Rockingham Insurance Review & Ratings (2022)

Rockingham Insurance offers car, home, and many other types of insurance products to people in Virginia and Pennsylvania. While it’s a smaller company, Rockingham Insurance reviews are overwhelmingly positive.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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The Rundown

  • Rockingham offers car, home, and many other types of insurance in Virginia and Pennsylvania
  • Although it’s a small company, Rockingham’s insurance rates tend to be below the state average
  • Rockingham has positive reviews from most customers, as well as high rankings from A.M. Best and the Better Business Bureau

Rockingham Insurance has been in business for over 150 years. While headquartered in Virginia, its availability has recently expanded.

Although higher rates and unsatisfied customers plague many small insurance companies, that isn’t the case with Rockingham. Customers are overwhelmingly happy with their overall experience with this company, so much so that many highly recommend Rockingham to friends and family.

Rockingham offers homeowners and car insurance, as well as a variety of specialty insurance products like commercial, mobile home, and personal umbrella policies.

While Rockingham Insurance rates might be the most affordable for you, you should still shop around to make sure. Read on to learn about this small Virginian company, and then compare quotes to find the best rates for you.

What types of insurance does Rockingham offer?

Rockingham Insurance offers several types of personal and commercial insurance. While it spent more than a hundred years offering insurance in its home state of Virginia, it expanded into Pennsylvania in 2000.

Today, Rockingham’s most popular products are homeowners and car insurance. However, it sells a wide variety of specialty insurance plans to cover just about anything important in your life.

Rockingham Homeowners Insurance

While homeowners insurance isn’t legally required by any state, it offers valuable protection for your home. Rockingham doesn’t list all the details of its plan, but you can expect it to provide the following coverages:

  • Dwelling. This coverage protects the physical structure of your home, including freestanding structures like fences and garages.
  • Personal property. An empty house isn’t a home, and Rockingham knows it. This part of your insurance covers personal items like appliances, clothing, and furniture.
  • Liability. If someone is injured on your property and you’re deemed responsible for the incident, liability coverage helps pay your legal bills.

While these are the essential pieces of a homeowners policy, Rockingham offers add-ons that increase your plan’s value. These include:

  • Water and sewer backup
  • Utility service line coverage
  • Additional valuable objects coverage
  • Replacement cost coverage
  • Identity theft protection
  • FraudScout
  • Green improvement coverage
  • Equipment breakdown coverage
  • Earthquake insurance

While it may be tempting to add everything possible to your insurance policy, you should only purchase what you need. Typically, add-ons quickly raise the price of your insurance. To help you save money, Rockingham offers the following homeowners discounts:

  • Claims-free
  • Security and safety equipment
  • New mortgage
  • New home

A Rockingham insurance agent will help you determine which add-ons are appropriate for your home and what discounts you’re eligible for.

Rockingham Car Insurance

Aside from the fact that most states have laws requiring a minimum amount of insurance to drive legally, car insurance protects your vehicle from the dangers of the road. Rockingham understands that your vehicle is a crucial element of your life and offers the following types of insurance to protect it:

  • Liability. If you cause an accident, your liability insurance will pay for damage you incur to people and property. Both Virginia and Pennsylvania require liability.
  • Comprehensive. Also called Other Than Collision coverage, this pays for repairs that your car needs after damage caused outside of an accident. Qualified damage includes weather, theft, vandalism, fire, and animal contact.
  • Collision. Regardless of who is at fault for an accident, collision will help pay for repairs to your vehicle.
  • Uninsured/underinsured motorist. Simply because a state requires insurance doesn’t mean that all drivers have it. This insurance protects you from drivers without sufficient coverage and is required by Virginia and Pennsylvania law.
  • Medical payments. Injuries after an accident can cost a lot to heal from. Medical payments will cover you or your passengers’ medical bills, up to the coverage amount.
  • Rental reimbursement. If your car is stuck in the repair shop after an accident, Rockingham will reimburse you for a rental car while you wait.

Like its homeowners insurance plans, you can also purchase add-ons to further the protection on your car and increase the value of your policy. Rockingham offers the following add-ons:

  • Accident forgiveness
  • Plus one car replacement
  • Roadside assistance

With the price of seemingly everything rising, Rockingham knows that its customers need to save money whenever they can. Rockingham offers the following discounts to help you maintain affordable car insurance:

  • New family
  • Policy bundling
  • Advance quote
  • Good student
  • Pay plan
  • Accident prevention
  • Customer loyalty
  • Continuous coverage
  • Safety credits

A Rockingham agent will review your policy to find as many discounts as possible for you.

