Cheapest Car Insurance Quotes in Rock Falls

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Rock Falls Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Rock Falls

The car insurance rate in Rock Falls is $756 for a six-month policy, which is $113 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $388, making it a popular choice for budget-conscious drivers. Rates in Rock Falls can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Rock Falls

$756

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Rock Falls

1st place: AutoOwners Insurance Co

At $388 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $439 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $460 for six months, making it the third cheapest auto insurance company in Rock Falls.

Rock Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rock Falls, IL is AutoOwners Insurance Co, offering policies at just $388 for a six-month term. This is followed by Westfield, which has an average six-month premium of $439.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $703 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rock Falls drivers find the best deals.

Cheap Car Insurance Companies in Rock Falls, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$388	$66
Westfield	$439	$73
Country Financial	$460	$77
Travelers	$548	$92
American Family	$636	$107
Erie	$666	$111
USAA	$786	$132
State Farm	$791	$133
Progressive	$868	$146
Auto-Owners	$914	$152
Allstate	$1313	$221
Farmers	$1313	$221
Hanover	$817	$136
Mercury	$698	$117
Hastings Mutual	$703	$119

Key Takeaways

Way's key takeaways about car insurance in Rock Falls

The auto insurance costs in Rock Falls fall around $388 for six months.
The cheapest auto insurance company in Rock Falls is Mercury.
Teen drivers pay the highest rate in Rock Falls at $50 per month.

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Cheapest Minimum Liability Car Insurance in Rock Falls

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Rock Falls are given below.

Mercury provides the cheapest minimum car insurance coverage in Rock Falls. Their Average 6 Month Premium is $130. First Chicago is the most expensive at $171 for the same period.

Cheapest Liability Coverage in Rock Falls, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$130	$22
Westfield	$139	$23
Auto-Owners Insurance Co	$165	$28
Country Financial	$176	$30
Erie	$217	$37
Auto-Owners	$238	$40
Travelers	$238	$40
American Family	$274	$46
State Farm	$274	$46
USAA	$290	$49
Progressive	$336	$57
Allstate	$527	$89
Farmers	$646	$110
Hanover	$155	$26
AAA	$222	$37
First Chicago	$171	$29

Cheapest Full Coverage Car Insurance in Rock Falls

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Rock Falls is AutoOwners Insurance Co at $66 per month and $388 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rock Falls, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$388	$66
Westfield	$439	$73
Country Financial	$460	$77
Travelers	$548	$92
American Family	$636	$107
Erie	$666	$111
USAA	$786	$132
State Farm	$791	$133
Progressive	$868	$146
Auto-Owners	$914	$152
Allstate	$1313	$221
Farmers	$1313	$221
Hanover	$817	$136
Mercury	$698	$117
Hastings Mutual	$703	$119

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Average Car Insurance in Rock Falls by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Rock Falls, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Rock Falls, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Rock Falls's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Rock Falls

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$615
30s	Auto-Owners	$425
40s	Auto-Owners	$418
50s	Auto-Owners	$394
60s	Auto-Owners	$414
70s	Auto-Owners	$525

Cheapest Car Insurance Rates for Teen Drivers in Rock Falls,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rock Falls at $28 per month. At $295 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
Mercury	$191	$32
Auto-Owners Insurance Co	$207	$35
Country Financial	$703	$118
Erie	$863	$145
Travelers	$914	$154
USAA	$1592	$268
American Family	$1907	$321
State Farm	$2744	$462
Progressive	$2749	$463
Allstate	$3194	$538
Farmers	$3250	$547
AAA	$295	$50

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in Rock Falls.

As young drivers face the highest rates in Rock Falls, AutoOwners offers the cheapest auto insurance rates at $615 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Rock Falls, Mercury is the cheapest car insurance provider. At $197 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Rock Falls is State Farm, offering rates of around $2703 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$197	$33
Westfield	$258	$44
Hanover	$346	$57
Country Financial	$517	$87
Travelers	$573	$97
Progressive	$821	$138
American Family	$1007	$170
USAA	$1338	$228
Allstate	$2197	$366
Farmers	$2527	$430
State Farm	$2703	$451

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Car Insurance Rates with An Accident in Rock Falls

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Rock Falls, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Rock Falls

The cheapest car insurance companies after an at-fault accident in Rock Falls include AutoOwners Insurance Co and Westfield, offering $217 and $222, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $258.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$217	$37
Westfield	$222	$37
Mercury	$284	$47
Travelers	$496	$84
Erie	$501	$84
Country Financial	$506	$85
State Farm	$749	$126
USAA	$770	$130
American Family	$863	$145
Progressive	$1246	$210
Farmers	$1375	$231
Allstate	$2279	$384
AAA	$367	$63
First Chicago	$238	$40
Hastings Mutual	$258	$44

Rock Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rock Falls IL. For example, the car insurance in Rock Falls after a DUI increases to $713 for a six month policy. While the rate increases by $191 for a six-month policy in the case of a speeding ticket.

