Rockford Insurance Rates:

Rockford, IL home insurance is roughly $626 to $847, about $52-$70/month. Our detailed analysis indicates shoppers can save upto $294 by getting multiple quotes

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Rockford Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $340/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

5 Beds, 5 Baths 1700 sqft Vacation Property Constructed In 1943 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $340/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 2860 sqft Vacation Property Constructed In 1978 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $160/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 2280 sqft Vacation Property Constructed In 1945 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Divorced Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $980/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

5 Beds, 5 Baths 4220 sqft Rental Property Constructed In 1943 with Linoleum, Wood Shake Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $140/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1670 sqft Primary Residence Constructed In 1989 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Rockford, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
61103 $94,600 $730
61101 $80,800 $730
61102 $77,600 $730
61104 $75,000 $720
61114 $168,000 $770
61107 $136,000 $760
61109 $117,300 $740
61108 $116,000 $750

Rockford Rates & Quotes Analysis:

Rockford Area Estimated House Insurance
Rolling Hedge Ln, N Willard Ave, Spring Ct, S Court St, Knowlton St, Larnell Pkwy, Sovereign Blvd, Wedel Ave, Fitch Rd, Sherbrooke Rd$716
Crimson Ridge Dr, Garden Plain Ave, Canary Dr, Macintosh Ln, Tollview Ln, Hinsdale Ave, Hiatt Dr, Grant Ave, Finch St, S 1st St$764
Schlensker Dr, Otis St, Vanista Ct, Page Pl, Enterprise Dr, Evanston Dr, Executive Pkwy, Tatum Rd, 21st St, Kay Ave$754
Meander Dr, Linden Rd, Thames Way, Red Oak Ln, Carlesburg Ct, Gas Lite Ct, Vineyard Ln, Park Er Woods Dr, Falund St, Apawamis Way E$750
Morgan St, Pleasant View Ave, Morgan St, Elva Ln, Meadows Cir, Highview Ave, Sunbird Dr, Cherokee Hills Dr, Aragona Dr, Vista Ter$720
Crabapple Ln, Regal Ridge Cir, Wallis Ave, Woodcreek Bend, Sue Ln, Flagstone Dr, Oakforest Dr, Milehigh Dr, Minnesota Dr, Conover Dr$757
Highview Ave, Falmouth Dr, Wansford Way, Whisper Ct, S Independence Ave, Lundvall Ave, Cushman Rd, Lombard St, Rock River Ave, Runway Dr$753
Pond St, Euclid Ave, Grand Blvd, Harrington Ave, Wallace St, Conner Ln, S Mill Rd, Selden St, Roncevalles Ave, E Summerfield Dr$691
Island Ave, Scottswood Rd, Clayton Ct, Harlem Blvd, Locust St, Galleria Dr, Zenith Pkwy, Field Stone Dr, Beechwood Dr, la Cresta Dr$757
Danburry Dr, Summerdale Ave, Kerstin Ct, Cunningham St, Winnetka Dr, Crampton Ct, Springdale Dr, 2nd St, Tay St, 14th St$767

Insurance rates are influenced by a number of factors including:

  • Year Built: 17,635 Homes (22% of total homes ) built between 1939 or earlier in Rockford are paying home insurance between $1,573-$1,584. Places close to Rockford, IL such as Cherry Valley, Loves Park, Winnebago County are more expensive by $34, $16, $20 respectively while New Milford and Beloit(WI) are cheaper by $34 and $262 respectively for similar homes.
  • Bedrooms: 29,865 3 bedrooms homes (38% of total homes ) in Rockford are paying about $685. Areas near to Rockford such as Cherry Valley, Loves Park, Winnebago County are costlier by $7, $6, $9 respectively whereas New Milford and Beloit(WI) are more economical by $22, $77 respectively for similar homes.
  • Auto Insurance Bundling: 8,492 Households (19% of all households) in Rockford have 3 or more vehicles available and when it is bundled with home insurance you can save $184. Discounts for similar bundling in close by locations such as New Milford, Cherry Valley, Loves Park come to $180, $188, $185 respectively.
  • Senior Discounts: 21,503 seniors (more than 55 years) occupied housing units (50% of total) in Rockford get discounts between $110 to $112 and varies from New Milford ($108), Cherry Valley ($112), Loves Park ($111).
  • New Homes discounts: New homes such as the 26,111 homes built between 2000 to 2009 in Rockford can save $147 in contrast with New Milford ($144), Cherry Valley ($150), Loves Park ($148).

