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

Quick Facts

• In general, Western National offers slightly cheaper rates than Rockford Mutual
• Rockford Mutual has less expensive prices for policyholders who haven't received any speeding tickets or been in an accident in the last few years
• Western National tends to be a much more affordable option for drivers with a DUI charge on their record

Rockford Mutual vs. Western National: 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 hefty discounts. But exactly how much can you save by switching?

You might have narrowed it down to Rockford Mutual or Western National for your next policy, but which company will save you the most?

Looking at the national average rates for both companies, Western National is about $15 per month less expensive than Rockford Mutual.

However, that doesn't mean Western National will necessarily be more affordable than Rockford Mutual for every single driver. Car insurance carriers use a ton of complex algorithms to calculate premiums, so depending on how clean your driving record is 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 Western National by a range of different rate factors, so read on to find out which company is the best for you.

Rockford Mutual or Western National: Average Car Insurance Rates by State

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

That being said, there's a lot more that goes into your auto insurance payment than just where you call home. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. That's because young, inexperienced 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. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Western National over Rockford Mutual.

Even so, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Rockford Mutual policyholders reduce nearly $300 and Western National's premiums decrease around $150 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable auto insurance rates out there. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase prices.

When looking at Rockford Mutual and Western National specifically, which carrier is best for retired drivers? Western National gets the slight edge, with rates for drivers 65 and older $9 cheaper than the national average for Rockford Mutual.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Western National is the clear winner for single policyholders, with premiums about $30 per month less expensive than Rockford Mutual, on average. But for married drivers, that advantage is much less clear - Rockford Mutual offers the lowest average prices , but the difference is less than $5.

Rockford Mutual vs. Western National: Average Rates by Gender

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

Women normally pay over $15 a month less than men with Rockford Mutual, and almost $15 with Western National.

When it comes to the most affordable premiums for each gender, Western National comes out on top for both men and women. On average, male drivers save about $16 per month and women save around $14 with Western National compared to the average Rockford Mutual policyholder.

Rockford Mutual or Western National: 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, insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

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

If you're looking for state minimum liability limits, Western National generally offers significantly cheaper rates of $60 compared to Rockford Mutual's $88. When it comes to full coverage policies with similar limits, Western National again has the edge, with policies about $3 a month less expensive than Rockford Mutual, on average.

Is Rockford Mutual or Western National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that tickets and at-fault collisions lead to higher rates, but which company -- Rockford Mutual or Western National -- has the lowest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Western National insurance policies don't report seeing their rates increase after getting a ticket, but Rockford Mutual policyholders can expect to see their monthly bill increase by around a third.

If you have a clean record, Rockford Mutual tends to offer the best prices at about 22% more affordable, while Western National has the edge for drivers with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise premiums pretty significantly if you get into an at-fault accident with Rockford Mutual climbing by just under $40. Western National has a less extreme climb, but you can still expect to pay $0 more than you were prior to your first collision.

Overall, drivers who use Western National end up with the cheaper prices after an accident, with monthly rates averaging $154 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 speeding ticket or even an accident. Rockford Mutual drivers usually see a 48% raise in their auto insurance premiums after a DUI charge, while Western National will usually increase prices by around 0%.

If you have a DUI on your record and are looking for more affordable premiums, Western National tends to be the much cheaper option with average rates of $154 a month compared to $229 from Rockford Mutual.

How does Credit Score Impact Rockford Mutual and Western National Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few policyholders.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the cheapest prices for drivers 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 Western National 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 pretty big impact on your monthly auto insurance bill? That's because the more miles you put on your car each year, the more likely you are to get into a collision and cause 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 Western National, with policyholders who drive 6,000 miles every year paying about $4 less each month compared to those who drive 12,000 miles annually. Still, Western National is the more affordable option for drivers in both categories.

Rockford Mutual vs. Western National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for car insurance. Typically, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads in those areas.

Looking at these carriers side-by-side, Western National boasts the cheapest average rates in urban and suburban areas, while Rockford Mutual wins in rural areas.

If you live in a rural area, you can expect to save around 9% with Rockford Mutual compared to Western National. Drivers in suburban ZIP codes pay about 3% less with Western National compared to Rockford Mutual. In urban areas, Western National Insurance Company's average premiums are around 24% less than Rockford Mutual Insurance Company.

Rockford Mutual vs. Western National 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 car insurance discounts as you can.

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

In the section below, we've broken down all of the different discounts offered by both Rockford Mutual and Western National so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Western National comes out ahead with 12 discounts to Rockford Mutual's eight.

There are a couple discounts both companies offer, but Western National also offers corporate discounts, COVID-19 relief discount, distant student 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 and discounts for being a homeowner.

Final Thoughts: Is Rockford Mutual or Western National Best for You?

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each company offers, too. But, at the end of the day, is Rockford Mutual or Western National the right one for you and your specific driver profile?

Western National might be best for you if....

• You're single and purchasing car insurance by yourself.
• You want basic insurance coverage at the state minimum limits.
• You've started working from home and don't have much of a commute.

Rockford Mutual might be best for you if...

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You live in a rural neighborhood.
• You and your spouse are buying auto insurance together.

We hope this guide helps you get a good idea of the differences between Rockford Mutual and Western National and that it aids in making a more informed decision about your car 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 several carriers, not just Rockford Mutual and Western National. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Rockford Mutual vs. Western National FAQs

Is Rockford Mutual or Western National cheaper?

Looking just at the national average rates, Western National is the less expensive of the two carriers, offering average rates of $154 per month compared to $169 for Rockford Mutual. But Western National won't necessarily be the most affordable carrier for every driver, since there are lots of different factors that come into play when it comes to your auto insurance cost.

Who is better, Rockford Mutual or Western National?

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for each driver -- it all depends on the makeup of your unique car insurance profile. For example, Western National offers more affordable prices for drivers with an at-fault accident on their record, while Rockford Mutual is cheaper for drivers who have less-than-stellar credit scores.

Why do Rockford Mutual and Western National offer me different rates?

Insurance companies take a look at several different variables when calculating the premiums they charge policyholders. Factors like age, your driving record, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Rockford Mutual and Western National calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the auto 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 free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best carrier for you might not be Rockford Mutual or Western National 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.