Car Insurance Cost in Rockford, IL – Cheapest Rates + Rankings

How much will car insurance cost in Rockford? We rank the top 20 models in six automotive segments that have the cheapest car insurance in Rockford, IL.

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How much does Rockford car insurance cost?

The average cost of car insurance in Rockford is $2,184 per year, which is approximately $182 per month. Rockford car insurance costs 1.7% less than the U.S. average rate of $2,221.

In the state of Illinois, average car insurance cost is $2,262 per year, so the average cost in Rockford is $78 less per year. When compared to other locations in Illinois, the average cost of auto insurance in Rockford is around $36 per year more than in Aurora, $60 per year more than in Naperville, and $366 per year less than in Chicago.

Driver age is the single-largest factor that determines the price of car insurance, so the list below illustrates these differences by breaking down average car insurance rates in Rockford for driver ages from 16 to 60.

Average car insurance cost for Rockford, Illinois, drivers age 16 to 60

  • 16-year-old rated driver – $7,779 per year or $648 per month
  • 17-year-old rated driver – $7,538 per year or $628 per month
  • 18-year-old rated driver – $6,754 per year or $563 per month
  • 19-year-old rated driver – $6,151 per year or $513 per month
  • 20-year-old rated driver – $4,396 per year or $366 per month
  • 30-year-old rated driver – $2,332 per year or $194 per month
  • 40-year-old rated driver – $2,184 per year or $182 per month
  • 50-year-old rated driver – $1,938 per year or $162 per month
  • 60-year-old rated driver – $1,816 per year or $151 per month

The chart below shows average car insurance rates in Rockford, Illinois, for 2024 model year vehicles for both different driver ages and comprehensive and collision deductibles.

Average full-coverage car insurance premium in Rockford, IL for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Rockford, IL for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Rockford, IL Zip Codes.

Average Car Insurance Cost in Rockford, IL
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,718$310
$500$4,396$366
$250$5,110$426
30$1,000$1,954$163
$500$2,332$194
$250$2,724$227
40$1,000$1,836$153
$500$2,184$182
$250$2,546$212
50$1,000$1,638$137
$500$1,938$162
$250$2,248$187
60$1,000$1,534$128
$500$1,816$151
$250$2,106$176

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Rockford, IL Zip Codes. Updated June 27, 2025

In the chart above, the cost of auto insurance in Rockford ranges from $1,534 per year for a 60-year-old driver with a policy with high deductibles to $5,110 per year for a 20-year-old driver with a low deductible. From a monthly budget standpoint, the average cost in the prior chart ranges from $128 to $426 per month.

Auto insurance rates are priced differently for every driver and slight changes in driver risk profiles can have enormous effects on car insurance cost. Since the chances of having many different rates is high, this emphasizes the need to get accurate car insurance quotes when shopping around for the cheapest rate.

The most popular vehicles in Rockford tend to be compact or midsize sedans like the Hyundai Elantra, Nissan Sentra, and Kia K5 and small or midsize SUVs like the Honda CR-V, Toyota RAV4, and Jeep Grand Cherokee.

Some additional popular vehicles from other segments include luxury models like the Lexus ES 350 and BMW X5, pickup trucks like the Toyota Tacoma and Ram 1500, and sports cars like the Porsche 911 and Audi TT.

We explore more car insurance rates coming up in the article, but first, let’s quickly review the concepts we tackled so far in the article.

  • Rockford car insurance rates are cheaper than the Illinois state average – $2,184 (Rockford average) versus $2,262 (Illinois average)
  • Car insurance rates decline a lot from age 20 to 30 – The average 30-year-old Rockford driver will pay $2,064 less annually than a 20-year-old driver, $2,332 compared to $4,396.
  • Auto insurance is generally cheaper as you age – Auto insurance rates for a 60-year-old driver in Rockford are $2,580 per year cheaper than for a 20-year-old driver.
  • Insuring a teenager can be expensive – Average cost can range from $5,199 to $7,779 per year to insure a teen driver in Rockford, IL.
  • Teen female drivers pay less than teen males – Teenage female drivers age 16 to 19 pay $952 to $511 less per year than males of the same age.
  • Rockford, IL, car insurance cost is less than the U.S. average – $2,184 (Rockford average) compared to $2,221 (U.S. average)

What are the cheapest vehicles to insure in Rockford, Illinois?