Rockford Homeowners insurance Facts

  • Rockford, IL has 42,815 owner occupied houses which is 60.9% of all units whereas New Milford, Cherry Valley and Loves Park have 80.63%, 65.59% and 72.1% respectively.
  • Rockford, IL homeowners yearly insurance price at $736 is 0.67% of the typical house value of $109,200 which is in contrast with 0.94% in New Milford, 0.53% at Cherry Valley & 0.61% in Loves Park.
  • Homeowners in Rockford, IL pay 2.26% of their income ($30,000 to $34,999) in insurance whereas homeowners in New Milford, Cherry Valley and Loves Park pay 2.22%, 2.31% and 2.29% respectively.
  • Rockford, IL’s insurance is 5.1% of monthly housing costs of $1,201/month, for owners with a mortgage compared to 4.4% in New Milford, 4.75% at Cherry Valley & 4.82% in Loves Park. But, for households without a mortgage, insurance is 12.8% of costs ($479 in Rockford, IL) in contrast with 13.1% in New Milford, 12.31% at Cherry Valley & 13.58% in Loves Park.

Rockford, IL Home Values & Insurance rates

For example, insurance for 5,567 Homes (13.0% of total homes ) valued between $125,000 to $149,999 in Rockford, IL is about $920. Rates in nearby areas in such as Cherry Valley, Loves Park, Winnebago County are cheaper by $191, $81, $122 respectively while New Milford and Beloit are costlier by $376 and $31 respectively for similar homes.

Rockford, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,117 7.0% $161
$50,000 to $59,999 1,571 3.0% $353
$60,000 to $69,999 2,753 6.0% $434
$70,000 to $79,999 3,227 7.0% $500
$80,000 to $89,999 3,797 9.0% $566
$90,000 to $99,999 4,479 10.0% $632
$100,000 to $124,999 6,675 15.0% $736
$125,000 to $149,999 5,567 13.0% $920
$150,000 to $174,999 4,531 10.0% $1089
$175,000 to $199,999 2,026 4.0% $1258
$200,000 to $249,999 2,256 5.0% $1516
$250,000 to $299,999 1,248 2.0% $1854
$300,000 to $399,999 820 1.0% $2355

Renters Insurance in Rockford

  • Average Renters Insurance in Rockford :  $207($17/month)

  • Median Gross Rent in Rockford :  $700

  • Rockford Renters Insurance to Median Rent Ratio:  2.43%

  • Average household size of renter-occupied unit :  2.37

Rockford Renters Insurance as a Percentage of Rent

Rockford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 888 3.0% $351
$200 to $299 934 3.0% $801
$300 to $499 3,130 11.0% $1251
$500 to $749 10,095 38.0% $1926
$750 to $999 6,932 26.0% $2676
$1,000 to $1,499 3,577 13.0% $3801
$1,500 or more 818 3.0% $5451

Rent Affordability in Rockford:

Approximately 52.0% (14,487) of households are spending more than 35% of their income on gross rent in Rockford

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,492 9.0%
15.0 to 19.9 percent 2,975 10.0%
20.0 to 24.9 percent 2,876 10.0%
25.0 to 29.9 percent 2,747 9.0%
30.0 to 34.9 percent 1,964 7.0%
35.0 percent or more 14,487 52.0%

Rockford Renters Insurance Discounts:

Rockford Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Rockford, IL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 14,401 52.0% $20.7
2 vehicles available 5,680 20.0% $31.05
3 or more vehicles available 1,276 4.0% $41.4

Rockford Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,902 6.0% $70
60 to 64 years 1,409 5.0% $56
65 to 74 years 2,145 7.0% $45
75 years and over 2,594 9.0% $35

Protective device discount in Rockford Up to :  $31

Claims-free discount in Rockford Up to :  $41