However, each insurance provider uses a different formula to calculate rates.
Below, check out the average annual premiums from the top insurance providers in Rockford:
- Liberty Mutual – $2,251.13
- Nationwide – $2,416.44
- Travelers – $2,528.60
- State Farm – $2,631.21
- GEICO – $2,733.07
- USAA – $2,763.75
- American Family – $3,717.40
- Progressive – $4,092.91
- Farmers – $4,860.47
- Allstate – $5,418.31
To truly secure your lowest premiums, compare quotes online from multiple different companies.
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What auto insurance coverage is required in Rockford, IL?
All Rockford residents must carry the Illinois minimum auto insurance limits to drive on the roads legally.
Currently, Illinois requires the following coverages:
- $25,000 per person and $50,000 per incident in bodily injury liability coverage
- $20,000 per incident in property damage liability coverage
- $25,000 per person and $50,000 per incident in underinsured/uninsured motorist insurance
Illinois is an at-fault or tort state. If you ever cause an accident, you use your mandatory liability auto insurance to pay for the damages to the other party involved.
What affects auto insurance rates in Rockford, IL?
Rockford is one of the largest cities in Illinois. Therefore, the moderate traffic congestion and high auto theft rate in your city impact your regional insurance prices.
INRIX ranks Rockford as the 84th most congested city in America. Drivers lose an average of 10 hours to traffic every year.
Driving often during rush hour traffic can sometimes increase your insurance costs. Fortunately, commute times in your city aren’t too long.
According to City-Data, the average commute length for Rockford residents is only 19.7 minutes, shorter than the national average of 26 minutes.
However, the Federal Bureau of Investigation (FBI) recorded 450 auto thefts in Rockford in 2017. Unfortunately, that rate of 306.6 stolen vehicles per 100,000 people is higher than the state average, negatively impacting your regional insurance costs.
Rockford, IL Auto Insurance: The Bottom Line
Despite traffic congestion and auto theft rates that are worse than the state average, Rockford auto insurance rates are lower than many other major Illinois cities.
For example, Chicago, IL auto insurance costs $377 per month on average, compared to only $278 per month in Rockford.
By comparing quotes online and asking about auto insurance discounts, you’ll quickly find cheap auto insurance policies in your city.
Now that you’re ready to buy Rockford, IL auto insurance, enter your ZIP code into our free quote tool below to start shopping.