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

Quick Facts

• Looking at the national averages for insurance, Rurual Mutual offers slightly cheaper rates than Rockford Mutual
• Rockford Mutual offers more affordable average prices for policyholders who live in rural neighborhoods
• Rurual Mutual tends to be a much less expensive option for policyholders who drive a short distance to work everyday

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

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

You might have narrowed it down to Rockford Mutual or Rurual Mutual as potential options, but between the two, which carrier will offer you cheaper premiums?

Looking at nationwide averages, Rockford Mutual is around $2 more a month than Rurual Mutual.

However, Rurual Mutual may not be the most affordable or best option for each driver out there. Auto insurance carriers use a variety of complex algorithms to determine rates, so depending on how good your credit score is or how clean your driving record is (among multiple other factors), you could see wildly different prices from the ones above.

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

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

Rockford Mutual and Rurual Mutual only compete against each other in Wisconsin, where Rockford Mutual offers the cheaper average prices. Rockford Mutual drivers tend to pay about $18 per month less on average compared to drivers who use Rurual Mutual for their car insurance.

There's a lot more that goes into your insurance payment than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any other group of drivers. 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 rates. As you can see above, teens who use Rurual Mutual save 20% a month compared to those who use Rockford Mutual.

That being said, with both companies, you'll see your premiums reduce significantly by the time you turn 25. Rurual Mutual offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Rockford Mutual still has the lowest prices at $137 a month.

Which is the Best Company for Retired Drivers?

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

When looking at Rockford Mutual and Rurual Mutual specifically, which carrier is best for retired drivers? Rockford Mutual gets the edge, with premiums for drivers 65 and older $17 less expensive than the national average for Rurual Mutual.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are usually more expensive for those who are single than they are for married policyholders? That's because policies for married couples typically cover more than one vehicle, which quite a few carriers will give you a discount for.

For single policyholders, the difference in average prices between these two companies is not very significant, with Rurual Mutual rates coming in at about 10% less than Rockford Mutual's. But for married drivers, the advantage is clear - Rockford Mutual has the edge when it comes to average premiums.

Rockford Mutual or Rurual Mutual: Average Rates by Gender

You may not know, but men generally pay more for insurance than women do. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

On average, women see rates almost 10% per month less with Rockford Mutual, and around 6% less with Rurual Mutual when compared to their male counterparts.

Looking at the data for each company specifically, Rockford Mutual is the lowest carrier for women. Rates with Rockford Mutual are $1 cheaper for women, while with Rurual Mutual, men can save about $1.

Rockford Mutual vs. Rurual 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.

Car insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to liability).

When it comes to state minimum liability insurance, Rurual Mutual has the edge, while Rockford Mutual offers the most affordable average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $20 with Rurual Mutual Insurance, while full coverage comes out to be around $15 more affordable with Rockford Mutual Insurance Company.

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

You've probably seen plenty of commercials from auto insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two companies offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Rockford Mutual for their car insurance can normally expect their monthly bill to go up about 29% after getting a speeding ticket. Rurual Mutual policyholders can expect a less drastic increase of around 8%.

Even so, Rurual Mutual tends to offer the best prices for both drivers who have a recent ticket and those with clean records. With Rurual Mutual Insurance, drivers with a clean record can save about $3 a month and drivers with a speeding ticket can save around $43 per month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Rockford Mutual can expect to see about an $38 -- or around 24% -- rise in their car insurance premiums. Drivers who use Rurual Mutual for their auto insurance will see a monthly bill about $19 (or 14%) more expensive after reporting an accident to their insurance company.

At the end of the day, drivers who use Rurual Mutual end up with the cheaper prices after an accident, with average rates coming in at $136 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 ticket or even a collision. For example, Rurual Mutual increases average premiums by more than $150 a month -- that's nearly a 60% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Rockford Mutual tends to be less expensive for the average driver, with monthly premiums coming in at around $229 to Rurual Mutual's $288.

How does Credit Score Impact Rockford Mutual and Rurual Mutual Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it does affect several policyholders out there.

The reasoning car insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will generally be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Rurual Mutual will usually reward you the most. For drivers with "excellent" credit scores, Rurual Mutual comes in just under NaN more affordable. Drivers with "good" credit scores generally save about 1% with Rurual Mutual compared to average prices from Rockford Mutual.

Which Company is Best for Drivers with Bad Credit?

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 around 3% less with Rockford Mutual than Rurual Mutual, but those whose credit is considered "poor" have it flipped -- saving about 1% per month with Rurual Mutual.

Is Rockford Mutual or Rurual 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 how much insurance carriers will charge for coverage. Usually, those who drive less will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Rockford Mutual or Rurual Mutual report increasing rates for drivers with higher annual mileage figures. That being said, Rurual Mutual comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $167 a month for both.

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

Where you live can play a sizable role in how much you pay for auto insurance. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the roads where they live.

Rockford Mutual boasts the lowest average rates in rural and suburban areas, while Rurual Mutual wins in urban areas.

Those in rural areas can expect to save around $14 with Rockford Mutual compared to Rurual Mutual. People who live in suburban areas pay about $1 less with Rockford Mutual compared to Rurual Mutual. For drivers in urban ZIP codes, Rurual Mutual Insurance's average prices are around $22 less than Rockford Mutual Insurance Company.

Rockford Mutual vs. Rurual 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 auto insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to nail down the carrier 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 Rockford Mutual and Rurual Mutual so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both companies offer, but Rockford Mutual also offers discounts for anti-theft, defensive driver, good driving, and more.

On the other hand, Rurual Mutual has a few proprietary discounts of their own for things like claim free discounts, distant student discounts, group discounts, and more.

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

So, you've seen how different variables can affect your car insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, is Rockford Mutual or Rurual Mutual the right one for you, your vehicle, and your wallet?

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

• You will be the only person on the auto insurance policy.
• You're looking for the best prices on liability only coverage.
• You don't spend much time in your car.

Rockford Mutual might be best for you if...

• You care about discounts (Rockford Mutual offers the most).
• You live in an suburban area.
• You and your spouse are buying insurance together.

Hopefully, this guide helps you get a better idea of the difference between Rockford Mutual and Rurual Mutual. We also hope we've given you the information you need to make the best decision when it comes to 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 multiple carriers, not just Rockford Mutual and Rurual Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Rockford Mutual vs. Rurual Mutual FAQs

Is Rockford Mutual or Rurual Mutual cheaper?

Rurual Mutual is the more affordable of the two carriers when looking at national average rates, with policies averaging $167 per month with Rurual Mutual and $169 for Rockford Mutual. That being said, that doesn't mean Rurual Mutual will be the cheapest carrier for every driver, since there are lots of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Rockford Mutual or Rurual Mutual?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, Rockford Mutual is less expensive for drivers who have already retired, while Rurual Mutual offers cheaper premiums for single policyholders.

Why do Rockford Mutual and Rurual Mutual offer me different rates?

Auto insurance companies use lots of different variables when determining the prices they charge. Factors like gender, your driving record, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Rockford Mutual and Rurual 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 multiple different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of companies 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 insurance carriers for free. With those, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't Rockford Mutual or Rurual 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.