Some of the rating factors that impact car insurance cost in Rockford, Illinois, include your zip code, age, driving history, and the car you own. Those who have had a lot of accidents can expect to pay more, as can young drivers with little experience.
What’s important is that you have enough insurance to cover your needs if there’s a car accident. If you cause the accident, you are financially responsible for both your damages and injuries, as well as the other party’s. Your state-required minimum liability coverage is designed to pay for the other driver’s injuries and property damage, up to your policy limits. Full coverage insurance, on the other hand, pays out for both you and the other driver, if you are at fault.
Fortunately, there are steps you can take to reduce your premiums, such as asking about discounts.
Rockford Car Insurance Rates by Zip Code
Zip codes are one criteria insurers look to when determining insurance rates. Some zip codes pay higher premiums than others due to several reasons, including claims rate, theft rate, density, and the proportion of residents that fall under each age group.
Rockford has seven zip codes. Each zip code has different rates. Here is the average monthly rate paid by each zip code in Rockford, Illinois: