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

Quick Facts

• In general, Secura offers cheaper prices than Rockford Mutual
• Rockford Mutual offers more affordable rates for residents of suburban areas
• Secura has more affordable premiums for single people who will be the only person on the auto insurance policy

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

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

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

As you can see, Rockford Mutual is around $23 more a month than Secura when looking at the national average rates for insurance.

Even so, that doesn't mean Secura will necessarily be less expensive than Rockford Mutual for every driver. Car insurance carriers vary their rates depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and all sorts of other factors, so prices will vary quite a bit from person to person.

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

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

Rockford Mutual and Secura only compete against each other in two states, with Secura offering cheaper premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Secura prices are $51 more affordable than auto insurance rates at Rockford Mutual.

That being said, there are plenty of other factors that go into your insurance bill than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Secura for their auto insurance pay over 25% less than those who use Rockford Mutual.

That being said, both companies will offer you dramatically lower rates once you turn 25. For example, average prices for Rockford Mutual policyholders lower about $300 and Secura's premiums decrease almost $200 over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best premiums to retired drivers? Secura gets the slight edge here, with average prices coming in at around $111 per month compared to Rockford Mutual's $118.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance rates than married drivers. This usually boils down to married couples having more than one vehicle on their policy -- something a lot of insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Secura premiums coming in at about 20% less than Rockford Mutual's. But for married policyholders, that advantage is much less clear - Secura offers the lowest average rates , but the difference is only $7.

Rockford Mutual or Secura: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll generally end up paying more for car insurance than women.

On average, women see premiums nearly 10% per month less with Rockford Mutual, but with Secura, the difference is closer to 2% a month.

When it comes to the cheapest prices for each gender, Secura comes out on top for both men and women, with average rates $30 less for men and $17 cheaper for women.

Rockford Mutual vs. Secura: 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.

Auto insurance can be a complicated subject for most people. 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 that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, Secura has the edge, with average monthly premiums coming in at $69. If you want a full coverage policy with the same state minimum limits, Secura again has the edge, with policies averaging around $222 per month to Rockford Mutual's $251.

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

It's no secret -- drivers with good records end up getting the best deals on their car 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 collisions and speeding tickets 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 insurance can typically expect their monthly bill to go up about 29% after getting a speeding ticket. Secura policyholders can expect a less drastic increase of around 29%.

However, Secura is normally the less expensive option for drivers both with a ticket and with a clean record -- their rates are around 28% cheaper for drivers with clean records and 28% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault collision with Secura increasing by about 33%. Rockford Mutual has a less extreme increase, but you can still expect to pay nearly 25% more than you were prior to your first accident.

At the end of the day, the less expensive premiums come from Secura, with average prices coming in at $129 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 car insurance bill -- usually a lot more than a collision or speeding ticket. For example, Secura increases average premiums by more than $150 a month -- that's just under a 65% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Rockford Mutual tends to be more affordable for the average driver, with monthly premiums coming in at around $229 to Secura's $244.

How does Credit Score Impact Rockford Mutual and Secura Rates?

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

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with less expensive premiums.

Looking specifically at Secura and Rockford Mutual, which one has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Secura will generally reward you the most. For policyholders with "excellent" credit scores, Secura comes in nearly NaN cheaper. Drivers with "good" credit scores normally save about 6% with Secura compared to average prices from Rockford Mutual.

Which Company is Best for Drivers with Bad Credit?

Secura typically offers lower rates than Rockford Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 14% per month less with Secura compared to Rockford Mutual, and those with "poor" scores usually save an average of about 22% a month.

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

How much you drive can have a large impact on your monthly car insurance cost. That's because the fewer miles you put on your vehicle each year, the less likely you are to be in an accident and file 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 Secura, with drivers who put 6,000 miles on their car annually paying around $5 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Secura is the more affordable carrier.

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

Where you park your vehicle can have a big impact on your monthly auto insurance payment. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the roads where they live.

When comparing these two companies side-by-side, Secura generally comes out as the cheaper option for drivers in rural and urban areas, while Rockford Mutual wins in suburban areas.

For drivers in urban ZIP codes, SECURA Insurance's average prices are about $72 less than Rockford Mutual Insurance Company. People who live in suburban areas pay around $6 less with Rockford Mutual compared to Secura. Those in rural areas can expect to save about $5 with Secura compared to Rockford Mutual.

Rockford Mutual vs. Secura 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 where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Rockford Mutual and Secura offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Secura blows Rockford Mutual away when it comes to the sheer amount of discounts available, offering 11 more discounts than Rockford Mutual.

There are a couple discounts both carriers offer, but Secura also offers discounts for advance quote, distant student, group discount, and more.

On the other hand, Rockford Mutual has a proprietary discount of their own -- a homeowner discounts.

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

So, we've broken down the average rates for many of the variables car insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, which carrier is the best company for you and your specific profile and needs?

Secura might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You care about discounts (Secura offers the most).
• You don't spend much time in your car.

Rockford Mutual might be best for you if...

• Your driving record includes a DUI charge.
• You live in an suburban area.

Hopefully, this guide helps you get a better idea of the difference between Rockford Mutual and Secura and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire 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 Secura. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Rockford Mutual vs. Secura FAQs

Is Rockford Mutual or Secura cheaper?

Secura is the less expensive of the two carriers when looking at national average premiums, with policies averaging $146 a month with Secura and $169 for Rockford Mutual. But that doesn't mean Secura will be the most affordable company for everyone, since there are a range of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Rockford Mutual or Secura?

Unfortunately, the real answer is "it depends.". Neither carrier is necessarily "better" for every policyholder -- it all depends on the makeup of your unique auto insurance profile. For example, Secura is cheaper for drivers with excellent credit, while Rockford Mutual offers more affordable prices for drivers with a recent DUI.

Why do Rockford Mutual and Secura offer me different rates?

Insurance companies use quite a few different variables when determining the rates they charge. Things such as age, your driving record, where your home is, gender, and sometimes even things like your credit score can all come into play. Both Rockford Mutual and Secura calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance carrier 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 makes it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Rockford Mutual or Secura 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.