Cheapest Car Insurance Quotes in Rockbridge

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Rockbridge Car Insurance

^$ 28

/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 Rockbridge

The car insurance rate in Rockbridge is $967 for a six-month policy, which is $96 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $395, making it a popular choice for budget-conscious drivers. Rates in Rockbridge 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 Rockbridge

$967

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Rockbridge

1st place: American Family

At $395 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $495 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $561 for six months, making it the third cheapest auto insurance company in Rockbridge.

Rockbridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rockbridge, IL is American Family, offering policies at just $395 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $495.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rockbridge drivers find the best deals.

Cheap Car Insurance Companies in Rockbridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$395	$68
Auto-Owners Insurance Co	$495	$82
Westfield	$561	$95
Travelers	$718	$121
Country Financial	$765	$129
Erie	$890	$150
USAA	$1061	$179
Auto-Owners	$1094	$184
Progressive	$1121	$189
State Farm	$1207	$203
Farmers	$1325	$225
Allstate	$1906	$321
Hanover	$1042	$173

Key Takeaways

Way's key takeaways about car insurance in Rockbridge

The auto insurance costs in Rockbridge fall around $395 for six months.
The cheapest auto insurance company in Rockbridge is Mercury.
Teen drivers pay the highest rate in Rockbridge at $64 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Rockbridge

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 Rockbridge are given below.

Mercury provides the cheapest minimum car insurance coverage in Rockbridge. Their Average 6 Month Premium is $165. AAA is the most expensive at $283 for the same period.

Cheapest Liability Coverage in Rockbridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$165	$28
Westfield	$178	$30
Auto-Owners Insurance Co	$211	$36
American Family	$224	$38
Erie	$276	$47
Travelers	$303	$51
Auto-Owners	$310	$52
Country Financial	$310	$52
USAA	$383	$64
State Farm	$408	$69
Progressive	$428	$72
Allstate	$633	$107
Farmers	$825	$140
Hanover	$198	$33
AAA	$283	$48

Cheapest Full Coverage Car Insurance in Rockbridge

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 Rockbridge is American Family at $68 per month and $395 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rockbridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$395	$68
Auto-Owners Insurance Co	$495	$82
Westfield	$561	$95
Travelers	$718	$121
Country Financial	$765	$129
Erie	$890	$150
USAA	$1061	$179
Auto-Owners	$1094	$184
Progressive	$1121	$189
State Farm	$1207	$203
Farmers	$1325	$225
Allstate	$1906	$321
Hanover	$1042	$173

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Average Car Insurance in Rockbridge 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 Rockbridge, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Rockbridge, 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, Rockbridge's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Rockbridge

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

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Cheapest Car Insurance Rates for Teen Drivers in Rockbridge,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rockbridge at $36 per month. At $376 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$211	$36
American Family	$244	$41
Mercury	$244	$41
Auto-Owners Insurance Co	$264	$44
Farmers	$428	$71
Country Financial	$1200	$202
Travelers	$1253	$211
Erie	$1424	$240
USAA	$2162	$364
Auto-Owners	$2361	$402
Progressive	$3323	$559
State Farm	$4108	$692
Allstate	$4483	$755
AAA	$376	$64

Teen Car Insurance Rates in IL by Age

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 Rockbridge, Mercury is the cheapest car insurance provider. At $251 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 Rockbridge is Farmers, offering rates of around $3225 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$251	$42
Westfield	$330	$56
American Family	$415	$71
Hanover	$442	$73
Travelers	$791	$133
Country Financial	$890	$150
Progressive	$1101	$185
USAA	$1951	$325
Erie	$2123	$361
Auto-Owners	$3020	$503
Allstate	$3455	$587
State Farm	$5156	$859
Farmers	$3225	$548

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Car Insurance Rates with An Accident in Rockbridge

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 Rockbridge, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Rockbridge

The cheapest car insurance companies after an at-fault accident in Rockbridge include American Family and AutoOwners Insurance Co, offering $264 and $276, respectively. AAA is an expensive provider with an average six-month premium of $468.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$264	$44
Auto-Owners Insurance Co	$276	$47
Westfield	$283	$48
Mercury	$363	$62
Farmers	$541	$90
Travelers	$666	$112
Erie	$825	$139
Country Financial	$877	$148
State Farm	$1108	$186
USAA	$1187	$200
Auto-Owners	$1240	$206
Progressive	$1675	$282
Allstate	$3250	$547
AAA	$468	$80

Rockbridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rockbridge IL. For example, the car insurance in Rockbridge after a DUI increases to $910 for a six month policy. While the rate increases by $244 for a six-month policy in the case of a speeding ticket.

Rockbridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1088	$181
One Med/PIP claim	$1094	$186
Not-at-fault accident	$1154	$192
One comp claim	$1180	$201
Two Med/PIP claims	$1180	$196
Failure to wear a seat belt	$1265	$215
Driving without lights	$1279	$213
Child safety restraint	$1285	$219
Two comp claims	$1285	$214
Failure to show documents	$1305	$222
Speeding 6 - 10 MPH over limit	$1332	$222
Driving with expired registration	$1339	$228
Speeding 11 - 15 MPH over limit	$1365	$228
Driving too slowly	$1372	$233
Failure to yield	$1372	$229
Illegal turn	$1372	$233
At-fault accident - less than $1000	$1384	$231
Failure to stop at a red light	$1384	$235
Following too closely	$1384	$231
Speeding 16 - 20 MPH over limit	$1391	$236
Speeding in school zone	$1391	$232
Improper passing	$1397	$238
Wrong way/wrong lane	$1397	$233
Cell phone violation	$1424	$242
Texting while driving	$1424	$238
Passing school bus	$1437	$244
In 65 MPH zone	$1444	$241
Speeding 21 - 25 MPH over limit	$1457	$248
Operating a vehicle without permission	$1484	$248
At-fault accident - $1000-$2000	$1576	$268
At-fault accident - greater than $2000	$1602	$268
Open container	$1655	$282
Reckless driving	$1919	$320
Racing	$1938	$330
Driving with a suspended license	$1978	$330
Refusal to submit to a chemical test	$1991	$339
DUI	$1998	$333
Leaving scene of an accident/hit and run	$2018	$343

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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 Rockbridge 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 Rockbridge.

The cheapest car insurance premiums in Rockbridge are offered by Mercury at $251 for a six-month policy. However, it can be as expensive as $2828 with companies like Farmers.

Rockbridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$251	$42
American Family	$264	$44
Travelers	$706	$119
Progressive	$850	$143
Erie	$1016	$171
Country Financial	$1180	$199
USAA	$1622	$273
State Farm	$1668	$281
Auto-Owners	$1760	$300
Allstate	$2796	$471
Farmers	$2828	$481

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 Rockbridge are offered by Westfield at $211. However, it can be as expensive as $5183 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rockbridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$211	$36
Auto-Owners Insurance Co	$238	$40
Mercury	$258	$43
American Family	$264	$44
Hanover	$316	$53
Erie	$659	$111
Country Financial	$791	$133
Travelers	$1002	$167
Auto-Owners	$1016	$173
State Farm	$1272	$212
USAA	$1404	$239
Progressive	$1437	$240
Allstate	$2994	$509
Farmers	$5183	$864

Car Insurance Price Trends in Rockbridge, Illinois

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

The average cost of full coverage in the Rockbridge dipped by $188 in January compared to $214 of December. In other words, there has been an decrease by $26 when you compare January and December.

The average cost of liability insurance in the Rockbridge dipped to $57 in January, compared to $59 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Rockbridge?

The car insurance in Rockbridge is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Rockbridge?

The cheapest car insurance in Rockbridge is $68 per month for full coverage.

How much is car insurance in Rockbridge for teenagers?

Car insurance for teenagers costs $211 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 Rockbridge?

The average cost of car insurance is $871 for a six-month policy. It will cost around $162 per month to insure your car in Rockbridge.

Is car insurance expensive in Rockbridge?

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

Cheapest Car Insurance Quotes in Rockbridge

Why you can trust Way?

How Much Is Car Insurance in Rockbridge

Avg. Car Insurance in Rockbridge

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Rockbridge

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Rockbridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Rockbridge, IL

Way's key takeaways about car insurance in Rockbridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rockbridge

Cheapest Liability Coverage in Rockbridge, IL

Cheapest Full Coverage Car Insurance in Rockbridge

Cheapest Full Coverage Car Insurance Quotes in Rockbridge, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rockbridge by Rating Factor

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

Car Insurance Premiums by Age in Rockbridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rockbridge,IL

If you are in your twenties N/A is the best choice for car insurance in Rockbridge.

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 Rockbridge

Cheapest Car Insurance Companies after an At-Fault Accident in Rockbridge

Rockbridge Car Insurance Rates by Violation

Rockbridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rockbridge after a DUI

Rockbridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rockbridge after Speeding ticket

Car Insurance Price Trends in Rockbridge, Illinois

Average Car Insurance Cost in Rockbridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rockbridge, IL

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

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