Rock Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$853	$142
One Med/PIP claim	$858	$146
Not-at-fault accident	$905	$151
One comp claim	$925	$157
Two Med/PIP claims	$925	$154
Failure to wear a seat belt	$992	$169
Driving without lights	$1002	$167
Child safety restraint	$1007	$171
Two comp claims	$1007	$168
Failure to show documents	$1023	$174
Speeding 6 - 10 MPH over limit	$1044	$174
Driving with expired registration	$1049	$178
Speeding 11 - 15 MPH over limit	$1070	$178
Driving too slowly	$1075	$183
Failure to yield	$1075	$179
Illegal turn	$1075	$183
At-fault accident - less than $1000	$1085	$181
Failure to stop at a red light	$1085	$184
Following too closely	$1085	$181
Speeding 16 - 20 MPH over limit	$1090	$185
Speeding in school zone	$1090	$182
Improper passing	$1095	$186
Wrong way/wrong lane	$1095	$183
Cell phone violation	$1116	$190
Texting while driving	$1116	$186
Passing school bus	$1127	$191
In 65 MPH zone	$1132	$189
Speeding 21 - 25 MPH over limit	$1142	$194
Operating a vehicle without permission	$1163	$194
At-fault accident - $1000-$2000	$1235	$210
At-fault accident - greater than $2000	$1255	$210
Open container	$1297	$221
Reckless driving	$1504	$251
Racing	$1519	$258
Driving with a suspended license	$1550	$258
Refusal to submit to a chemical test	$1561	$265
DUI	$1566	$261
Leaving scene of an accident/hit and run	$1582	$269

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Rock Falls after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Rock Falls.

The cheapest car insurance premiums in Rock Falls are offered by Mercury at $197 for a six-month policy. However, it can be as expensive as $2217 with companies like Farmers.

Rock Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$197	$33
Travelers	$527	$89
Erie	$610	$103
Progressive	$636	$107
Country Financial	$801	$135
American Family	$977	$164
State Farm	$1060	$178
USAA	$1241	$209
Allstate	$1948	$328
Farmers	$2217	$377

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Rock Falls are offered by Westfield at $165. However, it can be as expensive as $4062 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rock Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
Auto-Owners Insurance Co	$186	$31
Mercury	$202	$34
Erie	$217	$37
Hanover	$248	$42
Country Financial	$522	$88
USAA	$677	$113
State Farm	$925	$157
Travelers	$1049	$175
Progressive	$1085	$184
American Family	$1204	$203
Allstate	$3452	$587
Farmers	$4062	$677

Car Insurance Price Trends in Rock Falls, Illinois

Car insurance rates in Rock Falls have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Rock Falls rose by $168 in December compared to $166 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Rock Falls rose to $46 in December, compared to $44 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Rock Falls?

The car insurance in Rock Falls is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Rock Falls?

The cheapest car insurance in Rock Falls is $66 per month for full coverage.

How much is car insurance in Rock Falls for teenagers?

Car insurance for teenagers costs $165 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Rock Falls?

The average cost of car insurance is $869 for a six-month policy. It will cost around $126 per month to insure your car in Rock Falls.

Is car insurance expensive in Rock Falls?

Car insurance can be expensive in Rock Falls if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Rock Falls can be affordable.

Cheapest Car Insurance Quotes in Rock Falls

Why you can trust Way?

How Much Is Car Insurance in Rock Falls

Avg. Car Insurance in Rock Falls

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Rock Falls

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Rock Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Rock Falls, IL

Way's key takeaways about car insurance in Rock Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rock Falls

Cheapest Liability Coverage in Rock Falls, IL

Cheapest Full Coverage Car Insurance in Rock Falls

Cheapest Full Coverage Car Insurance Quotes in Rock Falls, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rock Falls by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Rock Falls, IL increasing?

Car Insurance Premiums by Age in Rock Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rock Falls,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Rock Falls.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Rock Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Rock Falls

Rock Falls Car Insurance Rates by Violation

Rock Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rock Falls after a DUI

Rock Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rock Falls after Speeding ticket

Car Insurance Price Trends in Rock Falls, Illinois

Average Car Insurance Cost in Rock Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rock Falls, IL

Car Insurance Rates by State in the USA (2025 Update)

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