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Finding the cheapest car insurance quotes in Rock Island shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Island
The car insurance rate in Rock Island is $775 for a six-month policy, which is $41 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $407, making it a popular choice for budget-conscious drivers. Rates in Rock Island 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.
At $407 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $428 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $428
for six months, making it
the third cheapest auto insurance company in Rock Island.
Rock Island Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Rock Island, TN is AutoOwners Insurance Co, offering policies at just $407 for a six-month term. This is followed by Erie, which has an average six-month premium of $428.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1298 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rock Island drivers find the best deals.
Way's key takeaways about car insurance in Rock Island
The auto insurance costs in Rock Island fall around $407 for six
months.
The cheapest auto insurance company in Rock Island is Westfield.
Teen drivers pay the highest rate in Rock Island at $46 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Rock Island
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 Island are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Rock Island. Their Average 6 Month Premium is $130.
AutoOwners is the most
expensive at $186 for the same
period.
Cheapest Full Coverage Car Insurance in Rock Island
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 Island is AutoOwners Insurance Co
at $67 per month and $407
for six months.
Cheapest Full Coverage Car Insurance Quotes in Rock Island,
TN
Get Your Car Insurance Quote in Rock Island
Instantly!
Average Car Insurance in Rock Island 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 Island, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Rock Island, Tennessee, may be increasing due to several external factors.
Tennessee 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 Island'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 Island
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
Penn National
$576
30s
Penn National
$396
40s
Penn National
$359
50s
Penn National
$333
60s
Penn National
$349
70s
Penn National
$401
Cheapest Car Insurance Rates for Teen Drivers in
Rock Island,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Rock Island at $26
per
month. At $271 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties Penn National is
the best choice for car
insurance in Rock Island.
As young drivers face the highest rates in Rock Island, Penn National
offers the cheapest auto insurance rates at $576 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 Island,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $181 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 Island is Erie, offering
rates of around $355 for six
months.
Save up to $971/yr on car insurance rates in Rock Island.
Car Insurance Rates with An Accident in Rock Island
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 Island, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Rock Island
The cheapest car insurance companies after an at-fault accident in
Rock Island include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $158
and $163,
respectively. Grange is an expensive provider
with an average six-month premium of
$305.
Here is a list of driving violations that can increase your car
insurance rates in Rock Island TN. For example, the car
insurance in Rock Island
after a DUI increases to $943 for a six
month policy. While the rate increases by $181 for a six-month policy in the case of
a speeding ticket.
Rock Island auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$942
$157
Not-at-fault accident
$948
$162
One Med/PIP claim
$954
$159
One comp claim
$965
$164
Two comp claims
$977
$162
Two Med/PIP claims
$977
$166
Failure to wear a seat belt
$1083
$181
Failure to show documents
$1100
$187
Child safety restraint
$1106
$184
Driving without lights
$1106
$188
Cell phone violation
$1123
$187
Driving with expired registration
$1123
$191
Speeding 6 - 10 MPH over limit
$1123
$187
Driving too slowly
$1129
$192
Speeding 11 - 15 MPH over limit
$1129
$188
Speeding in school zone
$1129
$192
Failure to yield
$1134
$189
Following too closely
$1134
$193
Illegal turn
$1134
$189
Speeding 16 - 20 MPH over limit
$1134
$193
Texting while driving
$1134
$189
Improper passing
$1146
$195
Wrong way/wrong lane
$1146
$191
Failure to stop at a red light
$1151
$196
In 65 MPH zone
$1169
$195
Speeding 21 - 25 MPH over limit
$1196
$203
At-fault accident - less than $1000
$1213
$202
Passing school bus
$1213
$206
Operating a vehicle without permission
$1286
$215
Open container
$1298
$220
At-fault accident - $1000-$2000
$1399
$234
At-fault accident - greater than $2000
$1399
$238
Reckless driving
$1766
$295
Racing
$1772
$301
Driving with a suspended license
$1817
$303
Refusal to submit to a chemical test
$1851
$314
DUI
$1885
$314
Leaving scene of an accident/hit and run
$1885
$320
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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 Island 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 Island.
The cheapest car insurance premiums in
Rock Island are
offered by Tennessee Farm Bureau at $248 for a six-month policy.
However, it can be as
expensive as $1557 with companies
like Allstate.
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 Island are offered by Westfield
at $152. However,
it can be as expensive as $259
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Rock Island after Speeding ticket
Car Insurance Price Trends in Rock Island,
Tennessee
Car insurance rates in Rock Island have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Rock Island remained steady at $91 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Rock Island remained steady at $35 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Rock Island by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Rock Island. At $1550 for a
six-month policy, insuring
your car at 38581 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Rock Island?
The car insurance in Rock Island is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Rock Island?
The cheapest car insurance in Rock Island
is $67 per month
for full coverage.
How much is car insurance in Rock Island for teenagers?
Car insurance for teenagers costs $152 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 Island?
The average cost of car insurance is $816 for a six-month
policy. It will cost around $130 per month to insure your
car in Rock Island.
Is car insurance expensive in Rock Island?
Car insurance can be expensive in Rock Island if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Rock Island can be
affordable.
What is the best car insurance in Rock Island,
TN?
The best car insurance company in Rock Island
TN is
AutoOwners Insurance Co, offering $407 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Rock Island, TN
Car Insurance Rates by State in the USA (2025 Update)
Rock Island Car Insurance
