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

Quick Facts

• Looking at the national averages for insurance, Rockford Mutual offers significantly less expensive prices than Safe Auto
• Rockford Mutual has more affordable rates for policyholders who have a short commute
• Safe Auto may help you save more money -- they offer more discounts than Rockford Mutual Insurance Company

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Rockford Mutual or Safe Auto for your next policy, but between the two, which company will save you the most?

As you can see, Rockford Mutual is around $54 a month cheaper than Safe Auto when looking at the national average rates for car insurance.

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

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

Rockford Mutual vs. Safe Auto: Average Car Insurance Rates by State

Rockford Mutual and Safe Auto only compete against each other in one states, with Safe Auto offering more affordable rates to the average driver in all of them. Illinois has the most noticable difference, where Safe Auto prices are $9 less expensive than car insurance premiums at Rockford Mutual.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your rates. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. Usually, that's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But 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 over 5% less per month by choosing Rockford Mutual over Safe Auto.

That being said, both carriers will reduce rates by the time you turn 25. Safe Auto 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 most affordable premiums at $137 monthly.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Rockford Mutual and Safe Auto? Rockford Mutual gets the edge here, with average rates coming in at about $118 per month compared to Safe Auto's $179.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for those who are single than they are for married policyholders. That's generally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average premiums between these two companies is significant, with Rockford Mutual prices coming in at a quarter less than Safe Auto's. For married couples, the advantage is clear again - Rockford Mutual has the edge when it comes to average rates.

Rockford Mutual or Safe Auto: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to car insurance men will usually end up paying a little more.

Men normally pay almost 10% more a month than women with Rockford Mutual, and around 7% more with Safe Auto.

When it comes to the most affordable premiums for each gender, Rockford Mutual offers the cheapest average rates for both men and women, with average prices 23% less for men and 25% cheaper for women.

Rockford Mutual vs. Safe Auto: 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 includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability insurance, Rockford Mutual has the significant edge, with average monthly premiums coming in at $88. If you want a full coverage policy with the same state minimum limits, Rockford Mutual again has the edge, with policies averaging about $251 per month to Safe Auto's $320.

Is Rockford Mutual or Safe Auto 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 carriers offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Rockford Mutual for their car insurance can typically expect their monthly bill to go up around 29% after getting a speeding ticket. Safe Auto policyholders can expect a less drastic increase of about 18%.

That being said, Rockford Mutual is usually the cheaper option for both drivers who have clean records and those with a recent ticket. With Rockford Mutual Insurance Company, drivers with a clean record can save around $60 a month and drivers with a speeding ticket can save about $50 per month.

Which Company is Best for Drivers After an Accident?

Rockford Mutual drivers who get in a collision can expect to see their premiums climb by just under 25%, while those who have insurance through Safe Auto will see around a 25% increase.

At the end of the day, Rockford Mutual offers the cheapest rates for drivers with an at-fault collision on their records, with average premiums coming in at $158 compared to Safe Auto's $246.

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 an accident. For example, Rockford Mutual increases average prices by more than $100 a month -- that's nearly a 50% increase.

How does Credit Score Impact Rockford Mutual and Safe Auto Rates?

Did you know many insurance companies take into account your credit score when determining rates? This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for many policyholders.

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

Looking at Rockford Mutual and Safe Auto specifically, which one has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Rockford Mutual or Safe Auto 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 rates. Generally, those who drive less will end up with more affordable prices since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Rockford Mutual or Safe Auto report increasing premiums for drivers with higher annual mileage figures. Rockford Mutual comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car each year, with average prices of $169 per month for both.

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

Where you park your vehicle can have a pretty big impact on your monthly auto insurance payment. Typically, 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.

Rockford Mutual boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Rockford Mutual Insurance Company's average rates are about $38 less than Safe Auto. People who live in suburban areas pay around $69 less with Rockford Mutual compared to Safe Auto. Those in rural areas can expect to save about $53 with Rockford Mutual compared to Safe Auto.

Rockford Mutual vs. Safe Auto Discounts

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

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

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

Safe Auto knocks Rockford Mutual out of the park when it comes to the sheer number of discounts available, offering 14 different discounts to Rockford Mutual's 14.

Both companies offer quite a few of the same discounts -- like anti-theft discounts, discounts for being a homeowner, and renewal discounts -- but Safe Auto also offers discounts for agency transfer, claim free, driver training, and more.

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

Final Thoughts: Is Rockford Mutual or Safe Auto Best for You?

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance company is the right fit for you?

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

• You've been pulled over for speeding recently.
• Your home is located in the suburbs.
• You're of retirement age and want to take advantage of lower prices.

Safe Auto might be best for you if...

• You're thinking about moving to another state -- undefined is only available in.
• You care about discounts (Safe Auto offers the most).

Hopefully, this guide has ben a valuable resource as you compare Rockford Mutual and Safe Auto and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Rockford Mutual and Safe Auto. 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 insurance carriers in your area, all in just a few minutes.

Rockford Mutual vs. Safe Auto FAQs

Is Rockford Mutual or Safe Auto cheaper?

Rockford Mutual is the cheaper of the two companies when looking at national average premiums, with policies averaging $169 a month with Rockford Mutual and $223 for Safe Auto. Even so, that doesn't mean Rockford Mutual will be the lowest carrier for every driver, since there are a variety of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Rockford Mutual or Safe Auto?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for each policyholder -- it all boils down to your unique auto insurance profile.

Why do Rockford Mutual and Safe Auto offer me different rates?

Insurance carriers use lots of different factors when calculating the rates they charge. Things like your driving record, age, gender, where your home is, and sometimes even things like your credit score can all be used. Both Rockford Mutual and Safe Auto calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Rockford Mutual or Safe Auto 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.