Cheapest Car Insurance Quotes in Rockford

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Rockford Car Insurance

^$ 32

/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 Rockford

The car insurance rate in Rockford is $1107 for a six-month policy, which is $96 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, making it a popular choice for budget-conscious drivers. Rates in Rockford 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 Rockford

$1107

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Rockford

1st place: Travelers

At $454 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $569 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $628 for six months, making it the third cheapest auto insurance company in Rockford.

Rockford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rockford, MI is Travelers, offering policies at just $454 for a six-month term. This is followed by USAA, which has an average six-month premium of $569.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $749 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rockford drivers find the best deals.

Cheap Car Insurance Companies in Rockford, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$454	$76
USAA	$569	$96
Encompass	$628	$105
Auto-Owners Insurance Co	$645	$109
Chubb	$678	$113
Auto-Owners	$760	$128
AAA	$776	$131
Farm Bureau Ins of MI	$798	$135
Pioneer State Mutual Ins Co	$868	$144
Progressive	$868	$146
Westfield	$1082	$182
Farm Bureau	$1219	$207
State Farm	$1552	$261
Allstate	$1656	$282
Bristol West	$2158	$360
Farmers	$3355	$570
Hastings Mutual	$749	$125

Key Takeaways

Way's key takeaways about car insurance in Rockford

The auto insurance costs in Rockford fall around $454 for six months.
The cheapest auto insurance company in Rockford is Travelers.
Teen drivers pay the highest rate in Rockford at $889 per month.

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Cheapest Minimum Liability Car Insurance in Rockford

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 Rockford are given below.

Travelers provides the cheapest minimum car insurance coverage in Rockford. Their Average 6 Month Premium is $191. Hastings Mutual is the most expensive at $328 for the same period.

Cheapest Liability Coverage in Rockford, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$191	$32
Westfield	$202	$34
USAA	$257	$43
Encompass	$262	$44
Chubb	$279	$46
Auto-Owners Insurance Co	$301	$52
Auto-Owners	$355	$60
Farm Bureau Ins of MI	$388	$66
Progressive	$399	$67
AAA	$476	$81
Farm Bureau	$601	$100
Allstate	$705	$120
Bristol West	$902	$150
State Farm	$967	$163
Farmers	$1743	$291
Hastings Mutual	$328	$54

Cheapest Full Coverage Car Insurance in Rockford

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 Rockford is Travelers at $76 per month and $454 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rockford, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$454	$76
USAA	$569	$96
Encompass	$628	$105
Auto-Owners Insurance Co	$645	$109
Chubb	$678	$113
Auto-Owners	$760	$128
AAA	$776	$131
Farm Bureau Ins of MI	$798	$135
Pioneer State Mutual Ins Co	$868	$144
Progressive	$868	$146
Westfield	$1082	$182
Farm Bureau	$1219	$207
State Farm	$1552	$261
Allstate	$1656	$282
Bristol West	$2158	$360
Farmers	$3355	$570
Hastings Mutual	$749	$125

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Average Car Insurance in Rockford 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 Rockford, MI increasing?

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

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

Car Insurance Premiums by Age in Rockford

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	Chubb	$257
30s	USAA	$195
40s	USAA	$187
50s	USAA	$179
60s	Chubb	$164
70s	Chubb	$179

Cheapest Car Insurance Rates for Teen Drivers in Rockford,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Rockford at $38 per month. At $5333 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$224	$38
Westfield	$240	$40
Encompass	$262	$44
Chubb	$312	$53
Auto-Owners Insurance Co	$328	$54
Grange	$426	$73
USAA	$864	$145
Auto-Owners	$1033	$174
AAA	$1377	$232
Farm Bureau	$1984	$338
Progressive	$2126	$358
Allstate	$3585	$610
State Farm	$3678	$613
Farmers	$15389	$2616
Bristol West	$5333	$889

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Rockford.

