Personal Auto Insurance in Rockford
Illinois requires minimum liability coverage of 25/50/20 — but most drivers benefit from more comprehensive protection. As an independent agency we compare rates from Progressive, Geico, National General, Hartford, and 25+ more carriers to find the best policy for your driving record, vehicles, and budget.
Auto Coverage Options
- Liability Coverage — required by Illinois law; covers injuries and damage you cause to others
- Collision Coverage — pays to repair your vehicle after an accident regardless of fault
- Comprehensive Coverage — covers theft, weather damage, vandalism, and non-collision losses
- Uninsured/Underinsured Motorist — required in Illinois; protects you if the other driver has no insurance
- Medical Payments Coverage — covers medical bills for you and passengers after an accident
- Roadside Assistance — towing, battery jump, lockout, and flat tire service
- Rental Reimbursement — covers a rental car while yours is being repaired
- SR-22 Filing — available for drivers who need proof of financial responsibility in Illinois
Commercial Auto Insurance
If you use a vehicle for business purposes — deliveries, client visits, hauling equipment — your personal auto policy won't cover it. We offer commercial auto coverage for contractors, small businesses, and fleets of all sizes operating in northern Illinois.
- Commercial liability for work trucks, vans, and company cars
- Hired and non-owned auto coverage for employees using personal vehicles
- Fleet programs for businesses with multiple vehicles
- Combined single limit policies for higher coverage needs
Frequently Asked Questions
What is the minimum auto insurance required in Illinois?
Illinois requires 25/50/20 liability coverage: $25,000 per person bodily injury, $50,000 per accident, and $20,000 property damage. Uninsured motorist coverage is also required at the same limits.
How can I lower my car insurance rate in Rockford?
The fastest way is to shop multiple carriers — rates for identical coverage can vary 40%+ between companies. Bundling home and auto, maintaining a clean driving record, and choosing a higher deductible also help. We do the shopping for you.
Do you offer SR-22 insurance in Rockford?
Yes — we work with carriers that file SR-22 certificates in Illinois. Call or text us at (815) 691-1111 and we'll get you covered quickly.