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

Quick Facts

• Looking at the national averages for car insurance, Travelers offers slightly more affordable rates than Rockford Mutual
• Rockford Mutual offers more affordable prices for policyholders who have a short commute
• Travelers has cheaper premiums for policyholders who drive fewer than 6,000 miles every year

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

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

You've maybe even narrowed it down to Rockford Mutual or Travelers, but which one will save you the most?

As you can see, Rockford Mutual is around $2 more a month than Travelers when looking at the national average rates for auto insurance.

That being said, that doesn't necessarily mean Travelers will be the less expensive option for every single driver. Car insurance carriers use a ton of complex algorithms to determine rates, so depending on how good your credit score is or how clean your driving record is (among a wide array of other factors), you could see wildly different premiums from the ones above.

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

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

Rockford Mutual and Travelers only compete against each other in two states, with Travelers offering more affordable prices to the average driver in all of them. Illinois has the most noticable difference, where Travelers rates are $66 less expensive than insurance prices at Rockford Mutual.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of almost 15% less per month by choosing Travelers over Rockford Mutual.

However, both carriers will reduce rates by the time drivers turn 25. Travelers offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Rockford Mutual still has the cheapest premiums at $137 a month.

Which is the Best Company for Retired Drivers?

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

When looking at Rockford Mutual and Travelers specifically, which carrier is best for retired drivers? Rockford Mutual gets the edge, with prices for drivers 65 and older over 10% cheaper than the national average for Travelers.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more affordable for married couples than they are for single drivers. That's generally because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average prices between these two companies is not very significant, with Travelers premiums coming in at about 7% less than Rockford Mutual's. The advantage for married drivers is more obvious, where drivers who use Rockford Mutual save more than 10% a month.

Rockford Mutual or Travelers: Average Rates by Gender

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

Men generally pay around $15 per month more than women with Rockford Mutual, and about $11 more with Travelers.

Looking at the data for each company specifically, Rockford Mutual is the lowest carrier for women. Rates with Rockford Mutual are $0 cheaper for women, while with Travelers, men can save around $0.

Rockford Mutual vs. Travelers: 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.

Insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

When it comes to state minimum liability limits, Rockford Mutual has the edge, while Travelers offers the cheapest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $20 with Rockford Mutual Insurance Company, while full coverage comes out to be about $25 less expensive with Travelers.

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

It's no secret -- drivers with good records end up getting the best deals on their 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 accidents and speeding tickets on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Rockford Mutual for their auto insurance can usually expect their monthly bill to go up around 29% after getting a speeding ticket. Travelers policyholders can expect a less drastic increase of about 20%.

If you have gotten a ticket, Travelers tends to offer the best rates at around 6% cheaper, while Rockford Mutual has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Both companies will increase prices pretty significantly if you get into an at-fault collision with Travelers raising by about 26%. 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, Rockford Mutual offers the most affordable premiums for drivers with an at-fault collision on their records, with average prices coming in at $158 compared to Travelers's $173.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your car insurance bill. For example, Rockford Mutual increases average rates by more than $100 a month -- that's just under a 50% increase.

How does Credit Score Impact Rockford Mutual and Travelers Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, Michigan and California are two states that ban the practice entirely), but it will come into play for lots of 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.

So, which company offers the lowest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a large impact on your monthly rates? Normally, the more milage you drive, the more you can expect to pay for coverage.

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 prices for Travelers, with policyholders who drive 6,000 miles annually paying around $5 less each month compared to those who drive 12,000 miles yearly.

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

Where you park your vehicle can play a pretty big role in how much you pay for car insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, Travelers normally comes out as the more affordable option for drivers in rural and urban areas, while Rockford Mutual wins in suburban areas.

If you live in a rural area, you can expect to pay about $136 monthly with Travelers compared to Rockford Mutual's $144. People in suburban areas pay a monthly premium of around $131 with Rockford Mutual compared to $160 with Travelers. In urban areas, Travelers's average prices are about $204 per month compared to Rockford Mutual's $233.

Rockford Mutual vs. Travelers Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Rockford Mutual and Travelers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Travelers blows Rockford Mutual away when it comes to the sheer amount of discounts available, offering 25 different discounts to Rockford Mutual's eight.

Both companies offer several of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student -- but Travelers also offers discounts for ABS, advance quote, alternative fuel, and more.

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

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

So, you've seen how different factors can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the right company for you and your specific driver profile?

Travelers might be best for you if....

• You're thinking about moving to another state -- undefined is only available to residents.
• You've started working from home and don't have much of a commute.

Rockford Mutual might be best for you if...

• You have a clean driving record, free of collisions, tickets, or DUIs.
• Your neighborhood is in the suburbs.
• You are purchasing your auto insurance with a spouse.

Hopefully, this guide helps you get a good idea of the differences between Rockford Mutual and Travelers. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Rockford Mutual and Travelers. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Rockford Mutual vs. Travelers FAQs

Is Rockford Mutual or Travelers cheaper?

Travelers is the cheaper of the two carriers when looking at national average rates, with policies averaging $167 a month with Travelers and $169 for Rockford Mutual. Even so, that doesn't mean Travelers will be the cheapest carrier for every policyholder, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Rockford Mutual or Travelers?

Sadly, the answer truly is "it depends.". No single company is "better" for each policyholder -- it all depends on the makeup of your unique auto insurance profile. For example, Rockford Mutual is less expensive for drivers who have already retired, while Travelers offers more affordable premiums for single drivers.

Why do Rockford Mutual and Travelers offer me different rates?

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

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

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Rockford Mutual or Travelers 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.