The models with the cheapest average insurance quotes in Rockford tend to be crossovers and compact SUVs like the Kia Soul, Subaru Crosstrek, and Toyota Corolla Cross.

Average car insurance quotes for those crossover SUVs cost $1,776 or less per year, or $148 per month, for a policy with full coverage.

Some additional vehicles that have affordable auto insurance quotes in our overall cost comparison are the Honda CR-V, Nissan Murano, Kia Niro, and Subaru Outback. Average insurance cost is slightly higher for those models than the cheapest compact SUVs and crossovers at the top of the rankings, but they still have average rates of $159 or less per month in Rockford.

The following table lists the 25 cheapest vehicles to insure in Rockford, ordered starting with the cheapest.

Top 25 Cheapest Car Insurance Rates in Rockford, Illinois
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,614$135
2Chevrolet Trailblazer$1,644$137
3Kia Soul$1,706$142
4Nissan Kicks$1,722$144
5Honda Passport$1,740$145
6Buick Envision$1,752$146
7Toyota Corolla Cross$1,762$147
8Hyundai Venue$1,776$148
9Mazda CX-5$1,782$149
10Ford Bronco Sport$1,790$149
11Volkswagen Tiguan$1,810$151
12Acura RDX$1,826$152
13Nissan Murano$1,836$153
14Buick Encore$1,856$155
15Subaru Outback$1,860$155
16Honda CR-V$1,864$155
17Buick Envista$1,868$156
18Volkswagen Taos$1,870$156
19Kia Niro$1,882$157
20Toyota GR Corolla$1,898$158
21Subaru Ascent$1,900$158
22Honda HR-V$1,902$159
23Nissan Leaf$1,914$160
24Chevrolet Colorado$1,926$161
25Lexus NX 250$1,934$161

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rockford, IL Zip Codes. Updated June 26, 2025

Top 25 cheapest vehicles to insure in Rockford, IL with the Subaru Crosstrek ranking first at $1,614 per year
Top 25 cheapest vehicles to insure in Rockford, IL with the Subaru Crosstrek ranking first at $1,614 per year

A table of 25 ranked vehicles is great if you’re just looking for low rates. A more useful way to group rates for more vehicles is by sorting them by vehicle segment. The following six sections rank the models with the most affordable insurance rates for the six most popular segments.

Cheapest car insurance rates in Rockford

Taking the top spot in Rockford for cheapest average insurance in the non-luxury sedan segment is the Toyota GR Corolla, at an average of $1,898 per year. Second place is the Nissan Leaf costing $1,914 per year, and in third place is the Honda Civic, at an average of $1,936 per year.

Not the cheapest to insure, but still ranked well, are cars like the Honda Accord, Toyota Prius, Chevrolet Malibu, and Kia K5, with average rates of $2,128 per year or less.

Some additional cars that made the list include the Mitsubishi Mirage G4, Hyundai Sonata, Hyundai Ioniq 6, and Volkswagen Arteon, which cost between $2,128 and $2,260 per year for auto insurance.

Car insurance rates for this segment in Rockford for a safe driver starts at around $158 per month, depending on the company and your location.

The comparison table below ranks the twenty cars with the most affordable car insurance in Rockford, starting with the Toyota GR Corolla at $1,898 per year and ending with the Mazda 3 at $2,260 per year.

