Rockford Car Insurance

Your Guide to Buying Rockford, IL Car Insurance in 2017

Set along the banks of the Rock River, Rockford is known as the “Forest City.” Well known for the elm trees that give it its nickname, Rockford is a typical Midwestern town. Whether you’re going to the “Big Orange Box” (the MetroCentre) or you want to take a little road trip on I-90 into Milwaukee or Dubuque, you’ll want to be carrying full coverage auto insurance. Why? Because the state of Illinois requires it, as do many other US states. That’s where an independent insurance agent can help. Your independent agent will be able to help you sort through the various policy choices available for Rockford, IL car insurance to find one that meets your needs.

  • National average cost per year: $1,311
  • Illinois average cost per year: $1,079
  • 39th most expensive premiums in the US

Illinois premium costs are considerably lower than the national average, but keep in mind that these numbers are just an estimate of your premium costs. Your Rockford car insurance rate will depend on the options you choose, your personal information, and the kind of car you drive, as well as several other factors. When you work with an independent agent, you’ll be able to compare your insurance options to find a plan that works best for your needs and budget.

There are many insurance options beyond the required coverage. These additional options may raise your premium, but they are worth considering. For example, rental reimbursement coverage is convenient if you find yourself needing a car rental after an auto accident, and emergency road service coverage offers the obvious: roadside assistance. You may think you don’t need these types of coverage until you find yourself sitting in a broken-down car on the side of the road or paying for a rental after an accident. Be sure to take these options into account when you compare Rockford auto insurance quotes.

Illinois Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection : not required
  • Uninsured motorist: required
  • Minimum liability limits: 25/50/20
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $20,000 coverage for property damage.

The state of Illinois only requires that you carry bodily injury liability and property damage liability. Other common coverage, such as personal injury protection coverage and comprehensive, are optional here. Speak with an independent agent to be sure you have the coverage you need to stay safe on the roads.

Illinois Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Illinois uninsured motorists: 13.3%
  • Illinois average vehicle repair cost: $2,449

The percentage of Illinois vehicle owners without required coverage is higher than the national average. Uninsured motorist coverage is required by the state, and it can provide extra security. Knowing damages will be covered if an at-fault driver does not have liability insurance or the money to compensate you can give you peace of mind on the road.

Illinois Car Thefts:

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Illinois vehicle thefts (per 1,000 registered vehicles): 2.63

The car theft rate in Illinois is right around the national average, and Rockford isn’t an exception when it comes to these statistics. Although auto thefts have decreased in the past few years, it is still important to carry theft insurance.

How to Compare Rockford Auto Insurance Quotes

You can compare insurance options online or by calling around, but if you want assistance tailoring your coverage to your unique situation, an independent agent can help. An independent agent can do the research for you and quickly compare what different companies have to offer. 

Contact an independent agent to compare Rockford car insurance options and find the best policy for your needs and driving habits.

Now, who's ready to get their insurance problems solved?