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

Quick Facts

• In general, Integrity offers significantly cheaper rates than Rockford Mutual
• Integrity may help you save more money -- they offer more discounts than Rockford Mutual Insurance Company
• Integrity has less expensive prices for drivers who have a speeding ticket on their driving record

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

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

You've maybe even narrowed your search down to Integrity or Rockford Mutual as your top options, but which company will offer you more affordable premiums?

As you can see, Rockford Mutual has average rates that are around 50% a month more expensive than those from Integrity when looking at the national average rates for car insurance.

Even so, that doesn't mean Integrity will necessarily be cheaper than Rockford Mutual for every driver. Insurance carriers vary their prices depending on things like how good your credit score is, how old you are, where you live, how clean your driving record is, and a ton of other factors. So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

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

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

Integrity and Rockford Mutual only compete against each other in one states, with Integrity offering more affordable rates to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity premiums are $89 less expensive than car insurance rates at Rockford Mutual.

There's a lot more that goes into your insurance cost than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers. That's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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 almost 55% less per month by choosing Integrity over Rockford Mutual.

But both companies will reduce rates once you turn 25. For example, average prices for Integrity policyholders drop about $150 and Rockford Mutual's premiums decrease nearly $300 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you can find.

When looking at Integrity and Rockford Mutual specifically, which carrier is best for retired drivers? Integrity gets the edge here, with average rates coming in at around $61 a month compared to Rockford Mutual's $118.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more expensive for those who are single than they are for married policyholders? That's because policies for married drivers usually cover several vehicles, which several carriers will give you a discount for.

For single policyholders, the difference in average rates between these two companies is significant, with Integrity premiums coming in at about half of Rockford Mutual's. The advantage is also clear for married couples - Integrity offers the most affordable average prices.

Integrity or Rockford Mutual: Average Rates by Gender

Did you know women tend to pay less for car insurance than men? That's because women are less likely to get speeding tickets and get into accidents, which lowers the chances of filing a claim with insurance.

On average, women see premiums around $10 a month more affordable with Integrity, and about $16 less with Rockford Mutual.

Looking at overall affordability, Integrity offers the cheapest average rates for both men and women. On average, women save about $84 per month and men save around $92 with Integrity compared to the average Rockford Mutual policyholder.

Integrity 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 several different coverages that account for many different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, Integrity has the significant edge, with average monthly prices coming in at $38. If you want a full coverage policy with the same state minimum limits, Integrity again has the edge, with policies averaging about $124 a month to Rockford Mutual's $251.

Is Integrity 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 collisions lead to higher rates, but which company -- Integrity or Rockford Mutual -- has the most affordable prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integrity for their car insurance can normally expect their monthly bill to go up around 26% after getting a speeding ticket. Rockford Mutual policyholders can expect a bit more drastic of an increase of about 29%.

That being said, Integrity is generally the cheaper option for drivers both with clean records and with a ticket, offering premiums that are 48% and 50% less expensive, respectively, compared to Rockford Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Both carriers will raise rates pretty significantly if you get into an at-fault collision with Rockford Mutual climbing by around 24%. Integrity has a less extreme increase, but you can still expect to pay 25% more than you were prior to your first accident.

At the end of the day, Integrity offers the lowest premiums for drivers with an at-fault collision on their records, with average prices coming in at $84 compared to Rockford Mutual Insurance Company's $158.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than a collision or speeding ticket. Rockford Mutual drivers usually see a 48% raise in their insurance rates after a DUI charge, while Integrity will normally increase prices by about 32%.

But if you end up with a DUI charge and are looking for more affordable premiums, Integrity tends to be more affordable for the average driver, with monthly premiums coming in at around $92 to Rockford Mutual's $229.

How does Credit Score Impact Integrity and Rockford Mutual Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly auto insurance rates. This isn't true for everyone (for example, California and Massachusetts are two states that ban the practice entirely), but it might come into play for many drivers.

Car insurance companies 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 less expensive premiums.

So, which carrier offers the best prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Integrity will usually reward you the most. For policyholders with "excellent" credit scores, Integrity comes in more than 51.85 cheaper. Drivers with "good" credit scores typically save about 48% with Integrity compared to average premiums from Rockford Mutual.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower rates than Rockford Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay around 52% per month less with Integrity compared to Rockford Mutual, and those with "poor" scores usually save an average of about 55% per month.

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

How much you drive can have a big impact on your monthly insurance bill. Generally, the more milage you put on your vehicle, the more you can expect to pay for coverage.

In this case, neither Integrity or Rockford Mutual report increasing prices for drivers with higher annual mileage figures. That being said, Integrity comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car each year, with average premiums of $81 a month for both.

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

Where you call home can have a considerable impact on your monthly auto insurance payment. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of vehicles that are on the roads where they live.

When comparing these two carriers side-by-side, Integrity generally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Integrity's average rates are around $82 per month compared to Rockford Mutual's $233. Drivers in suburban ZIP codes pay a monthly price of about $78 with Integrity compared to $131 with Rockford Mutual. Those in rural areas can expect to pay around $83 monthly with Integrity compared to Rockford Mutual's $144.

Integrity vs. Rockford Mutual Discounts

No matter why you might be in the market for a new 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 where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Integrity and Rockford Mutual so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Integrity has the advantage when it comes to total number of discounts. Rockford Mutual offers a grand total of eight discounts, while Integrity has 13.

There are a couple discounts both companies offer, but Integrity also offers discounts for advance quote, company car, continuous insurance, and more.

On the other hand, Rockford Mutual has a few proprietary discounts of their own like good driving discounts and renewal discounts.

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

So, we've broken down the average prices for many of the factors insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which company is the right carrier for you, your vehicle, and your wallet?

Integrity might be best for you if....

• You have an at-fault accident on your record.
• You want the most robust protection via a "full coverage" policy.
• You drive often but have a short commute.

Rockford Mutual might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Integrity and Rockford Mutual and that you can now make a more informed decision when it comes to your car 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 auto insurance -- comparing quotes from multiple companies, not just Integrity and Rockford Mutual. Luckily, sites like Compare.com do all the hard work for you. Just 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.

Integrity vs. Rockford Mutual FAQs

Is Integrity or Rockford Mutual cheaper?

Integrity is the less expensive of the two companies when looking at national average rates, with policies averaging $81 a month with Integrity and $169 for Rockford Mutual. However, that doesn't mean Integrity will be the cheapest carrier for every policyholder, since there are a variety of different variables that come into play when it comes to your auto insurance bill.

Who is better, Integrity or Rockford Mutual?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Integrity and Rockford Mutual offer me different rates?

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

How do I know if Integrity 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 a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Integrity 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.