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Need cheap auto insurance in Rockford? Well, you’ve come to the right place. AutoinsuranceEZ.com is one of the leading auto insurance comparison websites on the internet. You can find several affordable quotes from major companies, and all you need is your zip code.

Rockford is split by the Rock River in the northern part of the state. It flourished in the 1830’s thanks to its strategic location between the bustling cities of Chicago and Galena. It was originally a major center of manufacturing, but eventually diversified into the automotive, healthcare, and aerospace sectors of the economy.

  • Fun Fact: Rockford is #2 on the list of “Top 101 larger cities with the highest real estate taxes percentage in 2005”. Learn more about Rockford here.

Auto Insurance Coverage Requirements in Illinois

Driving legally in Rockford requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 15,000 100,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Are you driving around in a used “clunker” of a car? Then it would be a good idea to limit your auto coverage. However, the newer and more expensive your vehicle is, the more coverage you will want to buy. After all, you need to protect your investment.

Illinois insurance rates run at an average of about $114 per month for most drivers. However, Rockford motorists can get a better deal – did you know that local rates can get as low as $33/mo*? With the right help, you can get the affordable rate you deserve.

Average Monthly Car Insurance Premiums Legend: Rockford State Farm Allstate Nationwide Mercury Farmers 5 10 15 20 25 30 35 $37 $37 $20 $38 $33

 

Allstate, Farmers, and Nationwide are offering some of the lowest rates around the Rockford area right now. But automotive insurance isn’t just about low rates. Customer service is a big issue, as well as having a simple and efficient claims filing process. It’s important to look at the company as a whole before you make a decision.

Do you know what insurance companies look for when they’re evaluating your rate? We do. And we know how big of an influence each factor has on your monthly premium. For more information on these factors, as well as Illinois auto insurance in general, click here.

Major Car Insurance Factors in Rockford

Your insurer will evaluate several different metrics before giving you an official quote. By knowing these factors beforehand, you can try to adjust them in ways that will get you a better deal.

  • Your Zip Code

In general, the larger your city, the higher your insurance rates will be. This has to do with the fact that larger cities have more cars and drivers on the road, which increases the statistical probability of an accident. Rockford has a population of 150,251 with an estimated average household income $40,215.

 

Auto Insurance by Zip Code Legend: Chicago Aurora Joliet Naperville Rockford State Farm Allstate Nationwide Mercury Farmers 5 10 15 20 25 30 35 40 45 50 $42 $37 $34 $35 $37 $54 $35 $37 $34 $37 $34 $21 $19 $20 $20 $49 $37 $39 $34 $38 $44 $29 $33 $24 $33

 

  • Automotive Accidents

Another factor which may increase your automotive insurance rates has to do with the accident statistics in your area. Looking at the chart above, it appears as though Rockford has a higher rate of accidents than similarly sized cities within the state of Illinois. Unfortunately, this could bump up your total cost for insurance.

Fatal Accidents in Rockford, IL Legend: Rockford Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 40 45 50 55 60 28 44 10 30 64 13

 

  • Auto Thefts in Rockford

There are a number of different ways to protect yourself from auto theft. One easy way to mitigate the problem is to have an anti-theft device installed in your car. This not only scares away thieves, but some providers will give you a discount on your policy for it. You can also purchase Comprehensive coverage, but as you can see, it isn’t cheap. In Rockford, there were 372 auto thefts reported in 2013, which is a decline from recent years.

Basic vs. Comprehensive Policy Legend: Basic Coverage Comprehensive Coverage State Farm Allstate Nationwide Mercury Farmers 10 20 30 40 50 60 70 80 90 100 110 120 $37 $96 $37 $129 $20 $56 $38 $72 $33 $65

 

  • Your Credit Score

Do you know what your credit score is? Because your insurance provider does. In fact, it plays a substantial role in what they charge you each month. The better your credit score is, the lower your rates will be. Therefore, it’s in your best interest to do whatever you can to make sure you have the best credit score possible.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Allstate Nationwide Mercury Farmers 5 10 15 20 25 30 35 40 45 50 55 60 65 70 $30 $71 $33 $51 $19 $25 $32 $60 $29 $61

