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

Quick Facts

• Looking at the national averages for auto insurance, Rockford Mutual offers less expensive rates than Allstate
• Allstate offers more affordable average prices for residents of urban areas
• Rockford Mutual tends to be a much cheaper option for couples purchasing insurance together

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

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Allstate or Rockford Mutual as your top options, but between the two, which one will save you the most?

Looking at the national average rates for both companies, Allstate has average rates that are about 15% per month more expensive than those from Rockford Mutual.

Even so, Rockford Mutual may not be the lowest or best option for each driver out there. Auto insurance carriers use tons of complex algorithms to calculate premiums, so depending on how clean your driving record is or how old you are (among many other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average rates from both Allstate and Rockford Mutual by a bunch of different rate factors, so read on to find out which carrier is the best for you.

Allstate or Rockford Mutual: Average Car Insurance Rates by State

Allstate and Rockford Mutual only compete against each other in two states, with Rockford Mutual offering less expensive prices to the average driver in all of them. Wisconsin has the most noticable difference, where Rockford Mutual rates are over 20% cheaper than car insurance premiums at Allstate.

That being said, there are plenty of other factors that go into your insurance bill than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. That's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Rockford Mutual save more than $25 a month compared to those who use Allstate. It's worth noting that Allstate offers car insurance in 47 different states compared to Rockford Mutual's two, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both companies will lower rates by the time you turn 25. For example, average prices for Allstate policyholders decrease nearly 65% and Rockford Mutual's rates reduce over 65% over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best premiums to retired drivers? Rockford Mutual gets the edge, with prices for drivers 65 and older more than 20% more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single policyholders than they are for married couples. That's because policies for married policyholders typically cover more than one car, which lots of carriers will offer you a discount for.

When it comes to relationship status, Rockford Mutual is the clear winner for single drivers, with prices around $26 per month cheaper than Allstate, on average. For married drivers, the advantage is clear again - Rockford Mutual has the edge when it comes to average premiums.

Allstate vs. Rockford Mutual: Average Rates by Gender

Did you know men generally pay more for insurance than women? This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim.

With Allstate, men usually pay almost $10 a month more than women, and over $15 with Rockford Mutual.

Looking at overall affordability, Rockford Mutual comes out as the cheapest option for both genders, with average prices $26 less for men and $33 cheaper for women.

Allstate 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.

It's no secret that auto insurance can be pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum liability insurance, Rockford Mutual typically offers more affordable rates of $88 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Rockford Mutual again has the edge, with policies about $40 per month less expensive than Allstate, on average.

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

You've probably seen plenty of commercials from insurance companies offering great premiums 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 accidents and tickets lead to higher prices, but which carrier -- Allstate or Rockford Mutual -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 a month if they get a ticket, while Rockford Mutual normally raises premiums around $50 per month, on average.

However, Rockford Mutual tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering prices that are 23% and 7% cheaper, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with Allstate raising by just under $75. Rockford Mutual has a less extreme raise, but you can still expect to pay nearly $40 more than you were prior to your first collision.

Overall, drivers who use Rockford Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $158 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, Rockford Mutual will climb your rates about 48% after a DUI, while Allstate's average prices climb by over 30%.

Allstate has the overall cheapest premiums for drivers with a DUI on their records at $227 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just two for Rockford Mutual, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Rockford Mutual Rates?

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

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking specifically at Rockford Mutual and Allstate, which carrier has the best prices 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 7% compared to Allstate, and those with "good" scores can also expect to see savings -- around $31 or 18% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Rockford Mutual typically offers lower premiums than Allstate when it comes to drivers with bad credit. Drivers with "fair" credit pay about $31 a month less with Rockford Mutual compared to Allstate, and those with "poor" scores generally save an average of around $46 per month.

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly prices? Normally, the more miles you put on your vehicle, the more you can expect to pay for insurance.

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 small difference in monthly rates for Allstate, with drivers who put 6,000 miles on their car yearly paying about $3 less every month compared to those who drive 12,000 miles annually. Still, Rockford Mutual is the more affordable option for drivers in both categories.

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

Where you park your vehicle can play a considerable role in how much you pay for auto insurance. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Rockford Mutual boasts the most affordable average rates in rural and suburban areas, while Allstate wins in urban areas.

If you live in a rural area, you can expect to save around 17% with Rockford Mutual compared to Allstate. Drivers in suburban ZIP codes pay about 34% less with Rockford Mutual compared to Allstate. In urban areas, Allstate's average premiums are around 5% less than Rockford Mutual Insurance Company.

Allstate vs. Rockford Mutual Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

In the section below, we've broken down all of the different discounts offered by both Allstate and Rockford Mutual so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate blows Rockford Mutual away when it comes to the sheer amount of discounts available, offering 40 different discounts to Rockford Mutual's eight.

A couple of those are overlapping for things like discounts for being a good driver, discounts for being a good student, and multi-policy discounts. Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Rockford Mutual does not.

Rockford Mutual's discounts come through just a few categories, including Anti-Theft, Defensive Driver, Good Driving, and more.

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

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. But, when it comes down to it, is Allstate or Rockford Mutual the best company for you and your specific driver profile?

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

• You have a clean record.
• Your credit score is high.
• Your neighborhood is in a rural area.

Allstate might be best for you if...

• You have a DUI charge on your record.
• You're looking for discounts -- Allstate has the most.
• You live in an urban area.

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

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

Allstate vs. Rockford Mutual FAQs

Is Allstate or Rockford Mutual cheaper?

Looking just at the national average prices, Rockford Mutual is the less expensive of the two companies, offering average rates of $169 per month compared to $199 for Allstate. That being said, Rockford Mutual won't necessarily be the lowest carrier for each policyholder, since there are many different variables that come into play when it comes to your auto insurance cost.

Who is better, Allstate or Rockford Mutual?

Unfortunately, the real answer is "it depends.". Neither company is "better" for every driver -- it all depends on the makeup of your unique car insurance profile. For example, Allstate offers cheaper premiums for drivers with a recent DUI, while Rockford Mutual is more affordable for drivers with excellent credit.

Why do Allstate and Rockford Mutual offer me different rates?

Insurance carriers take a look at many different factors when determining the rates they charge drivers. Things like where you call home, where you live, gender, age, and sometimes even things like your credit score can all be used. Both Allstate and Rockford Mutual use different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Allstate 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.