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Car Insurance for Rockford, Illinois

Rockford, also known as the Forest City, is home to a number of important cultural and historical landmarks. Transportation is absolutely vital in Rockford. And it's essential to get quotes from the right insurance company.

Whether you live in the city or on the outskirts, Way.com can help you get car insurance without having to give up anything. Get a free quote for car insurance in Illinois right now.

How Much Does Car Insurance Cost In Rockford?

Rockford Rates Vs Illinois Vs United States Averages

Compared to the national average, Rockford's annual insurance premiums are more expensive. Our car insurance guide in Illinois includes average rates based on age, credit score, driving history, and marital status.

Rockford (Annual Average) Illinois (Annual Average) United States (Annual Average)
$1,186 $1,130 $1,557

Rockford auto insurance premiums by:

  • Company
  • Age group
  • Marital status
  • Gender
  • Driving record
  • Credit rating
  • ZIP Code

Rockford Auto Insurance Premiums By Company

MetLife, which has the most expensive full coverage policy in Rockford at about $1,160 per year, is about 115% more expensive than Mercury. Full coverage auto policies include comprehensive and collision coverage. The price of a full coverage policy can change based on how much liability coverage is bought.

Insurance Company Average Annual Rate
Mercury $612
State Farm $696
Country Financial $746
Erie $766

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Rockford Auto Insurance Premiums By Age Group

People save an average of around $2,306 once they are no longer teenagers. When someone turns 60, their insurance rates go up. Before that age, drivers can expect their rates to go down when they move from one age group to the next.

Age Average Annual Rate
Teenagers $4,669
20s $1,678
30s $2,288
40s $1,146
50s $1,036
60s $1,098
70s $1,314

Rockford Auto Insurance Premiums By Marital status

Car insurance costs about $90 less per year for married people than for single people. Rates for widows are just a little bit lower than rates for single people.

Gender/Marital Status Average Annual Rate
Single $1,192
Married $1,106
Divorced $1,186
Widowed $1,186

Rockford Auto Insurance Premiums By Gender

In Rockford, your car insurance rates can be affected by both your gender and your marital status. But most of the time, the premiums for women are only a little bit higher than those for men.

Gender/Marital Status Average Annual Rate
Female $1,182
Male $1,178

Rockford Auto Insurance Premiums By Driving Record

If you get a DUI in Rockford, your car insurance will cost an average of 118% more than the city average. Your rates will also go up if you drive carelessly, with average rates of $2,706. Getting car insurance in Rockford can cost you an extra $609 per year if you cause an accident.

Incident Average Annual Rate
DWI/DUI $2,562
Reckless Driving $2,723
At-fault Accident (damages less than $1,000) $1,798
At-fault Accident (damages greater than $2,000) $1,788
Speeding Ticket (16-20 mph over speed limit) $1,436

Rockford Auto Insurance Premiums By Credit Rating

In Rockford, people with credit scores between 300 and 579 pay an average of 2.3 times more for car insurance than people with the highest credit scores (800-850). When a driver's credit score goes from" Very Poor"(300-579) to" Fair"(580-669), they save the most money, about $400 per year.

Credit Tier Average Annual Rate
Very Poor $2,368
Fair $1,924
Good $1,534
Very Good $1,246
Exceptional $1,063

Rockford Auto Insurance Premiums by Zip Code

The most affordable place to live in Rockford is in the 61107 ZIP code. Drivers who live in that ZIP code pay an average of $836 per year. The most expensive neighborhood is 61108, where the average rate is $846.

ZIP code Average Annual Rate
61107 $836
61108 $846

What Would Increase Your Car Insurance Rate In Rockford?

Aside from the needs and history of each driver, car insurance rates in Rockford are also affected by things like the number of uninsured drivers and the number of car thefts. Rockford ranks among the 300 most populous U.S. cities and have a big effect on how much premiums cost.

Auto Theft Statistics In Rockford

In Rockford, vehicle thefts happen less often than in the average US city. 83% of cities are more dangerous than Rockford, which places it in the 83rd percentile for safety. In a typical year, 0.34 out of every 1,000 people who live in Rockford have their car stolen.

Auto thefts rose 15% to 295 cases compared to 256 at this point last year. Most people who live in Rockford think that this kind of crime is least likely to happen in the northeast part of the city. In the central neighborhoods of Rockford, your chance of having your car stolen is as high as 1 in 2,340. In the northeast part of the city, your chance is as low as 1 in 3,556.

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Accidents Statistics In Rockford

In 2019, there were a total of 312,988 crashes on Illinois roads. In 2019, there were approximately 858 road accidents every day. Last year, 29 people have died in car accidents only in Rockford. That's one fewer than the combined total of 2019 and 2020.

Useful Info For Driving in Rockford

In Rockford, driving at night is more hazardous than driving during the day because street signs are more difficult to read, headlights glare through your windshield, and there are more reckless drivers on the road. Fatal accidents are three times more frequent at night than during the day, according to the National Highway Traffic Safety Council (NHTSA).

Drive with caution

Drunk driving fatalities are four times more common at night, according to the National Highway Traffic Safety Administration (NHTSA). If you've been drinking, don't go behind the wheel at any time of the day or night (and don't drive distracted).

Unfortunately, other drivers will do the same. Defensive driving tactics should be practiced and high attention should be maintained at night. According to the National Highway Traffic Safety Administration (37% vs. 21% respectively), because of the reduced visibility and shorter reaction times. Consider things like visibility when adjusting your pace.

Pedestrians

A common problem among nighttime walkers and joggers is that they frequently forget their safety equipment. Keep an eye out for people walking, especially if the road is dark. Do a double-check to be sure no one is stepping off the curb before making a move at an intersection.

In rural locations or on wide highways, high lights are an essential tool. At least 500 feet away from an oncoming vehicle, you should turn off your highlights. When you're closely following another vehicle, avoid using your highlights.

Keep an eye out for any local wildlife

A collision with a deer can occur at any time of the day, but deer are more active in the early morning and late evening hours. Avoid deer crashes by scanning the roadside for blazing eyes and shadows.

Car Insurance Companies in Rockford

If you drive and own a car, you need auto insurance not only for your protection but also because Illinois state law requires it. These are the top car insurance companies in Rockford:

Car Insurance Companies in Rockford
USAA Nationwide
Erie Esurance
Hartford Grange
Auto-Owners Insurance Co Progressive
Travelers
Cincinnati Insurance Companies MetLife
Country Financial Farmers
State Farm Hanover
Nationwide Liberty Mutual
Safeco AAA

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

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