Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Rockford for teen drivers is Nationwide
  • Average car insurance rates in Rockford, IL for senior drivers are $1,889/year
  • Average car insurance rates in Rockford, IL are $278/month

Average car insurance rates in Rockford, Illinois are $278 a month. But with a little research you can get a great deal from the top car insurance companies in Rockford, IL. Before you buy Rockford, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Rockford car insurance rates with Aurora car insurance rates, Cicero car insurance rates, or Peoria car insurance rates to make sure you’re getting the best Rockford, IL car insurance quotes available.

Need affordable Rockford, IL car insurance? Enter your ZIP code to compare Rockford car insurance quotes from multiple car insurance companies near you.

Rockford, IL Minimum Car Insurance Coverage

Rockford, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Rockford, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Rockford, IL Car Insurance Rates by Coverage Level

Some Rockford drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your Rockford, Illinois car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Rockford, Illinois

Insurance Company Low Medium High
Allstate $5,259 $5,413 $5,582
American Family $3,566 $3,854 $3,732
Farmers $4,617 $4,741 $5,224
GEICO $2,481 $2,729 $2,990
Liberty Mutual $2,133 $2,247 $2,373
Nationwide $2,391 $2,439 $2,419
Progressive $3,719 $4,073 $4,487
State Farm $2,481 $2,636 $2,776
Travelers $2,370 $2,525 $2,690
USAA $2,573 $2,761 $2,957

Rockford, IL Car Insurance Rates by Age, Gender, and Marital Status

Rockford, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Rockford, IL car insurance, get quotes from multiple car insurance companies in the Rockford area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Rockford, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,430 $3,446 $3,592 $3,592 $9,000 $11,700 $4,126 $4,461
American Family $2,292 $2,292 $2,105 $2,105 $6,595 $9,095 $2,292 $2,963
Farmers $2,560 $2,558 $2,264 $2,398 $11,309 $11,804 $2,930 $3,059
GEICO $1,637 $1,675 $1,591 $1,935 $5,399 $5,604 $2,066 $1,957
Liberty Mutual $1,376 $1,483 $1,143 $1,275 $4,629 $5,143 $1,440 $1,519
Nationwide $1,556 $1,580 $1,390 $1,468 $4,204 $5,377 $1,806 $1,951
Progressive $2,345 $2,201 $1,937 $2,036 $8,687 $9,743 $2,788 $3,007
State Farm $1,611 $1,611 $1,454 $1,454 $4,850 $6,128 $1,827 $2,116
Travelers $1,568 $1,652 $1,445 $1,538 $4,698 $5,922 $1,659 $1,746
USAA $1,650 $1,683 $1,536 $1,518 $5,303 $5,849 $2,174 $2,396

Rockford, IL Car Insurance Rates for Teens

How much is Rockford, Illinois car insurance for teens? Compare rates from top Rockford car insurance companies below to help find the cheapest teen car insurance in Rockford, IL.

Annual Car Insurance Rates for Teen Drivers in Rockford, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,000 $11,700
American Family $6,595 $9,095
Farmers $11,309 $11,804
GEICO $5,399 $5,604
Liberty Mutual $4,629 $5,143
Nationwide $4,204 $5,377
Progressive $8,687 $9,743
State Farm $4,850 $6,128
Travelers $4,698 $5,922
USAA $5,303 $5,849

Rockford, IL Car Insurance Rates for Seniors

Before seniors buy Rockford, Illinois car insurance, they should make sure to shop around. Some Rockford, IL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Rockford, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,592 $3,592
American Family $2,105 $2,105
Farmers $2,264 $2,398
GEICO $1,591 $1,935
Liberty Mutual $1,143 $1,275
Nationwide $1,390 $1,468
Progressive $1,937 $2,036
State Farm $1,454 $1,454
Travelers $1,445 $1,538
USAA $1,536 $1,518

Rockford, IL Car Insurance Rates by Credit History

How does your credit history affect Rockford, IL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Rockford, Illinois

Insurance Company Poor Fair Good
Allstate $6,896 $4,992 $4,367
American Family $4,931 $3,368 $2,853
Farmers $5,509 $4,650 $4,423
GEICO $4,389 $2,142 $1,669
Liberty Mutual $3,181 $1,989 $1,583
Nationwide $2,875 $2,330 $2,045
Progressive $4,658 $3,959 $3,662
State Farm $3,827 $2,291 $1,776
Travelers $3,074 $2,493 $2,018
USAA $3,680 $2,528 $2,083

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Rockford, IL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Rockford, Illinois car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Rockford.

Annual Rockford, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,840 $6,597 $6,155 $5,081
American Family $2,732 $3,882 $5,158 $3,098
Farmers $4,100 $5,298 $5,165 $4,879
GEICO $1,960 $2,675 $3,864 $2,434
Liberty Mutual $1,873 $2,663 $2,340 $2,129
Nationwide $1,957 $2,518 $2,951 $2,240
Progressive $3,363 $5,023 $3,732 $4,253
State Farm $2,389 $2,873 $2,631 $2,631
Travelers $2,010 $2,642 $2,942 $2,521
USAA $1,971 $2,831 $3,877 $2,377

Rockford, IL Car Insurance Rates With a DUI

Even a single DUI can increase your Rockford, IL car insurance rates. Compare rates below to see which Rockford car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Rockford, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,155
American Family $5,158
Farmers $5,165
GEICO $3,864
Liberty Mutual $2,340
Nationwide $2,951
Progressive $3,732
State Farm $2,631
Travelers $2,942
USAA $3,877

Rockford, IL Car Insurance Rates by ZIP Code

Just like Rockford car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Rockford, IL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Rockford, Illinois

ZIP Code Average Annual Rates
61101 $3,395
61102 $3,295
61103 $3,405
61104 $3,512
61107 $3,210
61108 $3,301
61109 $3,218
61112 $3,193
61114 $3,267

Rockford, IL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Rockford, IL car insurance rates may be. Let’s take a look at average car insurance rates from top Rockford companies based on commute time.

Annual Car Insurance Rates by Commute Length in Rockford, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,418 $5,418
American Family $3,670 $3,765
Farmers $4,860 $4,860
GEICO $2,686 $2,780
Liberty Mutual $2,251 $2,251
Nationwide $2,416 $2,416
Progressive $4,093 $4,093
State Farm $2,565 $2,698
Travelers $2,429 $2,628
USAA $2,686 $2,841

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Rockford, IL Cheapest Car Insurance Rates

How do the top Rockford, Illinois car insurance companies’ average rates stack up against the Rockford average monthly car insurance rates of $278? Take a look and see.

Best Annual Car Insurance Rates by Company in Rockford, Illinois

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

Rockford, IL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Rockford, Illinois car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Rockford, Illinois

Insurance Company Average Annual Rates
Allstate $5,418
American Family $3,717
Farmers $4,860
GEICO $2,733
Liberty Mutual $2,251
Nationwide $2,416
Progressive $4,093
State Farm $2,631
Travelers $2,529
USAA $2,764

Other Factors Affecting Rockford, IL Car Insurance Rates

Before you buy Rockford, Illinois car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Rockford, IL Commute Time

How does your Rockford, IL commute time compare with the average driver? In Rockford, the average commute is 21.3 minutes.

Rockford, IL Traffic

Spending time in Rockford traffic can lead to higher car insurance rates. According to INRIX data, Rockford, IL ranks as the 463rd-most congested with traffic in the world.

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Rockford, IL Car Insurance Quotes

Compare Rockford, IL car insurance quotes from multiple companies by entering your ZIP code now.