Cheapest Car Insurance in Rockford, Illinois
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,898$158
Nissan LeafCompact$1,914$160
Honda CivicCompact$1,936$161
Nissan SentraCompact$2,000$167
Subaru ImprezaCompact$2,008$167
Toyota PriusCompact$2,042$170
Kia K5Midsize$2,104$175
Honda AccordMidsize$2,110$176
Chevrolet MalibuMidsize$2,116$176
Toyota CorollaCompact$2,128$177
Kia ForteCompact$2,132$178
Volkswagen ArteonMidsize$2,146$179
Nissan VersaCompact$2,152$179
Subaru LegacyMidsize$2,156$180
Hyundai Ioniq 6Midsize$2,176$181
Mitsubishi Mirage G4Compact$2,204$184
Volkswagen JettaCompact$2,208$184
Toyota CrownMidsize$2,212$184
Hyundai SonataMidsize$2,214$185
Mazda 3Compact$2,260$188

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rockford, IL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Rockford, IL, with the Toyota GR Corolla ranking first at $1,898 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Rockford, IL, with the Toyota GR Corolla ranking first at $1,898 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Rockford car insurance quotes from top-rated car insurance companies in Illinois.

Cheapest SUV insurance rates in Rockford

Ranking highest for the lowest-cost Rockford auto insurance rates in the SUV segment (excluding luxury models) are the Nissan Kicks, Honda Passport, Subaru Crosstrek, Kia Soul, and Chevrolet Trailblazer. Rates for these models average $145 or less per month.

Some other SUVs that have affordable insurance rates include the Ford Bronco Sport, Mazda CX-5, Buick Envision, and Hyundai Venue, with average rates of $1,790 per year or less.

Full-coverage car insurance in Rockford for this segment for a middle-age safe driver starts at an average of $135 per month, depending on where you live and the company you use.

The rate comparison table below ranks the SUVs with the lowest-cost car insurance rates in Rockford, starting with the Subaru Crosstrek at $1,614 per year and ending with the Subaru Ascent at $1,900 per year.

Cheapest SUV Insurance in Rockford, Illinois
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,614$135
Chevrolet TrailblazerCompact$1,644$137
Kia SoulCompact$1,706$142
Nissan KicksCompact$1,722$144
Honda PassportMidsize$1,740$145
Buick EnvisionCompact$1,752$146
Toyota Corolla CrossCompact$1,762$147
Hyundai VenueCompact$1,776$148
Mazda CX-5Compact$1,782$149
Ford Bronco SportCompact$1,790$149
Volkswagen TiguanCompact$1,810$151
Nissan MuranoMidsize$1,836$153
Buick EncoreCompact$1,856$155
Subaru OutbackMidsize$1,860$155
Honda CR-VCompact$1,864$155
Buick EnvistaMidsize$1,868$156
Volkswagen TaosCompact$1,870$156
Kia NiroCompact$1,882$157
Subaru AscentMidsize$1,900$158
Honda HR-VCompact$1,902$159

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rockford, IL Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Rockford, IL, with the Subaru Crosstrek ranking first at $1,614 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Rockford, IL, with the Subaru Crosstrek ranking first at $1,614 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rockford car insurance quotes from top-rated car insurance companies in Illinois.

Cheapest pickups to insure in Rockford

The top five cheapest pickups to insure in Rockford are the Chevrolet Colorado, Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. Insurance rates for these five models range from $1,926 to $2,120 per year.

Other pickups that have affordable average insurance rates are the GMC Canyon, GMC Sierra 2500 HD, Hyundai Santa Cruz, and Toyota Tacoma, with average insurance cost of $2,246 per year or less.

From a cost per month standpoint, full-coverage insurance on this segment in Rockford can cost as low as $161 per month, depending on your location and insurance company. The next table ranks the pickups with the lowest-cost insurance in Rockford, starting with the Chevrolet Colorado at $1,926 per year and ending with the Ram Truck at $2,526 per year.

Cheapest Pickup Insurance in Rockford, Illinois
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,926$161
Nissan TitanFull-size$2,042$170
Nissan FrontierMidsize$2,064$172
Ford RangerMidsize$2,088$174
Ford MaverickMidsize$2,120$177
Honda RidgelineMidsize$2,168$181
Hyundai Santa CruzMidsize$2,206$184
Toyota TacomaMidsize$2,210$184
GMC Sierra 2500 HDHeavy Duty$2,224$185
GMC CanyonMidsize$2,246$187
Jeep GladiatorMidsize$2,300$192
GMC Sierra 3500Heavy Duty$2,316$193
Chevrolet Silverado HD 3500Heavy Duty$2,334$195
Chevrolet Silverado HD 2500Heavy Duty$2,398$200
GMC SierraFull-size$2,412$201
Chevrolet SilveradoFull-size$2,414$201
Nissan Titan XDHeavy Duty$2,414$201
Ford F150Full-size$2,444$204
GMC Hummer EV PickupFull-size$2,504$209
Ram TruckFull-size$2,526$211

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rockford, IL Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rockford, IL, with the Chevrolet Colorado ranking first at $1,926 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rockford, IL, with the Chevrolet Colorado ranking first at $1,926 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see your pickup model? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Rockford car insurance quotes from top-rated companies in Illinois.

Cheapest sports car insurance rates in Rockford, IL

Ranking highest for the lowest-cost Rockford car insurance rates in the sports car and performance segment are the Ford Mustang, BMW Z4, Toyota GR86, Mazda MX-5 Miata, and Subaru WRX. Auto insurance prices for these 2024 models average $204 or less per month.

Other models that have cheaper rates include the Toyota GR Supra, Nissan Z, Subaru BRZ, and Lexus RC F, with average annual insurance rates of $2,612 per year or less.

Full-coverage car insurance for this segment in Rockford for a middle-age safe driver will start around $169 per month, depending on your company and location.

The next table ranks the twenty sports cars with the most affordable average car insurance rates in Rockford, starting with the Mazda MX-5 Miata at $2,022 per year ($169 per month) and ending with the Porsche Taycan at $3,700 per year ($308 per month).

Cheapest Sports Car Insurance in Rockford, Illinois
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,022$169
Toyota GR86Sports Car$2,304$192
Ford MustangSports Car$2,398$200
BMW Z4Sports Car$2,412$201
Subaru WRXSports Car$2,450$204
Toyota GR SupraSports Car$2,454$205
BMW M2Sports Car$2,526$211
Nissan ZSports Car$2,532$211
Lexus RC FSports Car$2,584$215
Subaru BRZSports Car$2,612$218
BMW M3Sports Car$2,758$230
Porsche 718Sports Car$2,812$234
Chevrolet CamaroSports Car$2,838$237
Chevrolet CorvetteSports Car$3,026$252
Porsche 911Sports Car$3,130$261
BMW M4Sports Car$3,260$272
Lexus LC 500Sports Car$3,276$273
Jaguar F-TypeSports Car$3,446$287
Mercedes-Benz AMG GT53Sports Car$3,616$301
Porsche TaycanSports Car$3,700$308

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rockford, IL Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Rockford, IL, with the Mazda MX-5 Miata ranking first at $2,022 per year.
Ranking of the cheapest sports cars to insure in Rockford, IL, with the Mazda MX-5 Miata ranking first at $2,022 per year.

Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Rockford.

Cheapest luxury cars to insure in Rockford, Illinois

Ranking at the top of the list for the lowest-cost Rockford auto insurance rates in the luxury car segment are the BMW 330i, Lexus IS 300, Mercedes-Benz CLA250, Acura TLX, and Acura Integra. Auto insurance prices for these vehicles average $2,260 or less per year.

Other luxury cars that have cheaper rates are the Lexus ES 350, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus RC 300, with average cost of $2,298 per year or less.

From a cost per month standpoint, full-coverage car insurance on this segment in Rockford for a good driver can cost as low as $162 per month, depending on the company and where you live.

If rates are ranked based on vehicle size, the cheapest small luxury car to insure in Rockford is the Acura Integra at $1,944 per year, or $162 per month. For midsize luxury car models, the Mercedes-Benz CLA250 is cheapest to insure at $2,250 per year, or $188 per month. And for full-size luxury car models, the Audi A5 is the cheapest model to insure at $2,598 per year, or $217 per month.

