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

Quick Facts

• In general, Trustgard Auto offers cheaper prices than Rockford Mutual
• Rockford Mutual offers more affordable average rates for policyholders who live in suburban areas
• Trustgard Auto tends to be a much less expensive option for couples purchasing insurance together

Rockford Mutual vs. Trustgard 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 big discounts, 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 Trustgard Auto, but which company will save you the most?

Looking at nationwide averages, Rockford Mutual has average rates that are about 19% per month more expensive than those from Trustgard Auto.

That being said, that doesn't necessarily mean Trustgard Auto will be the cheaper option for each driver. Car insurance companies use tons of complex algorithms to calculate premiums, so depending on how old you are or where you live (among lots of other factors), you could see wildly different prices from the ones above.

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

Rockford Mutual or Trustgard Auto: Average Car Insurance Rates by State

Rockford Mutual and Trustgard Auto only compete against each other in one states, with Trustgard Auto offering more affordable prices to the average driver in all of them. Illinois has the most noticable difference, where Trustgard Auto rates are over 15% less expensive than insurance premiums at Rockford Mutual.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your prices. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group on the road. Generally, that's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Trustgard Auto for their insurance pay nearly $65 less than those who use Rockford Mutual.

Even so, with both companies, you'll see your rates lower significantly by the time you turn 25. For example, average premiums for Rockford Mutual policyholders decrease more than 65% and Trustgard Auto's rates reduce almost 70% over that time.

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 lowest prices you'll ever find.

So, which company offers the best premiums to retired drivers? Trustgard Auto gets the edge, with prices for drivers 65 and older $22 more affordable than the national average for Rockford Mutual.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are normally more expensive for those who are single than they are for married policyholders? That's usually because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Trustgard Auto is the clear winner for single policyholders, with premiums around $35 a month cheaper than Rockford Mutual, on average. The advantage for married drivers with Trustgard Auto is also obvious, where drivers save nearly $30 per month.

Rockford Mutual vs. Trustgard Auto: Average Rates by Gender

Because men are more likely to get tickets and get into collisions, they raise the chances of filing a claim with insurance. Therefore, men tend to pay more for insurance than women.

Normally, women see rates almost 10% a month less with Rockford Mutual, while with Trustgard Auto, the difference is closer to 6% per month.

Looking at the data for each carrier specifically, Trustgard Auto comes out on top for both men and women. On average, male drivers save about $35 a month and women save about $28 with Trustgard Auto compared to the average Rockford Mutual policyholder.

Rockford Mutual or Trustgard 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.

For most people, auto insurance can be pretty complicated. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

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

If you're looking for state minimum liability insurance, Trustgard Auto normally offers less expensive prices of $79 compared to Rockford Mutual's $88. When it comes to full coverage policies with similar limits, Trustgard Auto again has the edge, with policies around $55 per month cheaper than Rockford Mutual, on average.

Is Rockford Mutual or Trustgard Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates 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 tickets and at-fault accidents on your record, but which of these two companies offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Rockford Mutual policyholders can expect their premiums to go up an average of $50 a month if they get a ticket, while Trustgard Auto usually raises rates about $50 per month, on average.

However, Trustgard Auto has more affordable premiums for drivers in both categories. Drivers with a clean record can save around $22 a month and drivers with a speeding ticket can save about $22 per month with Trustgard Auto Insurance.

Which Company is Best for Drivers After an Accident?

Rockford Mutual drivers who get in a collision can expect to see their prices rise by just under $40, while those who have insurance through Trustgard Auto will see around a $35 increase.

Overall, Trustgard Auto offers the most affordable rates for drivers with an at-fault accident on their records, with monthly premiums averaging $133 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 an accident. On average, Rockford Mutual will increase your prices about 48% after a DUI, while Trustgard Auto's average premiums climb by just under 45%.

If you have a DUI on your record and are looking for more affordable rates, Trustgard Auto tends to be the much less expensive option with average prices of $171 a month compared to $229 from Rockford Mutual.

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

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

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 premiums, while those with poor credit will typically be forced to pay more.

Looking specifically at Trustgard Auto and Rockford Mutual, which carrier has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Trustgard Auto. Drivers with "excellent" credit can save over 15% compared to Rockford Mutual, and those with "good" scores can also expect to see savings -- around $13 or 9% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Trustgard Auto typically offers lower premiums than Rockford Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $32 a month less with Trustgard Auto compared to Rockford Mutual, and those with "poor" scores generally save an average of around $59 per month.

Is Rockford Mutual or Trustgard 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 how much auto insurance carriers will charge for coverage. Normally, the more miles you drive, the more you can expect to pay for coverage.

In this case, neither Rockford Mutual or Trustgard Auto report increasing prices for drivers with higher annual mileage figures. Still, Trustgard Auto 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 rates of $137 per month for both.

Rockford Mutual vs. Trustgard Auto: 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 insurance, but the type of area you live in can have a large impact as well. Usually, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads in those areas.

When comparing these two companies side-by-side, Trustgard Auto boasts the lowest average rates in rural and urban areas, while Rockford Mutual wins in suburban areas.

In urban areas, Trustgard Auto Insurance's average prices are about $86 less than Rockford Mutual Insurance Company. Drivers in suburban ZIP codes pay around $1 less with Rockford Mutual compared to Trustgard Auto. If you live in a rural area, you can expect to save about $10 with Trustgard Auto compared to Rockford Mutual.

Rockford Mutual vs. Trustgard Auto Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many insurance discounts as you can.

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 qualify for.

In the table below, we've compared all of the different discounts offered by Rockford Mutual and Trustgard Auto so that you can find the one that has the most discounts and, therefore, the biggest savings.

Trustgard Auto blows Rockford Mutual away when it comes to the sheer amount of discounts available, offering eight more discounts than Rockford Mutual.

Both carriers offer many of the same discounts -- like anti-theft discounts, discounts for being a good student, and renewal discounts -- but Trustgard Auto also offers advance quote discounts, advanced safety feature discounts, company car discounts, and more that Rockford Mutual does not.

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

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

So, we've broken down the average rates for many of the factors 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 insurance carrier is the best fit for you?

Trustgard Auto might be best for you if....

• Your credit is below-average.
• You want basic auto insurance coverage at the state minimum limits.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Rockford Mutual might be best for you if...

• You live in an suburban area.

We hope this guide has ben a valuable resource as you compare Rockford Mutual and Trustgard Auto. 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 insurance policy is to compare quotes from multiple carriers, not just Rockford Mutual and Trustgard Auto. 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 car insurance companies in your area, all in just a few minutes.

Rockford Mutual vs. Trustgard Auto FAQs

Is Rockford Mutual or Trustgard Auto cheaper?

Looking just at the national average premiums, Trustgard Auto is the less expensive of the two carriers, offering average rates of $137 a month compared to $169 for Rockford Mutual. But Trustgard Auto won't necessarily be the cheapest company for every driver, since there are a range of different variables that are considered when it comes to your auto insurance payment.

Who is better, Rockford Mutual or Trustgard Auto?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for each driver -- it all depends on the makeup of your unique insurance profile.

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

Auto insurance companies take a look at quite a few different factors when determining the prices they charge drivers. Variables such as your driving record, gender, where you live, age, and sometimes even things like your credit score can all be used. Both Rockford Mutual and Trustgard Auto calculate premiums differently, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from several different carriers.

How do I know if Rockford Mutual or Trustgard Auto 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 does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the cheapest premium. And who knows, the best company for you might not be Rockford Mutual or Trustgard Auto 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.