 

  • Your Age

Sadly, younger drivers have some of the highest automotive insurance rates in the market today. Their lack of driving experience makes it highly likely that they will get into an accident, so the insurance company offsets this risk with more expensive premiums. Thankfully, drivers under the age of 25 can take care of Good Student and Driver’s Ed discounts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm Allstate Nationwide Mercury Farmers 25 50 75 100 125 150 175 200 225 250 275 $37 $124 $37 $80 $20 $48 $38 $297 $33 $231

 

  • Your Driving Record

Have you heard of “accident forgiveness”? It’s a new type of discount that many companies are offering their clients. In short, your provider will ignore one or more minor blemishes on your driving history, thereby giving you discounts on your auto policy.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Allstate Nationwide Mercury Farmers 10 20 30 40 50 60 $37 $41 $41 $45 $37 $45 $55 $63 $20 $22 $32 $26 $38 $50 $47 $63 $33 $46 $60 $52

 

  • Your Vehicle

Insurance on luxury cars doesn’t come cheap, as the chart above shows. But then again, you’re purchasing insurance on an expensive investment. You’re going to need extra coverage (and in higher amounts) to protect your vehicle in case it gets stolen, damaged by weather, or wrecked in a serious accident.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Allstate Nationwide Mercury Farmers 15 30 45 60 75 90 105 120 135 150 165 180 $37 $136 $37 $185 $20 $82 $38 $126 $33 $91

 

Minor Car Insurance Factors in Rockford

The factors below may also have an influence in your monthly premium, although they might be a little harder to control:

  • Your Marital Status

If you’re married, then you have an advantage over singles in that you can get automobile insurance discounts by bundling your policy with your spouse. Furthermore, bundling different types of insurance under the same company can get you even more discounts.

  • Your Gender

It may sound unbelievable, but insurers are phasing out the practice of charging men and women different premiums for their auto insurance policies. This is because, statistically speaking, there really are no major differences between the way men and women drive. Some companies do still charge different rates, but whether that favors male or female drivers varies from one provider to the next.

  • Your Driving Distance to Work

Compared to the rest of Illinois, Rockford commute times can run between 16-23 minutes, on average. If you want to help alleviate road congestion, try joining one of the 3-35% of people who carpool to work. At the very least, you’ll save a little gas money.

Some companies will ask you questions about how many miles you drive each year, or why you’re on the road in the first place (work, school, pleasure, etc.). But in reality, this may only influence your monthly premium by about 1-2%. Business vehicles, however, have to pay on average 10% more than vehicles for personal use.

  • Your Coverage and Deductibles

If you want more than just basic coverage, try raising your deductible in order to maintain a low monthly premium. The higher your deductible is, the lower your monthly bill will be. Just make sure that you save up enough to cover that higher deductible – just in case.

  • Education in Rockford, IL

Do you think having a fancy job will get you a more affordable rate on automotive insurance? What about having a high salary? Actually, it’s your level of education that matters the most. Drivers with a college degree or better tend to get offered lower rates by many major insurance providers. So if you’re in the 30% of Rockford citizens who haven’t gone beyond your HS diploma (or equivalent), you now have another reason to think about going back to school.

Rockford has a number of noteworthy universities for you to choose from. For instance, there’s Rock Valley College, with a thriving population of over 6,000 students. There’s also Rasmussen College – Illinois, with around 1,500 students currently enrolled, and Rockford University, where over a thousand students are currently pursuing a higher education.

Shopping for affordable automotive insurance isn’t nearly as scary or confusing as it used to be. With the help of auto insurance comparison websites like AutoinsuranceEZ.com, you can get competitive quotes from major companies in a matter of minutes. Have them compete for you, for a change.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Illinois Department of Insurance

Illinois Department of Financial and Professional Regulation

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Entering your zip code below can save you hundreds on your car insurance policy! Why delay?

FIND THE CHEAPEST INSURANCE QUOTES IN YOUR AREA
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