Other Types of Rockingham Insurance

While home and car insurance are the leading sellers, Rockingham offers numerous other types of insurance to take care of all your needs. Rockingham provides the following insurance products:

  • Mobile home. Similar to a homeowners policy but specially crafted for mobile homes, Rockingham covers every aspect of your home and offers unique discounts.
  • Rental property. Whether you own one rental property or many, Rockingham has you covered. As a bonus, you can add multiple properties in different locations to one policy.
  • Farm. Rockingham covers full-time farmers and part-time enthusiasts alike. Of special interest is Rockingham’s Avian Influenza add-on, which protects against loss of income during bird flu outbreaks.
  • Business. Rockingham recognizes the importance of small businesses in local communities, and they offer everything you need to protect yours.
  • Personal umbrella. Liability coverage protects you from legal fees, but it’s often not enough. Umbrella insurance kicks in when your liability limit is reached.
  • Specialty. Rockingham offers three specialty commercial plans, including general contractors liability, artisan contractors liability, and multi-peril packages.

You can speak with an agent through the Rockingham Insurance phone number to learn more about these policies and discover what’s available in your state.

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How much does Rockingham insurance cost?

Unfortunately, Rockingham’s online quote system requests a lot of personal information before it will provide you a quote. Aside from not wanting to disclose their data, many customers dislike this feature because it becomes time-consuming to find multiple quotes.

Acquiring an online quote from Rockingham might take more commitment than you’re ready for, but that doesn’t mean you have to avoid comparing prices. To begin, examine the average rates of insurance in Virginia and Pennsylvania below.

InsuranceVirginiaPennsylvania
Minimum coverage$31$41
Full coverage$86$121
Homeowners insurance$84$109
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As a smaller company, you might expect Rockingham rates to be on the higher side of the state average. However, it appears that Rockingham charges slightly less than the average price. Customers generally mention that they save a lot of money with this company.

Rockingham Insurance Reviews

One of the best ways to judge whether or not a company will suit your needs is by reading its reviews. Rockingham reviews are overwhelmingly positive.

First, the Better Business Bureau (BBB) rates Rockingham an A+, and there are three resolved complaints on its site.

A.M. Best rates insurance companies by their financial strength, with higher grades indicating that claims can easily be paid. While Rockingham has previously held an A-, it was recently upgraded to an A.

As for customer reviews, customers typically enjoy their experience with Rockingham. People that obtain multiple policies through Rockingham are particularly impressed with their service. People appreciate their rates, customer service, knowledge, and rapid responses.

Customers are also impressed with the online options. They enjoy that a simple Rockingham Insurance login allows them to access their account, make changes to their policy, pay their bill, and file a claim.

Finding negative reviews is actually a challenge for Rockingham. With the exception of a few customers with a less than satisfactory experience, people are generally extremely pleased with their insurance from Rockingham.

Find the Best Insurance for Your Needs Today

If you live in Virginia or Pennsylvania, Rockingham might be the best choice for your insurance needs. Whether you want car, home, or practically any other type of coverage, Rockingham has something for you.

Although Rockingham Insurance receives excellent reviews, you should still compare prices with other companies before making a final decision. While Rockingham might have the lowest prices, you won’t know without looking.

Reviews
for Rockingham Group

3.62 (21 reviews)
1
November 22, 2019

sbear

Unhappy former customer

I WAS a customer and was in an accident 14 months ago, at no fault of my own. I was t-boned on the driver side and my car was totaled. I drive for a living and am unable to turn my head to the left so driving is out of the question at the moment. And now they are saying I should be fine and should be back to work. They are a month and a half behind on paying me for lost wages, for the third time this year (a service I paid them for on time and in...
I WAS a customer and was in an accident 14 months ago, at no fault of my own. I was t-boned on the driver side and my car was totaled. I drive for a living and am unable to turn my head to the left so driving is out of the question at the moment. And now they are saying I should be fine and should be back to work. They are a month and a half behind on paying me for lost wages, for the third time this year (a service I paid them for on time and in one full payment every year) but they can screw around and make me late with all my other bills now because I can't work. AWESOME!!
5
October 17, 2018

Sunshine69

Wonderful business!

