Best Cheap Car Insurance in Rockford for 2021 – Bankrate.com

Posted on

Elevate your Bankrate experience
Get insider access to our best financial tools and content
Elevate your Bankrate experience
Get insider access to our best financial tools and content
Looking for the perfect credit card?
Narrow your search with CardMatch™
Elevate your Bankrate experience
Get insider access to our best financial tools and content
Elevate your Bankrate experience
Get insider access to our best financial tools and content
Elevate your Bankrate experience
Get insider access to our best financial tools and content
Elevate your Bankrate experience
Get insider access to our best financial tools and content
Elevate your Bankrate experience
Get insider access to our best financial tools and content
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust.
Our insurance 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 confident about which provider is right for you.
All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re 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’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 strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
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 financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states were it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Rockford, Illinois, is considered one of the safest cities for driving in the country. Allstate’s America’s Best Drivers Report ranked the Illinois city #32 for safest driving. The average driver is unlikely to file a claim more often than every 10.9 years. That may be why insurance premiums are relatively affordable. 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 guide to cheapest car insurance in Rockford names four companies for best car insurance in Rockford based on quote data, insurance provider offerings and customer reviews. Rates may be low in the city, but you may be able to save further.
Bankrate’s quote analysis returned over two dozen carriers operating in Rockford. To narrow the list down to four, we used criteria including financial strength, customer reviews, low insurance rates and car insurance options that appeal to Rockford drivers.
Pekin provides the cheapest car insurance in Rockford for full and basic coverage. Average rates of $257 and $715 per year for minimum and full car insurance beat the city average of $472/$1,458 per year. Pekin’s car insurance discounts, such as multi-car and bundling encourage you to insure your home and all your vehicles with the carrier. Based on the affordable prices, insuring your property with Pekin is not such a bad idea.
Geico comes in second for low rates, with minimum coverage for only $272 per year. For a little over $20 per month, you protect yourself financially if you cause a crash or hurt a pedestrian or bicyclist. Geico is ideal for drivers who do not mind having a local office or agent nearby and are comfortable handling their insurance needs using the Geico website or mobile 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 car insurance based on the number of monthly miles you drive. If you end up working from home or traveling on a certain month, the car insurance premium for the month will be lower.
Learn more: Nationwide Insurance review
State Farm is the largest carrier in the country and offers Rockford vehicle owners many car insurance options and discounts. Drivers young and older can enroll in the provider’s driver tracking programs to save on car insurance 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
There are five large insurance companies in Rockford (based on market share) that provide cheap car insurance. Compare their rates to the following averages:
Keep in mind that the rates provided are averages. Your results may vary based on your driving record, age, credit score, vehicle make and model and location.
State Farm is the only carrier with local offices in Rockford. Erie and Nationwide insurance are available through independent agents in the area. All carriers provide online claims and policy management, as well as a mobile app. However, Geico, Nationwide and State Farm’s digital presence are the most robust.
Driving without insurance in Rockford can cause a few problems. Some insurance 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’s minimum insurance requirements are:
The state’s liability coverage requirements do not provide you with any reimbursement for medical bills for your passengers and yourself nor does it provide repairs to your vehicle. Full car insurance is an upgrade for more money, but provides coverage for your vehicle, too. You may have to get full coverage regardless — most lenders and leasing companies require full car insurance.
Rockford vehicle owners already get lower-than-average car insurance rates. However, you can save further by taking advantage of insurance company discounts such as:
For the biggest impact to your car insurance bill, take advantage of good student, accident forgiveness and bundling discounts. They all work together to lower your premiums by reducing the cost of coverage for members of your household.
The best car insurance companies will depend on your preferences and needs. Choose based on your needs and what you consider most important in a provider.
The annual average cost of car insurance in Rockford for minimum car insurance is $472 and $1,458 for full car insurance.
Drivers must have at least $25,000 per person and $50,000 per accident in bodily injury liability insurance and $20,000 in property 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 driving record, good credit and the following full coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access
BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access
© 2021 Bankrate, LLC. A Red Ventures company. All Rights Reserved.
All insurance products advertised on Bankrate.com are underwritten by insurance carriers that have partnered with HomeInsurance.com, LLC. HomeInsurance.com, LLC may receive compensation from an insurer or other intermediary in connection with your engagement with the website and/or the sale of insurance to you. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Policy obligations are the sole responsibility of the issuing insurance carrier.
HomeInsurance.com, LLC, is a licensed insurance producer resident in North Carolina with license number 1000012368, with its principal place of business at 15720 Brixham Hill Avenue, Suite 300, Charlotte, NC 28277. HomeInsurance.com, LLC services are only available in states where it is licensed, and insurance coverage through HomeInsurance.com may not be available in all states.

source

Leave a Reply

Your email address will not be published. Required fields are marked *