As young drivers face the highest rates in Rockford, Chubb offers the cheapest auto insurance rates at $257 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 Rockford, Travelers is the cheapest car insurance provider. At $366 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 Rockford is Farm Bureau Ins of MI, offering rates of around $1158 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$366	$63
Encompass	$377	$63
Progressive	$530	$90
Westfield	$558	$93
Auto-Owners Insurance Co	$591	$100
Pioneer State Mutual Ins Co	$721	$121
Grange	$913	$155
Farm Bureau Ins of MI	$1158	$193

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Car Insurance Rates with An Accident in Rockford

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 Rockford, MI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Rockford include Chubb and Westfield, offering $279 and $295, respectively. Pioneer State is an expensive provider with an average six-month premium of $437.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$279	$48
Westfield	$295	$49
Auto-Owners Insurance Co	$344	$59
Encompass	$388	$64
Farm Bureau Ins of MI	$459	$78
Pioneer State Mutual Ins Co	$508	$85
Travelers	$541	$91
USAA	$678	$114
Progressive	$749	$126
Auto-Owners	$836	$141
AAA	$1071	$180
Farm Bureau	$1492	$248
State Farm	$1699	$289
Allstate	$2639	$440
Farmers	$4716	$802
Pioneer State	$437	$73

Rockford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rockford MI. For example, the car insurance in Rockford after a DUI increases to $2208 for a six month policy. While the rate increases by $1202 for a six-month policy in the case of a speeding ticket.

Rockford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1202	$201
Failure to wear a seat belt	$1426	$243
Cell phone violation	$1513	$252
Texting while driving	$1513	$258
Illegal turn	$1519	$253
Wrong way/wrong lane	$1519	$259
Speeding in school zone	$1541	$257
Driving with expired registration	$1552	$264
Failure to stop at a red light	$1569	$261
Improper passing	$1569	$267
Speeding 16 - 20 MPH over limit	$1743	$291
Open container	$2054	$350
Driving with a suspended license	$2301	$384
Racing	$2967	$504
Reckless driving	$3225	$537
Leaving scene of an accident/hit and run	$3306	$562
DUI	$3410	$569

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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 Rockford 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 Rockford.

The cheapest car insurance premiums in Rockford are offered by Chubb at $279 for a six-month policy. However, it can be as expensive as $8612 with companies like Allstate.

Rockford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$279	$46
Auto-Owners Insurance Co	$738	$125
Grange	$743	$124
Progressive	$792	$133
Pioneer State Mutual Ins Co	$896	$149
USAA	$967	$163
Travelers	$1098	$183
Auto-Owners	$1662	$280
Westfield	$1809	$305
AAA	$1869	$315
Bristol West	$2558	$426
Farmers	$2623	$442
Farm Bureau	$3104	$517
State Farm	$3907	$658
Allstate	$8612	$1435

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 Rockford are offered by Westfield at $240. However, it can be as expensive as $10870 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rockford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$240	$40
Chubb	$279	$46
Encompass	$295	$51
Travelers	$361	$60
Auto-Owners Insurance Co	$383	$65
Farm Bureau Ins of MI	$546	$91
USAA	$569	$97
Grange	$580	$97
Auto-Owners	$798	$135
Progressive	$1169	$197
AAA	$1186	$201
Farm Bureau	$1191	$199
Allstate	$2158	$367
State Farm	$3623	$604
Farmers	$10870	$1848

Car Insurance Price Trends in Rockford, Michigan

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

The average cost of full coverage in the Rockford dipped by $247 in December compared to $253 of November. In other words, there has been an decrease by $6 when you compare December and November.

The average cost of liability insurance in the Rockford rose to $82 in December, compared to $75 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Rockford?

The car insurance in Rockford is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Rockford?

The cheapest car insurance in Rockford is $76 per month for full coverage.

How much is car insurance in Rockford for teenagers?

Car insurance for teenagers costs $224 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 Rockford?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $186 per month to insure your car in Rockford.

Is car insurance expensive in Rockford?

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

Cheapest Car Insurance Quotes in Rockford

Why you can trust Way?

How Much Is Car Insurance in Rockford

Avg. Car Insurance in Rockford

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Rockford

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Rockford Car Insurance Rates by Company

Cheap Car Insurance Companies in Rockford, MI

Way's key takeaways about car insurance in Rockford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rockford

Cheapest Liability Coverage in Rockford, MI

Cheapest Full Coverage Car Insurance in Rockford

Cheapest Full Coverage Car Insurance Quotes in Rockford, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rockford by Rating Factor

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

Car Insurance Premiums by Age in Rockford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rockford,MI

If you are in your twenties Chubb is the best choice for car insurance in Rockford.

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 Rockford

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

Rockford Car Insurance Rates by Violation

Rockford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rockford after a DUI

Rockford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rockford after Speeding ticket

Car Insurance Price Trends in Rockford, Michigan

Average Car Insurance Cost in Rockford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rockford, MI

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

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