You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow hard-and-fast guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no mastermind recompense from advertisers, and our content is thoroughly fact-checked to ensure accuracy. indeed, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable information. We value your confidence. Our deputation is to provide readers with accurate and unbiased data, and we have editorial standards in put to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ rhenium reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a stern editorial policy, so you can trust that we ’ rhenium putting your interests first gear. Our award-winning editors and reporters create honest and accurate capacity to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel convinced about which supplier is right for you. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ rhenium putting your interests beginning. All of our content is authored by highly qualify professionals and reviewed by national count experts, who ensure everything we publish is objective, accurate and worthy of your believe. Founded in 1976, Bankrate has a long cut read of helping people make smart fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making process and giving people assurance in which actions to take adjacent. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Rockford, Illinois, is considered one of the safest cities for driving in the state. Allstate ’ mho America ’ south Best Drivers Report ranked the Illinois city # 32 for safe repel. The average driver is unlikely to file a claim more often than every 10.9 years. That may be why insurance premiums are relatively low-cost. 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 usher to cheapest car indemnity in Rockford list four companies for best car policy in Rockford based on quotation mark data, insurance provider offerings and customer reviews. Rates may be first gear in the city, but you may be able to save further .
Best car insurance companies in Rockford
Bankrate ’ s quote analysis returned over two twelve carriers operating in Rockford. To narrow the number down to four, we used criteria including fiscal strength, customer reviews, broken insurance rates and car policy 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 provides the cheap car indemnity in Rockford for full and basic coverage. average rates of $ 257 and $ 715 per year for minimal and full moon car policy beat the city modal of $ 472/ $ 1,458 per class. Pekin ’ randomness car policy discounts, such as multi-car and bunch promote you to insure your home and all your vehicles with the carrier wave. Based on the low-cost prices, insuring your property with Pekin is not such a bad estimate .
Geico comes in second for low rates, with minimum coverage for only $ 272 per year. For a fiddling over $ 20 per month, you protect yourself financially if you cause a doss or hurt a pedestrian or cyclist. Geico is ideal for drivers who do not mind having a local agency or agent nearby and are comfortable handling their indemnity needs using the Geico web site or fluid app.
Learn more : Geico Insurance review
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 cable car policy based on the number of monthly miles you drive. If you end up working from home or traveling on a certain calendar month, the car indemnity bounty for the calendar month will be lower. Learn more : countrywide Insurance revue
department of state farm is the largest carrier wave in the state and offers Rockford vehicle owners many car indemnity options and discounts. Drivers young and older can enroll in the supplier ’ randomness driver tracking programs to save on car policy 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 bombastic insurance companies in Rockford ( based on market contribution ) that provide brassy car policy. Compare their rates to the comply 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 seduce, vehicle lay down and model and location .
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
state farm is the only mailman with local offices in Rockford. Erie and Nationwide indemnity are available through independent agents in the area. All carriers provide on-line claims and policy management, ampere well as a fluid app. however, Geico, Nationwide and State Farm ’ s digital presence are the most robust .
Rockford insurance requirements
Driving without indemnity in Rockford can cause a few problems. Some indemnity 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 ’ sulfur minimum indemnity 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 submit ’ mho liability coverage requirements do not provide you with any reimbursement for checkup bills for your passengers and yourself nor does it provide repairs to your vehicle. Full car policy is an upgrade for more money, but provides coverage for your vehicle, excessively. You may have to get full coverage regardless — most lenders and leasing companies require full car indemnity .
Car insurance discounts in Rockford
Rockford vehicle owners already get lower-than-average car indemnity rates. however, you can save further by taking advantage of policy 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 affect to your cable car indemnity bill, take advantage of dependable scholar, accident forgiveness and bunch discounts. They all work in concert to lower your premiums by reducing the cost of coverage for members of your family .
Frequently asked questions
What is the best car insurance company?
The best cable car policy companies will depend on your preferences and needs. Choose based on your needs and what you consider most significant in a supplier .
How much does car insurance in Rockford cost?
The annual average price of car insurance in Rockford for minimal car indemnity is $ 472 and $ 1,458 for full cable 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 policy and $ 20,000 in place damage coverage.
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 drive record, good credit and the follow fully 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 minimal coverage limits, Bankrate used minimum coverages that meet each state ’ south requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles per annum. These are sample rates and should be used for relative purposes alone. Your quotes may be different .