Have done business with Rockingham Group since 1999. Our local agent, [Redacted Name], is the best as they come. He is so accommodating, full of information and a pleasure to do business with. Adding and removing vehicles on the auto policy is very easy. On our homeowners' policy, we've only had one claim (we were robbed), and that went so smoothly and the company was so easy to work with. I would recommend Rockingham Group to anyone that is lo...
Have done business with Rockingham Group since 1999. Our local agent, [Redacted Name], is the best as they come. He is so accommodating, full of information and a pleasure to do business with. Adding and removing vehicles on the auto policy is very easy. On our homeowners' policy, we've only had one claim (we were robbed), and that went so smoothly and the company was so easy to work with. I would recommend Rockingham Group to anyone that is looking for a great insurance company!
5
July 31, 2018

greatjmw

Rockingham Group - Good so far!

I switched to Rockingham Group after my son got his driver's license and the company I was with increased my rates over 300%. Rockingham's rates were much more reasonable, since they're a regional company using regional information for their pricing rather than national information, and my agent said they were great to work with, so I switched auto and homeowner's policies to them. As far as my own personal experiences, they were great to work ...
I switched to Rockingham Group after my son got his driver's license and the company I was with increased my rates over 300%. Rockingham's rates were much more reasonable, since they're a regional company using regional information for their pricing rather than national information, and my agent said they were great to work with, so I switched auto and homeowner's policies to them. As far as my own personal experiences, they were great to work with during a recent auto claim. The claims rep assigned to my claim was very friendly and responsive, and I was able to pick the body shop I wanted to use, and the estimate amounts were paid to the body shop almost immediately once the decision was made as to what work was to be done. My policy covered a rental car for 10 days, so we had plenty of time to work with, and it was a great experience overall. My only frustration is that I hadn't had the policy long enough for the accident forgiveness that's built into the policy to be applied to this accident. You have to have the policy for 3 years without an incident, and I'd only had the policy 2 years. So I'm still waiting to see how the accident affects the rates next year. It wasn't a major accident (my teenager slid slowly off the road on ice & the side of the car bumped a tree - no injuries to person or property, no police response, just the body work to the car), but we're talking about a teenage male in a red sports car here, so hopefully I won't be totally overwhelmed by that rate increase! Other than the accident forgiveness frustration, I've been quite pleased with Rockingham Group. They also provide a roadside assistance program that's similar to AAA, and I've used that once and been happy with that as well. They were very proactive about getting a tow truck out to me, then following up to make sure he'd arrived, and then following up even after that, to make sure everything had gone smoothly.
5
February 8, 2018

Leahhuffman8

Discount

Love it because the more policy more discount. Have umbrella, homeowners, and auto insurance. They covered for replacement of my daughter cochlear implant when she lost it.
4.5
March 14, 2017

Clearsurance-user

Positive experience

Filed a claim and my rates stayed the same and no hassle with repairs.
4.5
March 9, 2017

Clearsurance-user

Insurance Review

I love my company it is fast and easy and they are honest
3
March 9, 2017

Clearsurance-user

Disappointed

They were not very helpfull when I filed claim. I expected more.
5
January 31, 2017

wbayer

You can get up to a 15% discount if you let them monitor your driving

You can get up to a 15 % discount if you let Rockingham plug a sensor in your car. Real easy. It comes in the mail and you just plug it in where your dealer does diagnostics. Also shows you your own info on your smartphone + tracks where your teens go. Pretty amazing
4
January 8, 2017

Bretfuppiz

Not bad! Easy and simple.

Rockingham offers 30 bucks per day transportation expense reimbursement up to a limit of nine hundred. That in all honesty is pretty standard for rental reimbursement with most insurers, but it's a little better than average and pretty much demonstrates that they care. It could be better. It isn't dealbreaking. That said, it will just hardly cover the cost of a compact car from the majority rental companies. I wanted to rent a safer more expensiv...
Rockingham offers 30 bucks per day transportation expense reimbursement up to a limit of nine hundred. That in all honesty is pretty standard for rental reimbursement with most insurers, but it's a little better than average and pretty much demonstrates that they care. It could be better. It isn't dealbreaking. That said, it will just hardly cover the cost of a compact car from the majority rental companies. I wanted to rent a safer more expensive vehicle to transport my loved ones, which I guess is the cost of safety- and I did end up having to pay the difference out of pocket. The claims form was simple and only needed my basic contact information, info regarding my vehicle, and a description of the loss. Pretty cool, usually it is much longer and more difficult. They're really focused of getting you in a rental. There was also the option to upload photos if you had got any you've got any but I didn't have any to upload. 
5
October 25, 2016

Clearsurance-user

Insurance

Wonderful
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