Rockford Insurance Rates:

Rockford, IL homeowners insurance is roughly $626 to $847, about $52-$70/month. Our detailed analysis indicates shoppers can save upto $294 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Save Money on Homeowners Insurance in Rockford, IL

Rockford, located in Illinois, is also known as a forest city. You will find many compelling sites in this scenic community, including Anderson Japanese Gardens, Klehm Arboretum, and Tinker Swiss Cottage. Rockford is home to around 1,78,427 residents. There's a famous saying which says - "a home is where the heart is, whether purchased or at rent. What's inside your home is precious to you". Therefore, you must protect your home from all the perils, including water, fire, and theft. This requires a comprehensive homeowners insurance policy.

The average homeowners insurance rate in Rockford, IL, is $628. Numerous factors affect the cost of insurance, including the house's value, coverage type, deductible, age of the home, claims history, and materials used to build your home. However, homeowners can take advantage of available discounts to lower their home insurance costs.

Check out the discounts available for Rockford homeowners.

Insurance Cost based on the Materials used

Materials used to build the home plays an essential role in signifying the home insurance rates in Rockford, IL. The materials used to construct your home can increase or decrease the insurance premium amount. For example, if you decide to build a house using hail-resistant roofing material, the premium amount charged would be $616 in Rockford, IL. But if you use Masonry or Fire resistive Brick, the price would be $597 and $541, respectively. In order to save money on premiums, use high-quality materials for building purposes.

Refer to the table below to understand the applicable home insurance rates based on the materials used in Rockford, IL.


Insurance Cost based on the Security features

Home security systems help protect residents from theft and damages. Homes equipped with advanced security features pay lower premiums on home insurance. This is because homes with advanced-level security features are less likely to be burglarized and damaged, so homeowners insurance companies offer discounts as incentives. For instance, homes with burglar alarms or lightning protection systems pay $571.48 and $615.44 on homeowner's insurance in Rockford, Illinois.

Insurance Cost based on the House age

House age is one of the most influential factors in determining the cost of home insurance in Rockford, IL. Old homes of 30-40 years old pay premiums of $638 and $645, respectively. Whereas newly built homes get discounts as they are less prone to damages. Therefore, they pay an insurance premium of $453.

Rockford, IL Homeowners Insurance By Home Value

Rockford, IL Home Value Total Homes % of Total Average Rockford, IL 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

Top Home Insurance Agents Near Rockford, IL

Home Insurance Company Near Rockford, IL Homeowners Insurance Agency Near Rockford, IL Address
NA Dunn Insurance Agency 1003 W Comanche Ave , Shabbona, IL, 60550
State Farm Art Espe 221 N Mason Ave, Amboy, IL, 61310-1211
State Farm Emillie An 1024 S McHenry Ave Ste B, Crystal Lake, IL, 60014-7477
Liberty Mutual Matt Oconnor 477 S. Third Street Suite 148 , Geneva , IL , 60134
State Farm Nick Slaughter 450 N Il Route 31 Ste 180, Crystal Lake, IL, 60012-3776

Rockford, IL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Rockford, IL

Streets in Rockford Area Homeowners Insurance Cost
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

Rockford, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Rockford$110 to $112
New Milford$108
Cherry Valley$112
Loves Park$111

Rockford, IL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
New Milford village, Illinois $90 $120 $180
Cherry Valley township, Winnebago County, Illinois $94 $125 $188
Loves Park city, Illinois $93 $123 $185

Rockford, IL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Rockford, IL5.1%12.8%
New Milford4.4%13.1%
Cherry Valley4.75%12.31%
Loves Park4.82%13.58%

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

Rockford, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Rockford Homeowner Insurance Premium Example $400$200
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $3,700$3,100
Net Savings to Rockford Home Owner from High Deductible Plan $600

Rockford, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rockford, IL Home Replacement Value MORE than Home Value Rockford, IL Home Replacement Value LESS than Home Value
Replacement Value $98,500 $69,000
Insurance Premium based on Replacement Value $575 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,000 Risk Exposure from Under Insuring Coverage is $13,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $100/year

