Skip to main content

Car Insurance in Rockford

Illustration of van driving by Freeway Insurance headquarters

Also known as the Forest City, Rockford, IL has something different to offer everyone. One of its biggest draws is its vast outdoor opportunities, headed by the 10,000-acre Forest Preserves of Winnebago County with endless lakes, rivers, and forests. The Rock River, Kishwaukee River, and surrounding areas also offer canoeing and kayaking opportunities, allowing everyone to become one with nature.

Another highly recommended place to visit in Rockford is West Rock Wake Park, a sprawling lake known for wakeboarding. Prefer the city more? Rockford is also home to amazing restaurants and the Rockford Symphony Orchestra. As with any Illinois city, drivers in Rockford will need to have car insurance.

Quick Facts

  • The average cost of car insurance in Rockford is $1,608 for full coverage and $552 for required minimum coverage per year.*
  • In 2019, there were 14 reported fatal car accidents in Rockford out of a total of 3,919 total crashes.

How Much Is Car Insurance in Rockford, Illinois?

On average, car insurance in Rockford costs $1,608 for full coverage per year. This is slightly lower than the national average of $1,674 per year for full coverage. Your exact car insurance cost will depend on several factors, including your age, gender, make/model of vehicle, claims history, and zip code of residence. Here are some other Illinois cities for a comparison. Drivers in rural areas will likely pay less than drivers in cities.

City (population) Average Annual Premium for Full Coverage/Minimum
Chicago (2,695,598) $1,836/$672
Joliet (147,433) $1,680/$600
Wheaton (52,894) $1,488/$552
Yorkville (16,921) $1,524/$540

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:

Zip Code Average Monthly Car Insurance Rate
61101 $44
61102 $43
61103 $44
61104 $46
61107 $43
61108 $44
61109 $43

Rockford Car Insurance Rates by Age

Age is a heavily-weighted determining factor in calculating auto insurance rates. Some age groups pay higher premiums than others due to their overall risk profile, claims incidence, and relatively shorter tenures on the road than older drivers who have longer, safer driving records.

Looking forward to your car insurance rates dropping as you get older? That only happens for drivers with clean driving records. In other words, if you accumulate moving violations and are involved in car crashes that are your fault, you will continue to pay high insurance rates – no matter how old you are. Here is the average monthly rate paid by each age group in Rockford, Illinois.

Age Average Monthly Car Insurance Rate
16 $243
20s $109
30s $44
40s $43
50s $41
60s $40
70s $46

*Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Rockford

How Many Fatal Accidents Happen in Rockford?

In 2019, there were 14 reported fatal car accidents in Rockford out of a total of 3,919 total crashes. Six of the fatal accidents involved drunk people, and a total of 28 people were affected, including six pedestrians.

How Are the Road Infrastructure and Bridges in Rockford?

Transportation infrastructure in Rockford is constantly undergoing revision. It is in a strategic location, only an hour from O-Hare, one of the biggest airports in the country. As of 2021, the “Rebuild Illinois” program created by the state government has seen nearly $30 million in investments go toward the installation of utilities (e.g., storm sewers), replacing bridges, resurfacing roads, patching pavement, and patching bridge decks. Other projects focus on overdue repairs.

Get a Quote for Car Insurance in Illinois Today!

Minimum Car Insurance Requirements in Rockford

Illinois is an “at-fault” state, which means it uses a tort system to have the responsible party pay for all or a portion of damages in line with their share of the blame. The responsible party must pay damages for all affected parties. Lawsuit action is also higher in at-fault states than no-fault states.

In Illinois, the state minimums are:

  • Bodily Injury Liability per Person: $25,000
  • Bodily Injury Liability per Accident: $50,000
  • Property Damage per Accident: $20,000

Do not forget finance companies. If you lease your vehicle, your finance company may put you on the hook to seek coverage with minimum comprehensive, collision, and property damage limits. Sometimes, they may even exceed the state-required minimums. Before leasing a vehicle, be sure to obtain this information from the dealership.

Factors Allowed in Rockford Car Insurance Rates

On top of age, gender, and zip code, many other factors help determine auto insurance rates.

Some factors used to assess Illinois driver rates include:

  • Driving record and claims history
  • Physical location
  • Gender
  • Age
  • Marital status
  • Type of vehicle
  • Credit score

You can lower your insurance costs by maintaining a safe driving record and taking advantage of available discounts.

Discounts for Car Insurance in Rockford

It is wise to investigate saving money on your car insurance in Rockford. Luckily, there are many ways to do it. You may enroll in defensive driving classes or seek safety and restraint devices for your vehicle. Some insurers also reward drivers who set up automatic payments. Other discounts include:

  • Green icon of a military man

    Military discount

  • Blue icon of a graduation cap

    Good student discount

  • Illustration of a document

    Paperless billing discount

  • Pink icon of a thief

    Anti-theft discount

  • Blue icon of a blue car

    Good driver discount

  • Green icon of a document with a checklist

    Bundling

To see if you are eligible for a discount, call your insurance company. One phone call can reduce your premiums by a worthwhile margin.

What Are the Penalties for Driving Without Insurance in Rockford?

Driving without car insurance in Rockford is not a good idea. For starters, offenders can expect their license and registration suspended for up to three months, on top of fines up to $1,000, reinstatement fees, and filing for SR-22 insurance to show proof of financial responsibility. Your SR-22 remains on file for three years.

Subsequent offenses will also see steeper fines. If you are convicted twice or more, expect to pay an additional $2,500 fine and have your license suspended for 4 months.

Get Cheap Car Insurance Quote in Rockford Today!

Rockford, Illinois., seen from a drone
Freeway Insurance has many affordable car insurance options for Rockford residents. Get covered by state minimums or choose a full coverage plan for better protection for you and your property.

Feel free to visit us online for a quick quote, or at a Rockford office near you, or call us at (800) 777-5620.