Rockford, Illinois Auto Insurance

Get Car Insurance in Rockford, IL 

If you’ve ever cruised down East State Street during rush hour, you know that driving in Rockford, IL can be chaotic and frustrating. Whether you're commuting to work, heading out to the local mall, or picking up kids from school, having the right Rockford auto insurance may help you navigate driving in the city.  

For residents near the Chicagoland area, Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle) is here to assist you with your auto insurance journey. Here, we’ll break down Illinois auto insurance requirements, how much coverage may cost, and how you can find car insurance in Rockford, IL that matches your budget.   

Car insurance requirements in Rockford, IL 

In Illinois, all drivers must have the state’s required liability minimum coverage to drive lawfully. As of 2025, here are the mandated liability limits: 

• $25,000 for injury of one person in an accident 
• $50,000 for injury of more than one person in an accident 
• $20,000 for damage to a third party’s property 

Drivers in Illinois are also required to purchase the state minimum for uninsured motorist coverage. Though this coverage could mean both uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD), the state only mandates that drivers purchase the former. UMBI can help pay for injuries you receive from an accident involving an at-fault uninsured driver, while UMPD may cover damages to your vehicle from an at-fault uninsured driver. In Illinois, your required UMBI limits are:  

• $25,000 for bodily injury per person  
• $50,000 for bodily injury per accident  

Though these limits are what’s required by the state, you can always opt for more auto insurance coverage depending on your needs. Illinois Vehicle works with carriers that can offer policies that range from Illinois minimum liability to full coverage (which typically combines liability, comprehensive, and collision coverage). Our carriers also offer additional coverages like roadside assistance, which can help you navigate situations that need towing or lockout services.  

Cost of auto insurance in Rockford, IL 

So, what does car insurance cost in Rockford? Your car insurance cost can depend on a variety of factors, which may include: 

• Your age and driving history 
• Type of vehicle you drive 
• Your location 
• Coverage type and limits 

At Illinois Vehicle, we believe in helping you find a rate that aligns with your budget. That’s why we can compare rates from multiple carriers to help you pick a policy that works for you.  

Why choose Illinois Vehicle?  

Finding the right auto insurance can feel overwhelming, but Illinois Vehicle is here to assist you through your insurance questions. Our agents are familiar with the challenges Rockford drivers may face, ready to help you choose coverage that fits your lifestyle and budget. 

Here are some other factors to consider us:  

• Flexible payment options: Rockford residents may rely on convenient payment methods, which is why we work with insurance providers who can accept both cash and credit payments.  
• Accepts multiple types of licenses: Our carriers can assist drivers with a variety of driving histories and licenses, including Matricula Consular, temporary licenses, and foreign driver’s licenses.  
• SR-22 insurance: If you're required by a court to get an SR-22, our agents can help you navigate the filing process.  
• Spanish-bilingual support: Illinois Vehicle agents can offer Spanish-bilingual customer support for those who would prefer to communicate in Spanish.  
• Expert agents with local knowledge: Our agents are highly knowledgeable about Rockford and Illinois insurance laws and regulations. 

Save on auto insurance in Rockford with discounts  

Looking to save on your auto insurance policy? Our carriers offer a variety of discounts that may help lower your premium. Here are some discounts you may be eligible for:  

• Paid-in-full discount: If you pay for your policy upfront you may get a discount. 
• Multi-vehicle discount: Got more than one car in the household? Bundling them together in one policy may lower your premium.  
• Good student discount: Students with good grades may be able to earn discounts.  
• Proof-of-prior coverage discount: If you’ve had continuous coverage before switching over, you may be able to save on car insurance.   

Our agents are happy to walk you through your eligibility, so ask us about what discounts may be available for your circumstances.  

Call or visit Illinois Vehicle today 

Whether you’re new to Rockford or just looking to update your coverage, Illinois Vehicle is here to help you find affordable insurance for your budget. We’ve got two convenient Rockford locations and a friendly team that’s ready to assist you with your insurance questions.  

Call us today at 630-581-4805, stop by one of our Chicagoland stores, or visit our website to get a free personalized quote! 

Disclaimer: 

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.