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

Want to know if Nationwide or Rockford Mutual is the better choice for insurance? You're probably wondering which company offers the best rates or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • In general, Rockford Mutual offers slightly more affordable premiums than Nationwide
  • Nationwide offers more affordable prices for residents of urban areas
  • Rockford Mutual offers more affordable rates for policyholders who have a clean record


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

Are you considering 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 Nationwide or Rockford Mutual for your next policy, but which one has less expensive premiums for car insurance?

Nationwide Rockford Mutual
$170$169

As you can see, Rockford Mutual is about $1 per month cheaper than Nationwide when looking at the national average rates for auto insurance.

Even so, that doesn't necessarily mean Rockford Mutual will be the more affordable option for every single driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your age, where you call home, or even your driving record (among other things), so prices will differ quite a bit from person to person.

So, if you want to find out which of Nationwide or Rockford Mutual is really the best for you, keep reading to see average rates for each carrier broken down by multiple different rate factors.

Nationwide or Rockford Mutual: Average Car Insurance Rates by State

State Nationwide Rockford Mutual
IL$198$189
WI$131$149

Nationwide 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. If you live in Wisconsin, Nationwide is the cheaper of the two carriers when looking at the overall average premiums. Rockford Mutual is the less expensive option in Illinois.

That being said, there's a lot more that goes into your auto insurance bill than just the state you live in. Keep reading to learn more.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers?

Nationwide Rockford Mutual
18-year-old drivers$380$421
25-year-old drivers$148$137

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. That's usually because young, inexperienced 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 car insurance prices. As you can see above, teens who use Nationwide save more than $40 a month compared to those who use Rockford Mutual. It's worth noting that Nationwide offers auto insurance in 34 different states compared to Rockford Mutual's two, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both companies will reduce premiums by the time drivers turn 25. For example, average rates for Nationwide policyholders lower nearly $250 and Rockford Mutual's prices decrease around $300 over that time.

Which is the Best Company for Retired Drivers?

Nationwide Rockford Mutual
65+-year-old drivers$125$118

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you'll ever find.

So, which company offers the best prices to retired drivers? Rockford Mutual gets the slight edge, with rates for drivers 65 and older about 6% more affordable than the national average for Nationwide.

Which is the Best Company for Married Drivers?

Nationwide Rockford Mutual
Single$201$205
Married$129$122

Did you know that car insurance premiums are normally less expensive for married policyholders than they are for single drivers? That's because policies for married drivers typically cover multiple cars, which many carriers will offer you a discount for.

When it comes to relationship status, Nationwide is the winner for those who are single, with prices around $4 per month cheaper than Rockford Mutual, on average.

Nationwide vs. Rockford Mutual: Average Rates by Gender

Nationwide Rockford Mutual
Male$176$177
Female$164$161

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

Women usually pay about 7% a month less than men with Nationwide, while with Rockford Mutual, the difference is closer to 9% per month.

When it comes to the lowest premiums for each gender, Nationwide is the cheapest carrier for men. Rates with Nationwide are $1 less for men, while women can save around $3 with Rockford Mutual.


Find your best rate in just a few minutes


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

Nationwide Rockford Mutual
State Minimum*$112$88
Full Coverage**$229$251

*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 insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

However, 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 their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

In this case, Rockford Mutual offers the most affordable average rates for state minimum liability limits, while Nationwide has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $25 with Rockford Mutual Insurance Company, while full coverage comes out to be about $20 more affordable with Nationwide.

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

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with accidents and tickets on your record, but which of these two companies offers the cheapest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Nationwide Rockford Mutual
Clean Record$125$120
1 Speeding Ticket$149$170

Nationwide policyholders can expect their rates to go up an average of $24 a month if they get a ticket, while Rockford Mutual typically raises premiums around $50 per month, on average.

If you have a clean record, Rockford Mutual tends to offer the best prices at about 4% cheaper, while Nationwide has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Nationwide Rockford Mutual
Clean Record$125$120
1 At-Fault Accident$178$158

After an accident, drivers who have their auto insurance through Nationwide can expect to see around an $53 -- or about 30% -- increase in their car insurance rates. Drivers who use Rockford Mutual for their insurance will see a monthly bill around $38 (or 24%) more expensive after reporting an accident to their auto insurance company.

Overall, Rockford Mutual offers the lowest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $158 compared to Nationwide's $178.

Which Company is Best for Drivers with a DUI?

Nationwide Rockford Mutual
Clean Record$125$120
1 DUI$230$229

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than a collision or ticket. Rockford Mutual drivers usually see a 48% climb in their car insurance premiums after a DUI charge, while Nationwide will typically increase prices by about 46%.

