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

Quick Facts

• Based on national averages for auto insurance, Country Financial offers less expensive prices than Rockford Mutual
• Country Financial offers more affordable average rates for policyholders who have a short commute
• Country Financial may help you save more money -- they offer more discounts than Rockford Mutual Insurance Company

Country Financial or Rockford Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You might have narrowed it down to Country Financial or Rockford Mutual for your next policy, but between the two, which carrier will offer you cheaper premiums?

Looking at nationwide averages, Rockford Mutual is around $31 more a month than Country Financial.

But Country Financial may not be the cheapest or best option for each driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things). So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

Wanting to know if Country Financial or Rockford Mutual is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Country Financial vs. Rockford Mutual: Average Car Insurance Rates by State

Country Financial and Rockford Mutual only compete against each other in one states, with Country Financial offering less expensive rates to the average driver in all of them. Illinois has the most noticable difference, where Country Financial prices are $83 more affordable than car insurance premiums at Rockford Mutual.

There's a lot more that goes into your auto insurance payment than just your home state. Continue reading to see how other variables will affect your rates.

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 out there on the road. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Country Financial save over 40% per month compared to those who use Rockford Mutual.

That being said, with both companies, you'll see your prices reduce significantly by the time drivers turn 25. Rockford Mutual offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Country Financial's average rates lower more than 45% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Country Financial and Rockford Mutual? Country Financial gets the edge, with premiums for drivers 65 and older over 10% cheaper than the national average for Rockford Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more affordable for married policyholders than they are for single drivers. That's normally because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For single policyholders, the difference in average rates between these two carriers is significant, with Country Financial premiums coming in at a quarter less than Rockford Mutual's. The advantage is also clear for married couples - Country Financial offers the lowest average prices.

Country Financial or Rockford Mutual: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll generally end up paying more for auto insurance than women.

On average, women see premiums about 2% a month less with Country Financial, and almost 10% less with Rockford Mutual when compared to their male counterparts.

Looking at overall affordability, Country Financial offers the most affordable average rates for both men and women. On average, women save about $24 per month and men save around $37 with Country Financial compared to the average Rockford Mutual policyholder.

Country Financial vs. 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 insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum limits for liability insurance, Country Financial has the slight edge, with average monthly prices coming in at $82. If you want a full coverage policy with the same state minimum limits, Country Financial again has the edge, with policies averaging about $194 a month to Rockford Mutual's $251.

Is Country Financial or Rockford Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and at-fault collisions lead to higher premiums, but which carrier -- Country Financial or Rockford Mutual -- has the cheapest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Country Financial for their car insurance can typically expect their monthly bill to go up around 23% after getting a speeding ticket. Rockford Mutual policyholders can expect a bit more drastic of an increase of about 29%.

However, Country Financial tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering premiums that are 13% and 20% cheaper, respectively, compared to Rockford Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Country Financial can expect to see around an $42 -- or about 29% -- rise in their auto insurance rates. Drivers who use Rockford Mutual for their car insurance will see a monthly bill around $38 (or 24%) more expensive after reporting a collision to their auto insurance company.

At the end of the day, drivers who use Country Financial end up with the cheaper prices after an accident, with average prices coming in at $147 compared to Rockford Mutual Insurance Company's $158.

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 speeding ticket or even an accident. For example, Rockford Mutual increases average premiums by more than $100 per month -- that's nearly a 50% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Country Financial tends to be less expensive for the average driver, with monthly premiums coming in at about $165 to Rockford Mutual's $229.

How does Credit Score Impact Country Financial and Rockford Mutual Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for lots of drivers.

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which carrier offers the lowest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Country Financial will generally reward you the most. For drivers with "excellent" credit scores, Country Financial comes in just under 14.07 more affordable. Drivers with "good" credit scores normally save around 14% with Country Financial compared to average premiums from Rockford Mutual.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower rates than Rockford Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 26% a month less with Country Financial compared to Rockford Mutual, and those with "poor" scores typically save an average of around 18% monthly.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. Generally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing a collision and filing 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 small difference in monthly prices for Country Financial, with policyholders who drive the least paying about $2 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Country Financial is the less expensive company.

Country Financial or Rockford Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a pretty big impact as well. Usually, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the roads where they live.

Country Financial vs. Rockford Mutual Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Country Financial and Rockford Mutual so that you can find the company that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Country Financial comes out ahead with 10 discounts to Rockford Mutual's eight.

Both companies offer quite a few of the same discounts -- like anti-theft discounts, discounts for being a good student, and multi-policy discounts -- but Country Financial also offers discounts for driver training, group discount, occupation discount, and more.

On the other hand, Rockford Mutual has a few proprietary discounts of their own for things like good driving discounts, homeowner discounts, multi-car discounts, and more.

Final Thoughts: Is Country Financial or Rockford Mutual Best for You?

So, you've seen how different factors can affect your insurance rates. We've broken down 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 right one for you and your specific driver profile?

Country Financial might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You're looking for the best prices on liability only coverage.
• You and your spouse are buying auto insurance together.

Rockford Mutual might be best for you if...

• You have a more unique driver profile than those we mentioned above.

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

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

Country Financial vs. Rockford Mutual FAQs

Is Country Financial or Rockford Mutual cheaper?

Country Financial is the more affordable of the two carriers when looking at national average rates, with policies averaging $138 per month with Country Financial and $169 for Rockford Mutual. That being said, that doesn't mean Country Financial will be the most affordable carrier for every policyholder, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Country Financial or Rockford Mutual?

Sadly, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all boils down to your unique insurance profile.

Why do Country Financial and Rockford Mutual offer me different rates?

Car insurance companies use quite a few different factors when determining the prices they charge. Things such as gender, where your home is, age, your driving record, and sometimes even things like your credit score can all come into play. Both Country Financial and Rockford Mutual calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Country Financial 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 several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't Country Financial or Rockford Mutual at all, but another you hadn't even thought of!

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.