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

Quick Facts

• Based on national averages for car insurance, West Bend Mutual offers significantly cheaper prices than Rockford Mutual
• Rockford Mutual offers more affordable premiums for policyholders whose driving record contains an at-fault collision
• West Bend Mutual tends to be a much more affordable option for policyholders who drive fewer than 6,000 miles every year

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering considerable savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Rockford Mutual or West Bend Mutual, but between the two, which carrier will save you the most?

As you can see, West Bend Mutual is around $38 a month less expensive than Rockford Mutual when looking at the national average rates for insurance.

But West Bend Mutual may not be the cheapest or best option for every driver out there. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, your age, or even where you call home (among other things), so prices could change drastically from person to person.

So, if you want to find out which of Rockford Mutual or West Bend Mutual is really the best for you, keep reading to see average rates for each company broken down by a variety of different rate factors.

Rockford Mutual vs. West Bend Mutual: Average Car Insurance Rates by State

Rockford Mutual and West Bend Mutual only compete against each other in one states, with West Bend Mutual offering more affordable premiums to the average driver in all of them. Wisconsin has the most noticable difference, where West Bend Mutual rates are $28 cheaper than insurance premiums at Rockford Mutual.

There are plenty of other factors that go into your auto insurance payment than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any other group of drivers out there on the road. That's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have West Bend Mutual for their auto insurance pay almost 20% less than those who use Rockford Mutual.

That being said, both companies will reduce premiums by the time you turn 25. For example, average rates for Rockford Mutual policyholders drop over 65% and West Bend Mutual's prices decrease more than 65% over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best rates to retired drivers? West Bend Mutual gets the edge, with premiums for drivers 65 and older over 20% less expensive than the national average for Rockford Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more expensive for those who are single than they are for married couples. This usually boils down to married policyholders having more than one vehicle on their policy -- something lots of auto insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with West Bend Mutual premiums coming in at a quarter less than Rockford Mutual's. The advantage is also clear for married drivers - West Bend Mutual offers the most affordable average rates.

Rockford Mutual or West Bend Mutual: Average Rates by Gender

Because women are less likely to get speeding tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable prices.

Generally, men see premiums about $15 per month higher with Rockford Mutual, and around $16 more with West Bend Mutual.

When it comes to the lowest rates for each gender, West Bend Mutual comes out on top for both men and women. On average, women save about $38 a month and men save about $38 with West Bend Mutual compared to the average Rockford Mutual policyholder.

Rockford Mutual vs. West Bend 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.

For most people, car insurance isn't the easiest topic to understand. There are a range of different coverages that account for lots of 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.

However, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum liability limits, West Bend Mutual has the edge, with average monthly prices coming in at $77. If you want a full coverage policy with the same state minimum limits, West Bend Mutual again has the edge, with policies averaging around $186 per month to Rockford Mutual's $251.

Is Rockford Mutual or West Bend Mutual 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 speeding tickets and at-fault accidents on your record, but which of these two companies offers the cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Rockford Mutual for their auto insurance can typically expect their monthly bill to go up about 29% after getting a speeding ticket. West Bend Mutual policyholders can expect a less drastic increase of around 23%.

That being said, West Bend Mutual has more affordable prices for drivers in both categories -- their rates are around 30% less expensive for drivers with clean records and 36% cheaper for those with a ticket.

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 West Bend Mutual for their auto insurance will see a monthly bill about $79 (or 48%) more expensive after reporting a collision to their car insurance company.

At the end of the day, drivers who use Rockford Mutual end up with the cheaper prices after an accident, with average prices coming in at $158 compared to West Bend Mutual Insurance's $163.

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 rates by more than $100 a month -- that's nearly a 50% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, West Bend Mutual tends to be more affordable for the average driver, with monthly premiums coming in at around $169 to Rockford Mutual's $229.

How does Credit Score Impact Rockford Mutual and West Bend Mutual Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as a car insurance factor) but it might come into play for several drivers.

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, policyholders with good credit will often be rewarded with less expensive prices.

So, which carrier offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Rockford Mutual or West Bend Mutual 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 big impact on how much insurance carriers will charge for coverage? That's because the more milage you drive, the more likely you are to be in a collision and file an insurance claim.

In this case, neither Rockford Mutual or West Bend Mutual report increasing premiums for drivers with higher annual mileage figures. West Bend 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 rates of $131 per month for both.

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

Where your home is can play a large role in how much you pay for auto insurance. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more vehicles on the roads where they live.

West Bend Mutual tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about 22% with West Bend Mutual compared to Rockford Mutual. People who live in suburban areas pay around 7% less with West Bend Mutual compared to Rockford Mutual. For policyholders in urban ZIP codes, West Bend Mutual Insurance's average prices are about 32% less than Rockford Mutual Insurance Company.

Rockford Mutual vs. West Bend Mutual Discounts

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

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Rockford Mutual and West Bend Mutual so that you can find the company that has the most discounts and, therefore, the largest savings.

West Bend Mutual blows Rockford Mutual away when it comes to the sheer amount of discounts available, offering 16 different discounts to Rockford Mutual's eight.

There are a couple discounts both companies offer, but West Bend Mutual also offers discounts for ABS, advanced safety feature, distant student, 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 West Bend Mutual Best for You?

So, you've seen how different variables can affect your insurance rates. We've broken down 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 right fit for you?

West Bend Mutual might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You're looking for the company with the most discounts.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Rockford Mutual might be best for you if...

• You have an at-fault accident on your record.

Hopefully, this guide helps you get a good idea of the differences between Rockford Mutual and West Bend Mutual and that it aids in making a more informed decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of carriers, not just Rockford Mutual and West Bend Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Rockford Mutual vs. West Bend Mutual FAQs

Is Rockford Mutual or West Bend Mutual cheaper?

West Bend Mutual is the cheaper of the two carriers when looking at national average premiums, with policies averaging $131 a month with West Bend Mutual and $169 for Rockford Mutual. Even so, that doesn't mean West Bend Mutual will be the cheapest carrier for everyone, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Rockford Mutual or West Bend Mutual?

Unfortunately, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, West Bend Mutual is more affordable for drivers who have less-than-stellar credit scores, while Rockford Mutual offers cheaper rates for drivers with an at-fault collision on their record.

Why do Rockford Mutual and West Bend Mutual offer me different rates?

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

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

The only way to find the auto insurance company that's right for you is by getting quotes from several 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 car insurance carriers for free. That way, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't Rockford Mutual or West Bend 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.