Rockford Mutual has the overall most affordable rates for drivers with a DUI on their records at $229 per month, but it's worth noting that Nationwide's average rates come from 34 states compared to just two for Rockford Mutual, so the data may be skewed slightly.


Find your best rate in just a few minutes


How does Credit Score Impact Nationwide and Rockford Mutual Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few policyholders.

Auto 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, drivers with good credit will often be rewarded with less expensive premiums.

Looking specifically at Nationwide and Rockford Mutual, which company has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Nationwide Rockford Mutual
Excellent Credit Score$133$135
Good Credit Score$153$141

If you have a solid credit score, you'll usually find a better deal with Nationwide for an "excellent" credit score. Drivers with "excellent" credit can save 1% compared to Rockford Mutual, while those with "good" scores can expect to see better savings from Rockford Mutual -- around $12 or 8% more affordable than Nationwide every month.

Which Company is Best for Drivers with Bad Credit?

Nationwide Rockford Mutual
Fair Credit Score$179$172
Poor Credit Score$215$229

If you have a below average credit score, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay about $7 less with Rockford Mutual than Nationwide, but those whose credit is considered "poor" have it flipped -- saving around $14 a month with Nationwide.


Find your best rate in just a few minutes


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

Nationwide Rockford Mutual
6,000 Annual Miles$170$169
12,000 Annual Miles$171$169

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly insurance payment? Usually, those who drive less will end up with less expensive prices 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 small difference in monthly premiums for Nationwide, with policyholders who drive the least paying about $1 less each month compared to those who drive 12,000 miles annually. Still, Rockford Mutual is the cheaper option for drivers in both categories.

Nationwide vs. 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 auto insurance, but the type of area you live in can have a big impact as well. Generally, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer cars on the roads in those areas.

Nationwide Rockford Mutual
Urban Areas$199$233
Suburban Areas$159$131
Rural Areas$151$144

Looking at these carriers side-by-side, Rockford Mutual normally comes out as the more affordable option for drivers in rural and suburban areas, while Nationwide wins in urban areas.

If you live in a rural area, you can expect to save around 5% with Rockford Mutual compared to Nationwide. Drivers in suburban ZIP codes pay about 18% less with Rockford Mutual compared to Nationwide. In urban areas, Nationwide's average premiums are around 15% less than Rockford Mutual Insurance Company.

Nationwide vs. Rockford Mutual Discounts

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

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

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

Nationwide Rockford Mutual
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
EFT Discount 
Employee Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Homeowner Discount
Intra-Agency Transfer Discount 
Life Policy Discount 
Multi-Car Discount 
Multi-Policy Discount
New Vehicle Discount 
Paperless Discount 
Passive Restraint Discount 
Preferred Customer Discount 

Nationwide blows Rockford Mutual away when it comes to the sheer amount of discounts available, offering 14 more discounts than Rockford Mutual.

There are a couple discounts both companies offer, but Nationwide also offers advance quote discounts, agency transfer discounts, distant student discounts, and more that Rockford Mutual does not.

On the flip side, Rockford Mutual has a couple unique discounts of its own -- discounts for insuring multiple cars with the same company and renewal discounts.


Find your best rate in just a few minutes


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

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

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

  • You have a DUI charge on your record.
  • You have an at-fault collision on your record.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.


Nationwide might be best for you if...

  • You value the experience that comes with a large national auto insurance company.
  • You're looking for more protection with "full coverage" insurance.
  • You live in an urban area.

We hope this guide has ben a valuable resource as you compare Nationwide 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 best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Nationwide 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 free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.


Find your best rate in just a few minutes


Nationwide vs. Rockford Mutual FAQs

Is Nationwide 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 $170 for Nationwide. That being said, Rockford Mutual won't necessarily be the cheapest carrier for everyone, since there are several different variables that are considered when it comes to your auto insurance cost.

Who is better, Nationwide or Rockford Mutual?

Unfortunately, the real answer is "it depends.". One company is not "better" for every driver -- it all depends on the makeup of your unique insurance profile. For example, Rockford Mutual offers more affordable premiums for drivers with an at-fault accident on their record, while Nationwide is cheaper for drivers who have less-than-stellar credit scores.

Why do Nationwide and Rockford Mutual offer me different rates?

Car insurance carriers take a look at lots of different factors when calculating the prices they charge policyholders. Variables such as where you park your vehicle, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Nationwide and Rockford Mutual use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Nationwide 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 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 best rate. And who knows, the best carrier for you might not be Nationwide 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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes