Rockford Auto Insurance Rates, Quotes, Agents & Reviews in IL

Rockford, IL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Rockford, IL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Rockford, IL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Rockford, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Rockford, IL with that of other cities in and around Rockford.

Rockford Cherry Valley Winnebago County Machesney Park Harlem Loves Park
Average Insurance Rates $1,070 $1,219 $1,215 $1,214 $1,221 $1,213

Rockford, IL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Rockford, IL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Rockford $2,665 $2,251
New Milford $1,094 $924
Cherry Valley $1,704 $1,439
Loves Park $1,462 $1,235
Winnebago County $1,990 $1,681
Winnebago $1,408 $1,189
Machesney Park $1,483 $1,253
Harlem $2,488 $2,102

Rockford, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Rockford, IL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,472
20 Years $1,375
30 Years $1,059
40 Years $1,019
50 Years $944
60 Years $957
70 Years $1,114

Rockford, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Rockford, IL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,840 $300
3 Vehicles $2,761 $449
4 Vehicles $3,681 $599

Savings on 2 Vehicles bundle:$300

Savings on 3 Vehicles bundle:$449

Savings on 4 Vehicles bundle:$599

Rockford, IL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Rockford, IL.

Location Average Insurance Cost Post DUI Insurance Rate
Rockford $1,070 $1,737
New Milford $1,210 $1,964
Cherry Valley $1,219 $1,979
Loves Park $1,213 $1,969
Winnebago County $1,215 $1,972
Winnebago $1,603 $2,602
Machesney Park $1,214 $1,971
Harlem $1,221 $1,982

Rockford, IL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $918
Excellent (740-799) $1,048
Good (670-739) $1,115
Average (580-669) $1,455
Poor (300-579) $1,745

Rockford, IL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Blue Sky Insurance Agency Inc Travelers 4615 E STATE ST STE 20, ROCKFORD, 61108 815-227-1717
Valentine Insurance Agency Inc Liberty Mutual Independent 1331 DUNDEE AVE, ELGIN, 60120 847-741-0083
Rojelio Medina Farmers 1144 Dundee Ave, ELGIN, 60120 (847) 592-7440
Matt Oconnor Liberty Mutual 477 S. Third Streetsuite 148, Geneva, 60134 1-630-232-8100
Jim Dugan State Farm 237 W Main St, Barrington, 60010-4205 847-381-0891
G L Schmitz & Co Inc None 20 South Grove St Ste 204 Carpenterville, Carpentersville, 60110 (847) 994-3670
Stephen Hapanovich Allstate 60 E Main St, Cary, 60013 (847) 639-3200
Jeanne Jensen State Farm 1881 Larkin Ave Ste B, Elgin, 60123-5818 847-888-8050
Kevin Navarro State Farm 223 E Irving Park Rd, Streamwood, 60107-2948 630-372-0011
Northwest Insurance Solutions Llc Travelers 875 FEINBERG CT STE 102, CARY, 60013 847-829-8081
Ramse Insurance Agency, Inc. None 118 S Main St Ste 3, Wauconda, 60084 None
Seth Lewis State Farm 1005 Alexander Ct Ste B, Cary, 60013-1891 847-639-9988

Rockford, IL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$47 $1,117
Driver's Failure In Showing Documents +$104 $1,174
Driving With An Expired Registration +$110 $1,180
Driving At A Considerably Slow Pace +$232 $1,302
Using A Cellphone While Driving +$245 $1,315
Running A Red Light +$249 $1,319
Speeding +$262 $1,332
Driving A Vehicle Without The Required Permission +$333 $1,403
Driving With An Expired/Suspended License +$721 $1,791

Rockford, IL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,027
Active Disabling Device $1,027
Tracking Device $1,006
Passive Disabling Device $995

Latest Auto Insurance Reviews in Rockford, IL | Back to Top

The customer experience is okay. It is pretty quick service but their attitude isn't always the most welcoming
I have a low deductible but I pay my premium in full for 6 months which saves me over a hundred dollars. I am very happy about that.
Farm Bureau
It was a great experience working with them. they gave me a discount for bundling home and auto together.
Farm Bureau
It was a great experience working with them. they gave me a discount for bundling home and auto together.
There is very little in the way of communication or personal attention with Progressive. I generally never hear from them unless a payment is due. At the same time, I enjoy being able to make changes and payments online without too much interaction.
Metromile Insurance
Sign up is extremely simple - verify your identity and the system pulled in all current coverages.
State Farm
The company as a whole is fine. Premiums are high and rates fluctuate too much but both the service and coverage are good and I'm fairly satisfied with my experiences so far.
Safe Auto Insurance
The auto premium is lower compared to some of the other insurers I researched. My insurer is also one that offers a year long policy which I like.
State Farm
I have no idea how my premium compares to other companies. I've never spent the 15 minutes with Geico to find out. Things have been fine with State Farm and I value my relationship with my insurance agent too much to change.
We saved money by switching, the website is very easy to navigate and we have a local agent that makes doing things within the company very easy for the most part.
Premium figures have been really well with Geico. I chose a higher premium to keep monthly figures down to help with my monthly budgets