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How much is car insurance in Rockford?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Rockford are about the same as what you would pay anywhere else in Illinois.
Similarly, the expected monthly payments for an auto insurance policy in Rockford are below the national average. It's about $34 cheaper to insure your vehicle in Rockford compared to the average rate for the U.S. as a whole.
Keep in mind that while these are the average car insurance rates for Rockford, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've analyzed the average rate for Rockford and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Rockford.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Rockford, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Rockford, a driving record with a single accident will usually get you a rate around $52 a month. Similarly, drivers with one ticket will typically pay around $56 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$46|
As you can see in the first table above, the cheapest vehicles to insure in Rockford are usually trucks and vans, which run about $39 per month.
Car owners, on the other hand, typically pay around $48 a month, while SUV drivers can expect to pay about $47 per month to insure their vehicle.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Rockford, vehicles four-to-five years old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Overall, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Rockford, with married couples paying about $10 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $6 a month more than those who own their own home in Rockford. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Rockford, IL
Recent trends in car insurance for Rockford drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Rockford, car insurance rates had been decreasing from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $34 a month
How does Rockford compare to neighboring areas?
Why are car insurance rates in Rockford different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Total number of drivers in the region
- Road safety
- Off-street parking accessibility
- Community laws
- Regional crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Rockford?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Rockford.
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Rockford Insurance FAQs
What factors affect car insurance quotes in Rockford?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Rockford different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Rockford?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Rockford?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Rockford or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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