The table below ranks the luxury cars with the cheapest average auto insurance rates in Rockford, starting with the Acura Integra at $1,944 per year and ending with the Audi S3 at $2,450 per year.

Cheapest Luxury Car Insurance in Rockford, Illinois
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,944$162
BMW 330iCompact$2,224$185
Mercedes-Benz CLA250Midsize$2,250$188
Lexus IS 300Midsize$2,252$188
Acura TLXCompact$2,260$188
Cadillac CT4Compact$2,282$190
Lexus ES 350Midsize$2,282$190
Genesis G70Compact$2,288$191
Mercedes-Benz AMG CLA35Midsize$2,292$191
Lexus RC 300Midsize$2,298$192
Lexus IS 350Compact$2,306$192
Jaguar XFMidsize$2,312$193
Cadillac CT5Midsize$2,356$196
Lexus ES 250Midsize$2,364$197
BMW 330eCompact$2,372$198
Lexus RC 350Compact$2,372$198
BMW 228iCompact$2,376$198
BMW 230iCompact$2,394$200
Lexus ES 300hMidsize$2,398$200
Audi S3Compact$2,450$204

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rockford, IL Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rockford, IL, with the Acura Integra ranking first at $1,944 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rockford, IL, with the Acura Integra ranking first at $1,944 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Illinois.

Cheapest luxury SUV insurance rates in Rockford, Illinois

Ranking highest for the cheapest Rockford auto insurance rates in the luxury SUV segment are the Cadillac XT5, Acura RDX, Jaguar E-Pace, Cadillac XT4, and Lexus NX 250. Car insurance quotes for these 2024 models average $172 or less per month.

Other luxury SUVs that rank well in our comparison include the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus UX 250h, and Lexus NX 450h, with an average cost of $2,108 per year or less.

Car insurance in Rockford for this segment for the average driver starts at an average of $152 per month, depending on your company and location. The next table ranks the SUVs with the cheapest car insurance rates in Rockford, starting with the Acura RDX at $1,826 per year ($152 per month) and ending with the Lexus RX 350 at $2,192 per year ($183 per month).

Cheapest Luxury SUV Insurance in Rockford, Illinois
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,826$152
Lexus NX 250Compact$1,934$161
Cadillac XT4Compact$1,974$165
Jaguar E-PaceMidsize$2,042$170
Cadillac XT5Midsize$2,062$172
Lexus NX 350hCompact$2,062$172
Lincoln CorsairCompact$2,088$174
Mercedes-Benz GLB 250Compact$2,092$174
Lexus UX 250hCompact$2,096$175
Lexus NX 450hCompact$2,108$176
Infiniti QX50Midsize$2,122$177
Mercedes-Benz GLA250Compact$2,132$178
Cadillac XT6Midsize$2,138$178
Mercedes-Benz GLA35 AMGCompact$2,138$178
Infiniti QX60Midsize$2,148$179
Mercedes-Benz AMG GLB35Midsize$2,152$179
Acura MDXMidsize$2,182$182
Land Rover EvoqueCompact$2,182$182
Lexus NX 350Compact$2,192$183
Lexus RX 350Midsize$2,192$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rockford, IL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rockford, IL, with the Acura RDX ranking first at $1,826 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rockford, IL, with the Acura RDX ranking first at $1,826 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Looking for rates for a different luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rockford car insurance quotes from top car insurance companies in Illinois.

Prices vary based on driver risk

In an effort to show how much the cost of auto insurance can change from one driver to the next, the examples below have a large range of rates for three popular models in Rockford: the Ford F150, Honda CR-V, and Kia Sorento.

Each vehicle example displays average rates for different profiles to demonstrate the difference in average cost with minor changes to the policy rating factors.

Ford F150 insurance rates

Car insurance for a Ford F150 in Rockford costs an average of $2,444 per year, or about $204 per month, and has a range of $2,028 to $5,644 per year for the sample driver risk profiles displayed in the insurance cost chart below.

