Best Cheap Auto Insurance in Rockford, MI (2021)

The average Rockford, MI auto insurance rates are $737 per month. The minimum auto insurance in Rockford is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Rockford, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Rockford for teen drivers is Allstate
  • The average commute length in Rockford is 25.4 minutes
  • The minimum auto insurance required in Rockford, Michigan is 20/40/10

Rockford, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Rockford can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Rockford, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Rockford to other Michigan cities, including Ann Arbor auto insurance rates, Flint auto insurance rates, and Detroit auto insurance rates to see how Rockford, Michigan auto insurance rates stack up.

Before you buy Rockford, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Rockford, Michigan auto insurance quotes.

Minimum Auto Insurance in Rockford, Michigan

Rockford, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Rockford, Michigan.

Minimum Required Auto Insurance Coverage in Rockford, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Rockford, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Rockford, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Rockford, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $16,066 $16,066 $14,884 $14,884 $40,407 $40,407 $16,938 $16,938
Farmers $4,007 $4,007 $3,737 $3,737 $8,925 $8,925 $4,502 $4,502
GEICO $3,729 $3,729 $3,825 $3,825 $10,835 $10,835 $3,572 $3,572
Liberty Mutual $13,389 $13,389 $13,258 $13,258 $31,321 $31,321 $13,389 $13,389
Nationwide $2,719 $2,719 $2,443 $2,443 $6,792 $6,792 $2,959 $2,959
Progressive $2,509 $2,378 $2,232 $2,420 $9,707 $10,607 $2,935 $2,835
State Farm $5,995 $5,995 $5,552 $5,552 $20,974 $20,974 $7,043 $7,043
Travelers $4,850 $4,850 $4,165 $4,165 $14,603 $14,603 $5,267 $5,267
USAA $2,687 $2,536 $2,526 $2,379 $6,546 $6,195 $3,266 $3,121

Cheap Rockford, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Rockford, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Rockford, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Rockford, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $40,407 $40,407
Farmers $8,925 $8,925
GEICO $10,835 $10,835
Liberty Mutual $31,321 $31,321
Nationwide $6,792 $6,792
Progressive $9,707 $10,607
State Farm $20,974 $20,974
Travelers $14,603 $14,603
USAA $6,546 $6,195

Cheap Rockford, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Rockford, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Rockford, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,884 $14,884
Farmers $3,737 $3,737
GEICO $3,825 $3,825
Liberty Mutual $13,258 $13,258
Nationwide $2,443 $2,443
Progressive $2,232 $2,420
State Farm $5,552 $5,552
Travelers $4,165 $4,165
USAA $2,526 $2,379

Cheap Rockford, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Rockford, Michigan compared to the annual auto insurance rates with a clean record in Rockford, Michigan.

Annual Rockford, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,783 $14,376 $48,068 $15,069
Farmers $4,454 $5,664 $5,595 $5,457
GEICO $1,903 $4,088 $12,415 $3,555
Liberty Mutual $12,323 $15,007 $28,135 $15,892
Nationwide $3,224 $4,224 $3,863 $3,601
Progressive $3,824 $4,940 $4,434 $4,613
State Farm $6,284 $7,538 $16,321 $9,420
Travelers $4,876 $6,972 $11,276 $5,761
USAA $2,942 $3,674 $4,806 $3,206

Cheap Rockford, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Rockford, Michigan is not easy. Compare the annual rates for DUI auto insurance in Rockford, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Rockford, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $48,068
Farmers $5,595
GEICO $12,415
Liberty Mutual $28,135
Nationwide $3,863
Progressive $4,434
State Farm $16,321
Travelers $11,276
USAA $4,806

Cheap Rockford, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Rockford, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Rockford, Michigan

Insurance Company Poor Fair Good
Allstate $33,450 $18,530 $14,242
Farmers $6,995 $4,620 $4,263
GEICO $7,056 $5,190 $4,224
Liberty Mutual $28,209 $16,301 $9,009
Nationwide $4,613 $3,532 $3,039
Progressive $5,068 $4,330 $3,961
State Farm $16,021 $8,124 $5,528
Travelers $7,398 $7,178 $7,088
USAA $5,477 $3,123 $2,370

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Cheap Rockford, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Rockford, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Rockford, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Rockford, Michigan

ZIP Code Average Annual Rates
49341 $6,220

Cheap Rockford, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Rockford, Michigan auto insurance. Find the cheapest annual Rockford, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Rockford, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,074 $22,074
Farmers $5,293 $5,293
GEICO $5,368 $5,613
Liberty Mutual $17,230 $18,449
Nationwide $3,728 $3,728
Progressive $4,453 $4,453
State Farm $9,633 $10,149
Travelers $7,180 $7,263
USAA $3,615 $3,699

Cheap Rockford, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Rockford, Michigan? Check out the comparison of annual Rockford, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Rockford, Michigan

Insurance Company Low Medium High
Allstate $21,511 $22,124 $22,586
Farmers $5,152 $5,279 $5,447
GEICO $5,140 $5,442 $5,888
Liberty Mutual $17,417 $17,798 $18,304
Nationwide $3,870 $3,673 $3,641
Progressive $4,318 $4,459 $4,581
State Farm $9,437 $9,947 $10,289
Travelers $7,150 $7,227 $7,287
USAA $3,557 $3,665 $3,748

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Best By Category: Cheapest Auto Insurance in Rockford, Michigan

Compare the cheapest auto insurance companies in Rockford, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Rockford, Michigan

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

The Cheapest Rockford, Michigan Auto Insurance Companies

What auto insurance companies in Rockford, Michigan are the cheapest? Compare the top Rockford, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Rockford, Michigan

Insurance Company Average Annual Rates
Allstate $22,074
Farmers $5,293
GEICO $5,490
Liberty Mutual $17,840
Nationwide $3,728
Progressive $4,453
State Farm $9,891
Travelers $7,221
USAA $3,657

What affects auto insurance rates in Rockford, Michigan?

There are a lot of reasons why auto insurance rates in Rockford, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Rockford, Michigan. Many local factors may affect your Rockford auto insurance rates.

Rockford Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Rockford, Michigan auto theft statistics, there have been 2 auto thefts in the city.

Rockford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Rockford, Michigan commute length is 25.4 minutes according to City-Data.

Rockford Traffic

How does Rockford, Michigan rank for traffic? According to Inrix Rockford, Michigan is the 463rd most congested worldwide.

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Compare Rockford, Michigan Auto Insurance Quotes

Before you buy Rockford, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Rockford, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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