Acuity vs. Rockford Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Rockford Mutual offers significantly less expensive premiums than Acuity
• Acuity offers more discounts than Rockford Mutual Insurance Company
• Rockford Mutual has cheaper rates for policyholders who may not have much of a commute

Acuity vs. Rockford Mutual: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Acuity or Rockford Mutual as potential options, but which one will offer you more affordable premiums?

Looking at nationwide averages, Rockford Mutual has average rates that are about 45% per month less expensive than those from Acuity.

Even so, that doesn't mean Rockford Mutual will necessarily be more affordable than Acuity for each driver. Auto insurance companies use a ton of complex algorithms to calculate prices, so depending on where you live or how good your credit score is (among a range of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Acuity and Rockford Mutual by multiple different rate factors, so read on to find out which company is the best for you.

Acuity or Rockford Mutual: Average Car Insurance Rates by State

Acuity and Rockford Mutual only compete against each other in one states, with Rockford Mutual offering cheaper prices to the average driver in all of them. Wisconsin has the most noticable difference, where Rockford Mutual rates are over 60% more affordable than insurance premiums at Acuity.

But there's more to car insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your rates. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any group on the road. Usually, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of more than $500 less a month by choosing Rockford Mutual over Acuity.

But both companies will reduce premiums by the time drivers turn 25. For example, average rates for Acuity policyholders lower over 75% and Rockford Mutual's prices drop more than 65% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest auto insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

When looking at Acuity and Rockford Mutual specifically, which carrier is best for retired drivers? Rockford Mutual gets the edge here, with average prices coming in at around $118 a month compared to Acuity's $183.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for those who are single than they are for married couples. That's normally because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Rockford Mutual is the clear winner for single policyholders, with prices about $198 per month less expensive than Acuity, on average. The advantage is also clear for married policyholders - Rockford Mutual offers the most affordable average rates.

Acuity vs. Rockford Mutual: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll usually end up paying more for insurance than women.

Generally, men see premiums around 6% a month higher with Acuity, and about 9% more with Rockford Mutual.

Looking at the data for each company specifically, Rockford Mutual comes out on top for both men and women. On average, male drivers save about $146 per month and women save around $143 with Rockford Mutual compared to the average Acuity policyholder.

Acuity or Rockford Mutual: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, auto insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum liability insurance, Rockford Mutual generally offers significantly cheaper prices of $88 compared to Acuity's $172. When it comes to full coverage policies with similar limits, Rockford Mutual again has the edge, with policies about $200 a month more affordable than Acuity, on average.

Is Acuity or Rockford Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that at-fault accidents and tickets lead to higher premiums, but which carrier -- Acuity or Rockford Mutual -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Acuity policyholders can expect their rates to go up an average of $94 per month if they get a ticket, while Rockford Mutual normally raises prices around $50 a month, on average.

That being said, Rockford Mutual tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 48% less expensive for drivers with clean records and 47% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Acuity can expect to see about an $115 -- or around 33% -- increase in their auto insurance premiums. Drivers who use Rockford Mutual for their insurance will see a monthly bill about $38 (or 24%) more expensive after reporting a collision to their auto insurance company.

Overall, drivers who use Rockford Mutual end up with the cheaper prices after an accident, with monthly rates averaging $158 compared to Acuity Insurance's $344.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. Acuity drivers usually see a 36% raise in their auto insurance prices after a DUI charge, while Rockford Mutual will typically climb rates by around 48%.

If you have a DUI on your record and are looking for more affordable premiums, Rockford Mutual tends to be the much more affordable option with average prices of $229 monthly compared to $357 from Acuity.

How does Credit Score Impact Acuity and Rockford Mutual Rates?

Did you know that many insurance companies take into account your credit score when calculating premiums? This isn't always the case (for example, California and Michigan are two states that ban the practice entirely), but it might come into play for a lot of drivers.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper rates.

Looking at Acuity and Rockford Mutual specifically, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Rockford Mutual. Policyholders with "excellent" credit can save just under 50% compared to Acuity, and those with "good" scores can also expect to see savings -- about $146 or 51% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Rockford Mutual typically offers lower prices than Acuity when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $144 per month less with Rockford Mutual compared to Acuity, and those with "poor" scores usually save an average of about $160 per month.

Is Acuity or Rockford Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on your monthly rates. Normally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Rockford Mutual charges. However, there's a pretty significant difference in monthly prices for Acuity, with policyholders who drive the least paying around $33 less every month compared to those who drive 12,000 miles each year. Still, Rockford Mutual is the cheaper option for drivers in both categories.

Acuity vs. Rockford Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a considerable role in how much you pay for auto insurance. Generally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Rockford Mutual tends to offer the most affordable premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to pay about $144 a month with Rockford Mutual and $253 with Acuity. People in suburban areas pay a monthly price of around $131 with Rockford Mutual compared to $313 with Acuity. For drivers in urban ZIP codes, Rockford Mutual's average rates are about $233 a month compared to Acuity's $374.

Acuity vs. Rockford Mutual Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

In the section below, we've compared all of the different discounts offered by Acuity and Rockford Mutual so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Acuity has a slight advantage when it comes to total number of discounts. Rockford Mutual offers a grand total of eight discounts, while Acuity has nine.

Both companies offer lots of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but Acuity also offers college graduate discounts, continuous insurance discounts, COVID-19 relief discount, and more that Rockford Mutual does not.

On the flip side, Rockford Mutual has a couple unique discounts of its own -- anti-theft discounts, discounts for being a homeowner, multi-policy discounts, and more.

Final Thoughts: Is Acuity or Rockford Mutual Best for You?

So, we've broken down the average prices for many of the factors car insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the best company for you and your specific profile and needs?

Rockford Mutual might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You're looking for more protection with "full coverage" auto insurance.
• You are over 65 years old and want to save some money on your car insurance.

Acuity might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Acuity and Rockford Mutual. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Acuity and Rockford Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Acuity vs. Rockford Mutual FAQs

Is Acuity or Rockford Mutual cheaper?

Looking just at the national average premiums, Rockford Mutual is the less expensive of the two companies, offering average rates of $169 per month compared to $313 for Acuity. However, Rockford Mutual won't necessarily be the lowest carrier for everyone, since there are a bunch of different variables that are considered when it comes to your insurance payment.

Who is better, Acuity or Rockford Mutual?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for every driver -- it all boils down to your unique car insurance profile.

Why do Acuity and Rockford Mutual offer me different rates?

Auto insurance carriers take a look at lots of different factors when determining the rates they charge policyholders. Things such as gender, your driving record, where your home is, age, and sometimes even things like your credit score can all be used. Both Acuity and Rockford Mutual calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a range of different companies.

How do I know if Acuity or Rockford Mutual is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the cheapest premium. And who knows, the best carrier for you might not be Acuity or Rockford Mutual at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.