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.
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 Rates
- Rockford, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Rockford, IL
- Multi Vehicle Insurance Savings in Rockford, IL
- How Credit Score Affects Car Insurance Rates in Rockford, IL
- How DUI Affects Auto Insurance Premiums in Rockford, IL
- Top Auto Insurance Agents Near Rockford, IL
- How Driving Violations Affect Auto Insurance Rates in Rockford, IL
- Rockford, IL Auto Insurance Discounts on Anti Theft Feature
- Rockford, IL Auto Insurance Company Reviews
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
ProgressiveThe customer experience is okay. It is pretty quick service but their attitude isn't always the most welcoming
ProgressiveI 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 BureauIt was a great experience working with them. they gave me a discount for bundling home and auto together.
Farm BureauIt was a great experience working with them. they gave me a discount for bundling home and auto together.
ProgressiveThere 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 InsuranceSign up is extremely simple - verify your identity and the system pulled in all current coverages.
State FarmThe 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 InsuranceThe 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 FarmI 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.
AllstateWe 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.
GeicoPremium figures have been really well with Geico. I chose a higher premium to keep monthly figures down to help with my monthly budgets