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

Quick Facts

• Looking at the national averages for auto insurance, Imt offers significantly less expensive prices than Rockford Mutual
• Imt tends to be a much more affordable option for policyholders who live in urban areas
• Imt has cheaper rates for policyholders who drive fewer than 12,000 miles every year

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

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might be considering Imt or Rockford Mutual as your top options, but between the two, which carrier will save you the most?

Looking at nationwide averages, Imt has average rates that are around 35% a month less expensive than those from Rockford Mutual.

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

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

Imt vs. Rockford Mutual: Average Car Insurance Rates by State

Imt and Rockford Mutual only compete against each other in one states, with Imt offering cheaper prices to the average driver in all of them. Wisconsin has the most noticable difference, where Imt rates are $43 more affordable than insurance premiums at Rockford Mutual.

That being said, there's a lot more that goes into your auto insurance payment than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. Normally, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of over 50% less per month by choosing Imt over Rockford Mutual.

However, with both companies, you'll see your prices drop significantly by the time you turn 25. For example, average rates for Imt policyholders lower about $95 and Rockford Mutual's premiums reduce almost $300 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable auto insurance rates you'll ever see. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise prices.

When looking at Imt and Rockford Mutual specifically, which carrier is best for retired drivers? Imt gets the edge here, with average premiums coming in at around $82 a month compared to Rockford Mutual's $118.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are usually cheaper for married drivers than they are for single drivers? That's generally because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average rates between these two carriers is significant, with Imt prices coming in at a third less than Rockford Mutual's. The advantage for married couples with Imt is also obvious, where drivers save about $35 a month.

Imt or Rockford Mutual: Average Rates by Gender

You may not know, but auto insurance is normally cheaper for women than it is for men. That's because men are more likely to get into collisions and get speeding tickets, which increases the chances of filing a claim with insurance.

Typically, men see premiums more than 10% per month higher with Imt, and around 9% more with Rockford Mutual.

Looking at overall affordability, Imt comes out on top for both men and women, with average rates 35% less for men and 36% cheaper for women.

Imt 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 car insurance can be pretty complicated. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum liability insurance, Imt has the significant edge, with average monthly prices coming in at $58. If you want a full coverage policy with the same state minimum limits, Imt again has the edge, with policies averaging about $160 a month to Rockford Mutual's $251.

Is Imt 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.

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two companies offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Imt for their insurance can typically expect their monthly bill to go up around 15% after getting a speeding ticket. Rockford Mutual policyholders can expect a bit more drastic of an increase of about 29%.

That being said, Imt tends to offer the best prices for drivers both with a ticket and with a clean record, offering premiums that are 37% and 48% less expensive, respectively, compared to Rockford Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Imt drivers who get in an accident can expect to see their rates rise by just under $60, while those who have insurance through Rockford Mutual will see around a $40 increase.

At the end of the day, drivers who use Imt end up with the cheaper prices after an accident, with average prices coming in at $134 compared to Rockford Mutual Insurance Company's $158.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. 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, Imt tends to be more affordable for the average driver, with monthly premiums coming in at about $135 to Rockford Mutual's $229.

How does Credit Score Impact Imt and Rockford Mutual Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it will come into play for a lot of policyholders.

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

Looking at Imt and Rockford Mutual specifically, which one has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Imt will usually reward you the most. For policyholders with "excellent" credit scores, Imt comes in more than 36.3 cheaper. Drivers with "good" credit scores generally save around 28% with Imt compared to average premiums from Rockford Mutual.

Which Company is Best for Drivers with Bad Credit?

Imt typically offers lower prices than Rockford Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 37% a month less with Imt compared to Rockford Mutual, and those with "poor" scores normally save an average of around 39% per month.

Is Imt 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 considerable impact on your monthly premiums? That's because the fewer miles you put on your vehicle each year, the less likely you are to be in a collision and file an insurance claim.

In this case, neither Imt or Rockford Mutual report increasing rates for drivers with higher annual mileage figures. Even so, Imt comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average premiums of $109 per month for both.

Imt 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 big impact as well. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

When comparing these two companies side-by-side, Imt typically comes out as the lowest option 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 $90 monthly with Imt compared to Rockford Mutual's $144. Drivers in suburban ZIP codes pay around $100 with Imt compared to Rockford Mutual's $131 per month. In urban areas, Imt's average prices are about $136 a month compared to Rockford Mutual's $233.

Imt vs. Rockford Mutual Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Imt 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.

Overall, Imt has a slight advantage when it comes to total number of discounts. Rockford Mutual offers a grand total of eight discounts, while Imt has nine.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts. Imt also offers discounts for commercial product, distant student, driver training, and more.

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

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

So, we've broken down the average rates for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, is Imt or Rockford Mutual the right company for you, your vehicle, and your wallet?

Imt might be best for you if....

• Your credit is below-average.
• You're looking for the best premiums on liability only coverage.
• You're of retirement age and want to take advantage of lower prices.

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 better idea of the difference between Imt and Rockford Mutual. We also hope we've given you the information you need to make the best decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of companies, not just Imt and Rockford Mutual. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Imt vs. Rockford Mutual FAQs

Is Imt or Rockford Mutual cheaper?

Imt is the less expensive of the two companies when looking at national average rates, with policies averaging $109 per month with Imt and $169 for Rockford Mutual. But that doesn't mean Imt will be the cheapest company for everyone, since there are several different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Imt or Rockford Mutual?

Sadly, the answer truly is "it depends.". One carrier is not necessarily "better" for every policyholder -- it all comes down to what your unique insurance profile looks like.

Why do Imt and Rockford Mutual offer me different rates?

Auto insurance carriers use many different variables when determining the premiums they charge. Things such as gender, your driving record, age, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Imt and Rockford Mutual calculate rates differently, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best company for you isn't Imt 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.