Rockford Car Insurance

Rockford, Illinois, is appreciated for the abundance of beautiful parks and gardens that show off the city's natural beauty. Unlike other large cities in Illinois, Rockford does not have a public transportation system that is reliable. As a result, driving privileges are critical for Rockford residents.

Fortunately, car insurance rates are fairly low compared to other Midwestern cities of a size similar to Rockford. However, to secure the best rate possible, drivers should always compare car insurance rates before purchasing or renewing a policy.

Start comparing auto insurance rates now using the FREE comparison tool above!

Minimum Legal Car Insurance Requirements in Rockford

Rockford drivers are required to carry liability coverage in the following amounts to be licensed to drive.

• $25,000 per person and $50,000 per accident in bodily injury liability
• $20,000 per accident in property damage liability
• $25,000 per person and $50,000 per accident in uninsured or underinsured motorist protection

In the state of Illinois, uninsured and underinsured motorist coverage does not cover property damage caused by an uninsured or underinsured driver.

Additionally, the minimum legal amount of liability coverage does not pay for the personal injury or property damage costs of the at-fault driver.

To enforce insurance laws, drivers are required to show proof of insurance to law enforcement officers at any time, which includes traffic stops. Additionally, the state of Illinois frequently sends out insurance questionnaires in order to verify that licensed drivers in the state have car insurance.

Real Car Insurance Consumers of Rockford

Gail, age 64, is married to Bob, age 60. Both are semi-retired, and Bob is a veteran. Gail’s car is a 2013 Honda Fit, and Bob's is a 2009 Chevy Tahoe. They also have a 2003 Jeep Cherokee kept in case one of their grown children or a friend needs a vehicle for a short time.

Bob and Gail’s biggest asset is their home, and they feel adequately protected with an extended-level car insurance policy, which offers the protections listed below:

• $100,000 per person and $300,000 per accident in bodily injury liability
• $50,000 in property damage liability
• $100,000 per person and $300,000 per accident in uninsured or underinsured
• motorist bodily injury protection
• $50,000 per accident in uninsured or underinsured motorist property damage
• protection
• $75 in towing allowance
• $600 in rental car allowance

Extended-level insurance requires a $500 deductible payment.

For all three vehicles at extended-level coverage, Bob and Gail have the monthly payment options listed below:

• USAA – $158
• State Farm – $180
• Country – $240
• Farmers – $263
• American Family – $264
• Progressive – $276
• Liberty Mutual Fire – $349
• Allstate – $380

Gail and Bob are not in complete agreement. Gail would like to get rid of the Jeep and save the money on registration and insurance. She would also like to upgrade to premium-level insurance because of the higher bodily injury and property damage protection, as well as the lower deductible.

If they sold the Jeep and raised the coverage to premium, monthly payments for car insurance in Rockford would be as follows:

• USAA – $150
• State Farm – $176
• Country – $204
• Farmers – $221
• American Family – $272
• Progressive – $346
• Allstate – $372
• Liberty Mutual – $399

Bob convinces Gail that the extra protection for premium has little value because their home is not worth $300,000 if they were to get sued. They decide to keep the Jeep and get approved for an extended-level policy with USAA for $158 per month.

Brian, Bob and Gail’s 30-year-old son, recently separated from his girlfriend, and the couple only had one car between them. Bob and Gail want to let Brian use the Jeep until he gets back on his feet.

It is agreed that Brian will be added as a driver on Bob and Gail's insurance policy. While the paperwork is being processed, Bob and Gail become aware that Brian was cited for DUI in May of 2014.

If Bob and Gail add Brian to their car insurance, USAA is no longer the best price. The monthly price for car insurance for three cars and three drivers, one with a DUI citation, in Rockford changes to the following options:

• State Farm – $206
• USAA – $300
• Progressive – $312
• Farmers – $389
• Country – $407
• Allstate – $572
• Liberty Mutual – $599

Bob has been with USAA for many years, and he hates to change agencies. He is also very attached to his Jeep. Still, Brian is his son, and he and Gail want to help.

It is agreed that Bob and Gail will transfer the title of the Jeep to Brian, and Bob and Gail will keep USAA as their insurance company.

Brian begins his own insurance research. For Brian, cost is a very big factor. He considers the minimum legal coverage although it will only pay for the damages sustained by third parties and not for himself personally.

The minimum legal liability coverage for Brian and the Jeep are available in Rockford at these monthly payments:

• State Farm – $35
• USAA – $62
• Allstate – $64
• Progressive – $71
• Liberty Mutual – $90
• Farmers – $92
• Country – $229

Gail points out to Brian that even though the Jeep is old, it is an important asset that deserves protection. Bob and Gail strongly urge their son to pay for basic coverage which will give Brian the protections listed below:

• $50,000 per person and $100,000 per accident in bodily injury liability
• $25,000 in property damage liability
• $50,000 per person and $100,000 per accident in uninsured or underinsured
• motorist bodily injury protection
• $25,000 in uninsured or underinsured motorist property damage protection
• $50 in towing allowance

Basic-level coverage requires a $500 deductible payment.

Brian can get basic-level car insurance in Rockford for the following prices:

• State Farm – $70
• Progressive – $123
• Allstate – $145
• USAA – $152
• Farmers – $184
• Liberty Mutual – $239
• Country – $515

If Brian is a careful and conscientious driver for the next two and one-half years, his basic-level car insurance will become more affordable at the following monthly payments:

• State Farm – $64
• USAA – $64
• Country – $79
• American Family – $90
• Liberty Mutual – $100
• Farmers – $105
• Allstate – $107
• Progressive – $112

The purpose of insurance is to restore property and people to their circumstances before the incident of loss occurred. It is important to have adequate coverage so that you and your assets are protected.

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