Best cheap car insurance in Rockford for 2021

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Rockford, Illinois, is considered one of the safest cities for driving in the country. Allstate’s America’s Best Drivers Report ranked the Illinois city #32 for safest driving. The average driver is unlikely to file a claim more often than every 10.9 years. That may be why insurance premiums are relatively affordable. According to Bankrate’s 2021 pricing study, the average cost of car insurance in Rockford for minimum coverage is $472 per year and $1,458 per year for full car insurance.

This guide to cheapest car insurance in Rockford names four companies for best car insurance in Rockford based on quote data, insurance provider offerings and customer reviews. Rates may be low in the city, but you may be able to save further.

Best car insurance companies in Rockford

Bankrate’s quote analysis returned over two dozen carriers operating in Rockford. To narrow the list down to four, we used criteria including financial strength, customer reviews, low insurance rates and car insurance options that appeal to Rockford drivers.

Insurance company J.D. Power customer satisfaction score (Central US) Average annual premium for minimum coverage Average annual premium for full coverage
Pekin Not rated $257 $715
Geico 845 /1,000 $272 $819
Nationwide 798/1,000 $324 $948
State Farm 847/1,000 $362 $992

Pekin

Pekin provides the cheapest car insurance in Rockford for full and basic coverage. Average rates of $257 and $715 per year for minimum and full car insurance beat the city average of $472/$1,458 per year. Pekin’s car insurance discounts, such as multi-car and bundling encourage you to insure your home and all your vehicles with the carrier. Based on the affordable prices, insuring your property with Pekin is not such a bad idea.

Geico

Geico comes in second for low rates, with minimum coverage for only $272 per year. For a little over $20 per month, you protect yourself financially if you cause a crash or hurt a pedestrian or bicyclist. Geico is ideal for drivers who do not mind having a local office or agent nearby and are comfortable handling their insurance needs using the Geico website or mobile app.

Learn more: Geico Insurance review

Nationwide

Nationwide is ideal for drivers who do not have long commutes and/or only drive occasionally. Enrolling in SmartMiles allows you to get pay-as-you-go for car insurance based on the number of monthly miles you drive. If you end up working from home or traveling on a certain month, the car insurance premium for the month will be lower.

Learn more: Nationwide Insurance review

State Farm

State Farm is the largest carrier in the country and offers Rockford vehicle owners many car insurance options and discounts. Drivers young and older can enroll in the provider’s driver tracking programs to save on car insurance based on driving habits and the mileage traveled. All you need to do is enroll in Drive Safe and Save if you are an adult or Steer Clear for drivers 25 and under and download the tracking app to get started.

Learn more: State Farm Insurance review

Cheapest car insurance in Rockford

There are five large insurance companies in Rockford (based on market share) that provide cheap car insurance. Compare their rates to the following averages:

  • The average cost of full car insurance in Indiana is $1,034 per year.
  • The average cost of full car insurance in the country is $1,674 per year.

Keep in mind that the rates provided are averages. Your results may vary based on your driving record, age, credit score, vehicle make and model and location.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $272 $819
Mercury $318 $1,042
Nationwide $324 $948
State Farm $362 $992
Erie $369 $1,095

State Farm is the only carrier with local offices in Rockford. Erie and Nationwide insurance are available through independent agents in the area. All carriers provide online claims and policy management, as well as a mobile app. However, Geico, Nationwide and State Farm’s digital presence are the most robust.

Rockford insurance requirements

Driving without insurance in Rockford can cause a few problems. Some insurance companies may not want to insure you if there has been a lapse in coverage. And getting caught driving without insurance could cost you $500 or more in fines. The state’s minimum insurance requirements are:

  • $25,000 for injuries or death of one person and $50,000 per two or more per accident.
  • $20,000 for third-party property damage

The state’s liability coverage requirements do not provide you with any reimbursement for medical bills for your passengers and yourself nor does it provide repairs to your vehicle. Full car insurance is an upgrade for more money, but provides coverage for your vehicle, too. You may have to get full coverage regardless — most lenders and leasing companies require full car insurance.

Car insurance discounts in Rockford

Rockford vehicle owners already get lower-than-average car insurance rates. However, you can save further by taking advantage of insurance company discounts such as:

  • Good student: Young drivers can save on the high cost of car insurance if they can show they are earning good grades in school.
  • Accident forgiveness: Forgives an accident every few years to prevent your premiums from increasing.
  • Bundling: Buying home and auto insurance through the same insurance company could lower your premiums for both.
  • Loyalty: If you stick with the same insurance provider, you may qualify for a loyalty discount each year you renew.

For the biggest impact to your car insurance bill, take advantage of good student, accident forgiveness and bundling discounts. They all work together to lower your premiums by reducing the cost of coverage for members of your household.

Frequently asked questions

What is the best car insurance company?

The best car insurance companies will depend on your preferences and needs. Choose based on your needs and what you consider most important in a provider.

How much does car insurance in Rockford cost?

The annual average cost of car insurance in Rockford for minimum car insurance is $472 and $1,458 for full car insurance.

How much car insurance do I need in Rockford?

Drivers must have at least $25,000 per person and $50,000 per accident in bodily injury liability insurance and $20,000 in property damage coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Insurance Editor