Is Rockford Mutual Good for Auto Insurance?

Last Updated on January 20, 2021

Rockford Mutual is an insurance company based in Rockford, Illinois. The company offers home, auto, business, and farm insurance to drivers across Illinois, Indiana, and Wisconsin.

Is Rockford Mutual a good auto insurance company? Is Rockford Mutual the right choice for you? Find out everything you need to know about Rockford Mutual auto insurance today in our review.

About Rockford Mutual

rockford mutual reviewRockford Mutual Insurance Company was founded on November 2, 1896. The company was originally known as Rockford Farmers’ District Mutual Tornado Insurance Company.

Rockford Mutual has sold property and casualty insurance since 1982, including home, auto, and business insurance to customers across its coverage areas.

Rockford Mutual underwent a major rebranding and revitalization in 2012.

In 2017, the company launched the Rockford Express System for home and auto insurance. Rockford Express is a web-based rating, underwriting, and insurance system that made the company more efficient. It makes it easier for policyholders to manage claims and compare quotes online, among other features.

Today, the company provides multiple insurance products to drivers across Illinois, Indiana, and Wisconsin. Rockford Mutual insures 70,000 policyholders and has 200 agents across its covered states.

Rockford Mutual Contact Information#colspn#
Address527 Colman Center Drive
Rockford, IL 61108-2747
Phone(815) 229-1500

Rockford Mutual Insurance Products

Rockford Mutual is best-known for its automobile, homeowners, farmers, and commercial multi-peril policies. The company sells insurance through independent agents in Wisconsin, Illinois, and Indiana.

Here are the core insurance products offered by Rockford Mutual and how they work:

Auto Insurance: Rockford Mutual offers similar auto insurance products and services to its major competitors. You can buy bodily injury liability coverage, property damage liability coverage, comprehensive coverage, collision coverage, and other car insurance products through Rockford Mutual.

Home Insurance: Rockford Mutual offers insurance for homeowners, condo owners, and renters. You can also buy dwelling coverage, mobile and manufactured home coverage, townhouse coverage, and other insurance products. Rockford Mutual’s home insurance covers fire damage, lightning damage, windstorm damage, hail damage, theft, vandalism, riots and civil acts, smoke and explosions, bursting water heater, frozen plumbing, falling objects, power surges, and even volcanic eruptions.

Farmowners Insurance: Rockford Mutual was founded in 1896 as a mutual insurance company among farmers. Today, the company continues to insure farmers across its three covered states. The company’s farm insurance products cover everything from family farms to large ranching and agriculture operations. Farmers can buy coverage for their home, barns, buildings, structures, livestock, grain, personal property, and other items.

Business Insurance: Rockford Mutual offers business insurance to cover buildings, business property, loss of rent, business income, money and securities, glass, and other items related to your business.

How Does Rockford Mutual Car Insurance Work?

Rockford Mutual car insurance works similar to any other car insurance. You can buy minimum liability coverage to meet state requirements in Illinois, Indiana, and Wisconsin. Or, you can extend coverage with full coverage car insurance, umbrella insurance, and other insurance policies.

Car insurance products available through Rockford Mutual include:

Liability Coverage: Rockford Mutual offers liability coverage, which is required in most states. The company offers bodily injury liability coverage, property damage liability coverage, and other car insurance coverage options.

Collision Coverage: Optional in every state, collision coverage covers physical damage to your vehicle caused by a collision or accident. It’s part of any full coverage car insurance policy.

Comprehensive Coverage: Rockford Mutual covers losses like theft, animal-related accidents, hail damage, vandalism, and more through its comprehensive coverage. Comprehensive coverage is optional in every state, and it’s also part of full coverage car insurance policies.

Roadside Assistance: For a few extra dollars per year, Rockford Mutual adds emergency roadside assistance to your insurance policy, which means you receive free assistance for flat tire changes, fuel delivery, and other incidents.

Medical Payments Coverage: Medical payments coverage is optional in all states. It functions similar to health insurance, covering medical bills for you and your passengers after an accident, regardless of fault.

Other Coverage: Rockford Mutual offers a full spectrum of car insurance coverage, including rental reimbursement coverage, auto loan and lease coverage, and trip interruption coverage, among other items.

What Makes Rockford Mutual Auto Insurance Unique?

Drivers in Illinois, Indiana, and Wisconsin have plenty of options for car insurance. Why choose Rockford Mutual? What makes Rockford Mutual unique? Here are some ways the company differentiates itself from the competition:

Locally Based: Rockford Mutual is based in Rockford, Illinois. The company has 125+ years of experience insuring drivers in Illinois and neighboring states. If you like a local approach to car insurance, then Rockford Mutual is one of the major Illinois-based insurance providers.

Local Agents: Rockford Mutual sells car insurance through a network of 200+ agents located across Indiana, Illinois, and Wisconsin. These local agents handle claims, quote requests, and other interactions with the company.

Auto Loan and Lean Coverage: Many companies offer auto loan and lease coverage on qualifying vehicles. If you are still paying off your loan or lease, then you can buy extra coverage through Rockford Mutual to cover that loan or lease after a total loss. Without auto loan or lease coverage, insurance compensates you for the actual value of your vehicle – not the amount remaining on your loan or lease.

Rockford Mutual Car Insurance Discounts

Rockford Mutual offers discounts for all of the following:

Good Student Discounts: Full-time students in high school or college may qualify for a good student discount if they maintain an average of B+ or better.

Multi-Vehicle Discount: If you insure multiple vehicles with Rockford Mutual, then you receive a discount across all insurance policies.

Defensive Driving Course Discount: Drivers who have recently completed a defensive driving course can save money on car insurance.

Anti-Theft Device Discount: If your vehicle has active or passive anti-theft devices installed, then you could qualify for Rockford Mutual’s anti-theft device discount.

Multi-Policy Discount: Rockford Mutual offers a range of insurance products. If you have multiple types of insurance with Rockford Mutual, then you receive a discount across all policies.

Three or Five Year Incident Free Discount: If you have no incidents (citations or at-fault accidents) within three or five years, then you qualify for big savings with Rockford Mutual.

Loss Free: If you have no claims whatsoever over a certain length of time, then you qualify for Rockford Mutual’s loss-free discount.

Rockford Mutual Reviews & Ratings

Rockford Mutual is popular with drivers in Illinois, Indiana, and Wisconsin. The company has 125+ years of experience insuring policyholders across Illinois and neighboring states, and many policyholders enjoy the company’s local approach to insurance.

Rockford Mutual is not large enough to appear on J.D. Power’s rankings. J.D. Power ranks insurance companies by their claims satisfaction ratings, talking to policyholders who have recently completed a claim.

Rockford Mutual is, however, ranked by A.M. Best, which assesses the financial strength of insurance companies. A. M. Best recently upgraded the financial strength rating of Rockford Mutual from B++ (Good) to A- (Excellent). That indicates Rockford Mutual should be able to cover its liabilities, although it’s a lower financial strength rating than many of Rockford Mutual’s larger competitors.

Rockford Mutual has an A+ rating with the Better Business Bureau with 0 customer complaints.

On insurance company review aggregator website Clearsurance, Rockford Mutual has an average rating of 4.13 stars out of 5, with 94% of policyholders willing to recommend Rockford Mutual to a friend – and 88% of policyholders likely to renew their policy.

Final Word on Rockford Mutual

Rockford Mutual is an Illinois-based insurance company serving policyholders in Illinois, Indiana, and Wisconsin. Backed by 125+ years of experience, Rockford Mutual continues to impress customers with its local approach to insurance, strong claims satisfaction, and diverse selection of insurance products.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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