Average 2024 Ford F150 insurance premiums in Rockford for different driver ages and risk scenarios.
Figure 2: Average 2024 Ford F150 insurance premiums in Rockford for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Rockford includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Rockford, IL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,644$470
Safe Driver Age 20$4,940$412
At-fault Accidents Age 40$3,470$289
Low Deductibles Age 40$3,202$267
Safe Driver Age 30$2,606$217
Safe Driver Age 40$2,444$204
Safe Driver Age 50$2,162$180
High Deductibles Age 40$2,056$171
Discount Rate Age 40$2,028$169
Safe Driver Age 60$2,026$169

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 26, 2025

The Ford F150 is a full-size truck, and additional similar models from the same segment include the Chevrolet Silverado, Ram Truck, GMC Sierra, and Toyota Tundra.

Honda CR-V insurance rates

In Rockford, Honda CR-V insurance averages $1,864 per year, or about $155 per month, and has a range of $1,550 to $4,280 annually.

Average 2024 Honda CR-V insurance premiums in Rockford for different driver ages and risk scenarios.
Figure 3: Average 2024 Honda CR-V insurance premiums in Rockford for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Rockford includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Rockford, IL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,280$357
Safe Driver Age 20$3,742$312
At-fault Accidents Age 40$2,638$220
Low Deductibles Age 40$2,430$203
Safe Driver Age 30$1,986$166
Safe Driver Age 40$1,864$155
Safe Driver Age 50$1,652$138
High Deductibles Age 40$1,572$131
Discount Rate Age 40$1,550$129
Safe Driver Age 60$1,548$129

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 26, 2025

The Honda CR-V belongs to the compact SUV segment, and additional models from the same segment that are popular in Rockford, Illinois, include the Subaru Forester, Toyota RAV4, and Nissan Rogue.

Kia Sorento insurance rates

In Rockford, Kia Sorento insurance costs an average of $2,076 per year, or around $173 per month, and has a range of $1,724 to $4,762 per year.

Average 2024 Kia Sorento insurance premiums in Rockford for different driver ages and risk scenarios.
Figure 4: Average 2024 Kia Sorento insurance premiums in Rockford for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Rockford includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Rockford, IL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,762$397
Safe Driver Age 20$4,168$347
At-fault Accidents Age 40$2,928$244
Low Deductibles Age 40$2,736$228
Safe Driver Age 30$2,214$185
Safe Driver Age 40$2,076$173
Safe Driver Age 50$1,832$153
High Deductibles Age 40$1,734$145
Discount Rate Age 40$1,724$144
Safe Driver Age 60$1,720$143

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 26, 2025

The Kia Sorento is a midsize SUV, and additional models from the same segment that are popular in Rockford, IL, include the Toyota Highlander, Ford Explorer, Ford Edge, and Honda Pilot.

Tips for finding cheaper Rockford car insurance quotes

Drivers should always be searching for ways to save money on auto insurance, so take a minute to review the money-saving tips below and it’s very possible you can save a few bucks when buying auto insurance.

  • Your employer could reduce your rates. Most car insurance providers offer discounts for specific occupations like high school and elementary teachers, lawyers, firefighters, accountants, doctors, and others. Getting this discount applied to your policy could potentially save between $66 and $212 on your annual insurance cost, depending on the policy coverages.
  • Consider buying higher deductibles. Increasing deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Shop around for better rates. Setting aside a few minutes to get some free car insurance quotes can save more money than you might think. Companies make rate modifications frequently and switching companies is very easy to do.
  • Don’t file small claims. Most auto insurance companies give a discounted rate for not filing any claims. Car insurance should only be used to protect you from significant financial loss, not for minor claims that can easily be paid out-of-pocket.
  • If your car is older, remove unneeded coverages. Deleting physical damage coverage from vehicles whose value has dropped to the point where coverage is not cost effective can cut the cost of auto insurance considerably.