Example Rockford Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersErie InsuranceFarmers Insurance
Monthly Premium 453751
Year Built 194819731968
Home Details 3 Beds, 1 Baths5 Beds, 4 Baths4 Beds, 1 Baths
Coverage Amount $125000-$150000$100000-$125000$175000-$200000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Rockford, IL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 145,000 Tile Roof 1,750 4 $2500-$5000 Deductible 40 1 Wood siding yes
1967 160,000 Slate Shingles Roof 2,190 4 $500 Deductible 360 7 Brick siding No
1975 245,000 Membrane Roof 3,150 4 $5000 to $10,000 Deductible 350 5 Fiber-Cement Siding yes
1973 320,000 Membrane Roof 3,970 5 $500- $1000 Deductible 910 7 Vinyl siding No
1984 65,000 Tile Roof 1,000 2 $2500-$5000 Deductible 170 7 Stucco siding No
1986 235,000 Shingles Roof 3,190 4 $500- $1000 Deductible 930 9 Stone Siding yes
1988 255,000 Slate Shingles Roof 2,880 4 $5000 to $10,000 Deductible 250 4 Fiber-Cement Siding No
1972 200,000 Wood Shake Roof 2,870 5 $500 Deductible 670 9 Fiber-Cement Siding No
1982 135,000 Tile Roof 1,540 3 $2500-$5000 Deductible 350 9 Stone Siding yes
1940 95,000 Tile Roof 1,460 3 $500- $1000 Deductible 30 1 Stone Siding No
1964 195,000 Composition Roof 2,200 4 $5000 to $10,000 Deductible 240 4 Brick siding yes
1987 100,000 Asphalt Shingles Roof 1,370 3 $500 Deductible 220 5 Stone Siding No
1949 95,000 Slate Shingles Roof 1,080 2 $500- $1000 Deductible 370 12 Vinyl siding yes
1987 135,000 Slate Shingles Roof 2,100 4 $1000-$2500 Deductible 290 6 Brick siding yes
1982 145,000 Slate Shingles Roof 1,970 4 $2500-$5000 Deductible 170 3 Fiber-Cement Siding yes
1943 80,000 Wood Shake Roof 1,070 2 $2500-$5000 Deductible 160 5 Brick siding No
1944 145,000 Slate Shingles Roof 1,900 3 $500- $1000 Deductible 200 4 Vinyl siding yes
1977 115,000 Tile Roof 1,680 3 $1000-$2500 Deductible 450 8 Wood siding No
1974 220,000 Wood Shake Roof 2,830 4 $1000-$2500 Deductible 560 5 Brick siding yes
1974 140,000 Shingles Roof 1,870 3 $1000-$2500 Deductible 540 10 Vinyl siding yes
1969 150,000 Membrane Roof 1,740 2 $1000-$2500 Deductible 280 6 Brick siding No
1975 90,000 Tile Roof 1,200 3 $500- $1000 Deductible 80 2 Fiber-Cement Siding yes
1985 145,000 Shingles Roof 1,710 3 $2500-$5000 Deductible 190 5 Stucco siding yes
1947 110,000 Tile Roof 1,640 4 $2500-$5000 Deductible 200 7 Wood siding No
1966 290,000 Tile Roof 3,360 4 $2500-$5000 Deductible 350 4 Stucco siding yes
1943 120,000 Slate Shingles Roof 1,700 5 $2500-$5000 Deductible 340 10 Vinyl siding No
1978 215,000 Slate Shingles Roof 2,860 4 $5000 to $10,000 Deductible 340 7 Wood siding No
1945 135,000 Shingles Roof 2,280 3 $1000-$2500 Deductible 160 5 Wood siding yes
1943 325,000 Wood Shake Roof 4,220 5 $500- $1000 Deductible 980 6 Brick siding yes
1989 125,000 Slate Shingles Roof 1,670 2 $1000-$2500 Deductible 140 3 Fiber-Cement Siding No

Latest Home Insurance Reviews

Erie Insurance
I recently purchased a home alarm system from ADT. One of the main selling points they use is that there will be a substantial savings in your home owners insurance premiums.
Erie Insurance
Customer service is very good, following up with situations and helped me accordingly.they always call back to see how my situation is doing and see if they can help.
Homesite Insurance
My deductible is pretty comparable to other insurance companies. After research it is also the best price I could find in an insurance policy.
I have little to compare them against since they have always been my provider. I think they are well respected in the marketplace though.
State Farm
The customer service is great. They are always available whenever I call, I believe they have someone available 24/7. I have no complains for the times that I've called, they were always helpful.
I think the premium is in line. We have a high deductible so most of our home claims we must self insure.
Farmer's Insurance
Their rates are comparable with other insurance companies in the area.
The price and quality are much better than the competition. their online payment is very easy to set up and a breeze to log in.
It is the same company as my auto insurance, so i'm able to pay them together at the same time.
State Farm
I like that the insurance agent I have is very friendly and is able to break down my policy, which I feel covers a lot for the price, very well and enough for me to understand it.
American Family
All in all, American Family Insurance was the best choice for me and my family and fit our needs. I look forward to working with them in the future.
Customer service has always been very good and professional. I have not had many issues but the few times I've needed to contact them it has been very pleasant
My premium is good, no complaints there. I trust Geico since they do such a good job on my car insurance.
AAA is a reputable, nation-wide company, and also a non-profit organization that has my best interests in mind.
State Farm
Ease of use, it isn't always easy to find information that I am looking for as it may be subcategorized. I want to also easily be able to see the average costs in my area for some repairs so that I can make better consumer decisions when using my insurance to cover a claim (such as a roof).
They are great overall. They are caring and as a customer, you can really see it and that is what sets the company apart.
State Farm
The claims department is terrible and lies to you repeatedly. They never answer the phones or return calls.
I like their pricing, coverage, response, interface, multiple ways of contacting them, and their leniency in case of emergencies.
In my limited experience I would recommend Progressive. Although I have not had experience with a claim - and this is an important part of a company when you need it - the other interactions and overall price makes them a good choice in my mind.
State Farm
I would certainly recommend them for home insurance. StateFarm makes the process easy and cuts out the middle man. It is a company focused on saving you money and improving your coverage. I learned a lot by using them and would highly recommend them to anyone.
State Farm
The staff is friendly and helpful. The website is top notch with full access to all my documents, notifications when payments are due, and easy online payments. My agent is easy to reach by text, email, or telephone. Of course, the real test will be if I ever need to file a claim, but all indications are that it is a professional, well-run company.
I like that my company is there for me and has helped me in the situations I have needed. I have never had anything specifically for my house, but I still feel they would treat me right and help me get what I need.
I do not like the annual premium price and the fact that they raise it every year, regardless of ever filing a claim. Additionally, I do not like their customer service.
When I need help the agents in my location are very helpful. I have no problems with Allstate and hope i will be able to continue with them instead of paying the outrageous amounts other insurance are asking.
I would recommend this company for home owners insurance. They keep up with the local price changes, and pay out when friends I know have had a claim.

How To Make Your Rockford, IL Home Insurance Cheaper

How Much Does Rockford, IL Home Insurance Cost?